The startup operates an online property investment platform that enables users to invest in real estate as shareholders or lenders, providing monthly rental income and capital appreciation for shareholders, while lenders receive fixed interest payments. This platform democratizes access to property investments, allowing individuals to diversify their portfolios and earn returns in a traditionally exclusive market.
Funding
$15.1M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Individual investors often lack the resources, time, or expertise to directly invest in and manage property, limiting their access to the potential benefits of real estate investment. Traditional property investment can be capital-intensive and illiquid, making it difficult to diversify portfolios and exit investments quickly.
Solution
British Pearl provides a platform for fractionalized property investing, enabling users to invest in UK properties as shareholders or lenders. Investors can purchase shares in ring-fenced property-owning companies, receiving a portion of net rental income and capital gains, or provide secured loans, earning fixed interest. The platform offers a resale market for early exits, allowing investors to list their shares or loans for sale. British Pearl handles property sourcing and management, offering a hassle-free way to build a diversified property portfolio.
Target Audience
The platform targets individual investors seeking to diversify their portfolios with property investments, including those who lack the capital or time for traditional property ownership.
Features
- Fractionalized property investment through shares or secured loans
- Investments in pre-purchased, tenanted properties
- Diversification across multiple property types, locations, and risk profiles
- Resale market for listing and selling shares and loans before term completion
- Innovative Finance ISA (IFISA) eligibility for tax-free interest on loan investments
- Transparent financials with full investment information and no hidden fees
- Properties owned by ring-fenced Special Purpose Vehicles (SPVs)
- Loans secured with a first charge against the property