The Unlock Capital Angel Liquidity Fund
Releasing liquidity to angel investors
What we do
We make business angel portfolios liquid. We’ll value your Angel portfolio (ideally several Investments which are 3+ years old).
We’ll lend to you for most purposes including participation in follow-on rounds; further investing; asset purchases; care home, divorce or school fee costs etc. We’re very approachable, feel free to reach out here.
Any Purpose
We support Angels with lending for any purpose. Be that acquisition of new assets, re-investment into existing assets or cash-out for lifestyle purposes.
Quick Decisions
Lending decisions and funds deposited within a week of application.
Attractive Pricing
Low pricing (from 9.5% interest) and fee structure (1% payable on drawdown and 0.5% payable at expiry).
Carry Charge
We can offer low interest, because we are aligned with you and take a 10% carry on any successful angel investments currently in your portfolio (at the time you exit).
Flexible Facilities
Loans can be repaid at any time, without penalty, between drawdown and loan expiry (up to 4 years).
EIS & SEIS Reliefs
Borrowers retain full control of their shares in angel investments at all times with no impact on EIS or SEIS tax reliefs.
How Unlock Capital works
1. Your Enquiry
We independently assess the value of your current angel portfolio & assets within one week.
2. Portfolio review
You receive a loan offer, up to 40% of our independent valuation of your angel portfolio.
3. Terms Issued
We will make loans for most purposes. Whether it be purchasing a new asset or doubling down into your best investments, or even making new ones (on which we’d take no carry).
4. Completion
We collect interest only on your loan on a quarterly basis.
5. Repayment / Exit
Once the loan expires (standard term of 4 years), you will pay back the principal loan, plus any interest still owed, and a 10% fee on any gains you realise from exits in your angel portfolio.
Unlock your capital now
Free up cash from your portfolio while keeping full ownership and tax advantages. Simple, quick, and tailored to you.
