Understand the risks.
Investing in growing businesses can be rewarding, but it carries real risk, like losing the full amount you invest. Please read this page carefully before you commit any funds.
You can lose your entire investment
Most businesses that raise capital are early stage or growth stage. Some will not succeed. If a business you back fails, you may lose some or all of your money. Only invest amounts you can afford to lose without affecting your standard of living.
Your money is locked in
Crowdfunding investments are illiquid. At this time, there is no secondary market on which you can readily sell your investment, and you should be prepared to hold it for the full term of the offering, which may be a few years.
Returns are never guaranteed
Any return figure shown on an offering — like a target yield, projected dividend, coupon, or internal rate of return — is a target, not a promise. Actual returns may be lower, may be delayed, or may not materialise at all. Past performance of any business or comparable investment may not predict future results.
Your stake can be diluted
For equity investments, if a business raises further capital in the future, your percentage ownership may be reduced, but not necessarily the value.
These investments are not protected deposits
Money you invest is not a bank deposit. It is not covered by the Ghana Deposit Protection Scheme or any equivalent guarantee. In our due diligence process we will attempt, where applicable, to introduce insurance protection for some offerings. However, vetting a business does not remove the risk that it may fail.
What we do
- →We carry out due diligence on every business before it is listed. This involves reviewing its registration, financial information, and the credibility of its plans. Vetting reduces risk but it does not eliminate it.
- →We require every business to disclose key information in a standardised Offering Document so you can make an informed decision.
- →We hold your money in a segregated escrow account with our licensed custodian. Your funds are released to a business only when an offering succeeds, and refunded to you if it does not.
- →We ask every investor to acknowledge the risk warnings for an offering before any commitment is accepted.
What you should do
- →Read the full Offering Document for any business before you invest.
- →Diversify your portfolio. Spread your investments across several offerings rather than committing everything to one.
- →Invest only what you can afford to lose.
- →Consider seeking independent financial advice if you are unsure whether an investment is right for you.
Investment limits
To protect retail investors, the SEC regulations limit how much you can invest. As a retail investor, you may not invest more than 10% of your gross annual income across all crowdfunding offerings in any twelve-month period. Qualified investors are not subject to this limit. We ask you to declare your investor category and, where relevant, your compliance. Our platform can track your commitments against this limit.
Questions about risk?
Our team is happy to talk them through. We cannot tell you whether a particular investment is right for you, but we can help you understand any part of an Offering Document you find unclear.