Secure, flexible & productive investments.
UK SMEs are missing out on over £7.5bn of interest every year by leaving surplus cash in 0% current accounts and low-yield deposits.
A typical SME holding £1m with a single bank has over 85% of that balance above the FSCS limit of £120k – effectively uninsured if that bank fails.
Switching is rare. Time-poor business owners, complex onboarding and distrust of new platforms mean SMEs often “park” millions in accounts that are easy, but inefficient and underprotected.
Investments are 100% backed by the UK Government (Treasury Bills). Segregated custody at a 100+ year trusted institution.
Full liquidity. Sell down all or part of the holding whenever needed. No rigid lock-in periods.
Targeting ~4% gross return vs. typical low-yield bank deposits.
The opportunity cost of idle cash is now a strategic P&L issue.
SMEs are actively seeking diversification away from commercial bank balance sheets (Post-SVB).
Open Banking & APIs now allow for seamless onboarding.
Only 50% of business current accounts are opened with legacy 'big 4' banks.
| Feature | Preservoir | Retail Apps (Revolut) |
Aggregators (Flagstone) |
Institutional (TreasurySpring) |
|---|---|---|---|---|
| Gov Backed (T-Bills) | ● Yes | ○ No | ○ No | ● Yes |
| SME Access (< £1m) | ● Yes | ● Yes | ● Yes | × No (£2m+ min) |
| Full Liquidity | ● Yes | ● Yes | × Fixed Terms | × Rigid Funds |
| Direct Ownership | ● Yes | ○ No | ● Yes | ○ No (Fund) |
Potential AUA via 5 Accountancy Firms
ANNUAL PLATFORM FEE
Targeting cash-rich sectors: Construction, Tech, Logistics. Founder-led outreach.
Incentivised partnerships with accountants and advisors.
"Refer a Peer" discount program to drive viral growth among local business networks.
By building our brand we'll utilise mass marketing to allow automated onboarding to scale after our initial breakthrough.
Chartered Wealth Manager (MCSI). 5+ years finance experience.
Software Engineer with 4 years exp in backend architecture & cloud infra. Focus on security & scalability.
Senior Full-stack Engineer (6 years) specialising in cloud-native architecture, secure backend design and agile delivery across Java, React and AWS.
As assets under administration (AUA) grow, recurring revenues scale. We reach operating break-even at around £900m AUA with approximately £2.7m Run Rate in Year 5.
Fueling 18 months of runway to enable operations kickoff and unlock the first £37m in assets & £110k of run rate.
Aiming to close round by March 2026.