What stages does Rosary Capital invest at?

We invest from inception to pre-seed. We are a first cheque investor and do not require product market fit or revenue before we commit. We look for unique insight, speed of learning and evidence that a team can achieve a great deal with very little.

Which sectors are eligible?

We focus on fintech and technology led businesses connected to the City of London, alongside ambitious founders building for global markets from a UK base. We do not invest in businesses whose primary activity falls outside technology enabled growth, and we avoid sectors where we cannot add practical support.

How can I invest alongside Rosary Capital?

Investors typically participate through co-investment in individual companies, or by supporting the wider Profit with Purpose programme. The route that is available to you depends on your investor classification and the structure of the specific opportunity. [CONFIRM: available investment vehicles and their regulatory status]

What is the minimum investment?

Minimums are set on a deal by deal basis and depend on the structure of the round and the number of participants. [CONFIRM: minimum subscription amount per vehicle]

Who is eligible to participate?

Participation is limited to investors who can be appropriately categorised under the relevant financial promotion rules, which ordinarily means high net worth individuals, self certified sophisticated investors, professional investors and institutions. We will ask you to complete a categorisation statement before sharing any opportunity. [CONFIRM: investor categorisation process and approving firm for financial promotions]

Does Rosary Capital lead investment rounds?

Yes. We are often the first to believe in a company and we typically lead or invest solo on our first cheque. We sometimes co-lead alongside like minded funds, and occasionally follow other top tier funds in larger rounds. We rarely lead follow-on rounds.

How are companies selected?

Every company is sourced through our own network and the wider City ecosystem, then assessed against our investment criteria. We weigh the quality of the founding team, the originality of their insight, how quickly they learn and whether they have identified the metrics that genuinely matter for their business.

How are investments structured?

Most first cheques are made through equity or convertible instruments on terms agreed with the company and any co-investors. The precise structure varies by round. [CONFIRM: standard instruments used and any nominee or syndicate arrangements]

What information will investors receive?

Co-investors receive the information rights negotiated for the relevant round, which ordinarily include periodic company updates and notice of material events. Reporting arrangements depend on the investment vehicle and the rights available to us. [CONFIRM: committed reporting frequency and format]

Does Rosary Capital reserve capital for follow-on investment?

Yes. We hold back capacity to follow on into the strongest companies in the portfolio, so that our best performers can be supported through subsequent rounds. Follow-on participation is always at our discretion and is never guaranteed to any company.

How does Rosary Capital manage conflicts of interest?

We maintain a conflicts policy covering allocation between investors, related party interests and the roles our team members hold elsewhere. Any material conflict is disclosed to affected investors before an investment proceeds. [CONFIRM: final conflicts of interest policy wording]

What are the principal risks?

Investing in early stage private companies is high risk. You should be prepared to lose the whole of your investment. These holdings are illiquid, may be difficult or impossible to sell, are likely to be diluted by later rounds, and rarely pay dividends. Past performance is not a guide to future results and you should not invest more than you can afford to lose.

How does the Profit with Purpose model work?

We pursue commercial returns while deliberately widening access to opportunity in the City. Portfolio companies are connected to young talent through our partnership with TechStart, giving founders access to capable people and giving those people a route into growing businesses. The commercial case and the social benefit are intended to reinforce one another rather than trade off against each other.

Does Rosary Capital guarantee financial or social outcomes?

No. No return, distribution, placement or other outcome is promised or guaranteed. All figures shown on this website are illustrative and depend on individual circumstances, and nothing here should be read as a forecast or as financial advice.

Investors

Investing in companies that can shape the future of the City.

Rosary Capital gives investors access to selected fintech and early-stage technology companies that can benefit from the capital, customers and professional expertise concentrated within the City of London.

Our approach combines disciplined early-stage investing with a commitment to widening access to opportunity. We believe strong companies and strong communities can grow together.

Speak to Rosary Capital View Our Investment Approach

Investment opportunities are subject to eligibility, availability and applicable financial promotion requirements. Capital is at risk.

Financial promotion wording, legal and regulatory review: [CONFIRM]

Investment proposition

Why investors work with Rosary Capital.

Early access: Access to selected businesses at inception, pre-seed and early seed stage.
City connections: Opportunities with companies that can benefit from customers, advisers, investors and institutions across the Square Mile.
Operator experience: Practical assessment of product, customers, technology, recruitment and commercial execution.
Long-term value: A focus on companies capable of building sustainable revenues, institutional relationships and defensible market positions.

Investment focus

Where we invest.

Primary investment stage: [CONFIRM]
Typical initial investment: [CONFIRM]
Maximum initial investment: [CONFIRM]
Minimum co-investment amount: [CONFIRM]
Target ownership: [CONFIRM]
Follow-on approach: [CONFIRM]
Geographic focus: [CONFIRM]
Sector focus: [CONFIRM]
Expected holding period: [CONFIRM]
Lead or follow strategy: [CONFIRM]
Investment vehicle: [CONFIRM]
Investor eligibility: [CONFIRM]

Sector categories

01Fintech
02Payments
03Regtech
04Insurtech
05Wealthtech
06Financial infrastructure
07Cybersecurity
08Data and artificial intelligence
09Enterprise technology for financial and professional services
10Legal and accounting technology

Rosary Capital may consider opportunities outside these categories where the company has a strong connection to the City of London and where the team can add meaningful commercial value.

How investors can participate

Rosary Capital investment vehicle

Participation through a Rosary Capital fund, syndicate or investment vehicle.

Structure, availability and eligibility: [CONFIRM]

Co-investment

Selected opportunities for eligible investors to invest alongside Rosary Capital.

Minimum investment and process: [CONFIRM]

Strategic participation

Opportunities for businesses, family offices and experienced operators to contribute capital, commercial introductions or specialist expertise.

Terms of strategic participation: [CONFIRM]

Participation does not guarantee access to every Rosary Capital investment. A route is shown here only as an intended structure and is not available until it has been legally established.

What you receive

Information and access provided to investors.

The materials and access available to you depend on the investment vehicle, the size of your commitment and the information rights Rosary Capital has negotiated with each portfolio company.

Investment memorandaDeal summaries, thesis and key terms for each opportunity.
Due diligence packFinancial, legal and commercial materials supplied for review.
Portfolio reportingQuarterly updates, material developments and company milestones.
Annual financial statements[CONFIRM: vehicle-specific financial statements and accounts].
Capital account statements[CONFIRM: available for fund investors only].
Tax documentation[CONFIRM: vehicle-dependent tax statements and certificates].
Co-investment previews[CONFIRM: early access for eligible co-investors where applicable].
Investor meetingsAnnual investor meeting and periodic portfolio briefings.
Board and governance updates[CONFIRM: information rights vary by investment and vehicle].
Impact and talent reportingProgress on young talent placement, skills and community outcomes.

Not every item is available through every participation route. The exact package for each investor will be confirmed in the relevant investment documentation.

Investment process

01Investor introduction
02Eligibility and suitability review
03Investment strategy discussion
04Access to relevant opportunities
05Due diligence materials
06Investment documentation
07Completion
08Portfolio reporting

Investment opportunities are shared only where appropriate and in accordance with applicable legal and regulatory requirements.

Due diligence

Disciplined early-stage assessment.

Before investing, we work through the following areas with the founding team.

Founder capability and relevant insight
Customer problem
Product and technology
Market size
Commercial model
Regulatory considerations
Competitive landscape
Financial assumptions
Capital requirements
Governance
Risks and dependencies
Potential value Rosary Capital can add

Early-stage investing involves uncertainty. Our role is not to remove that uncertainty, but to understand it, price it properly and work with founders to address the most important commercial risks.

Investor reporting

The intended reporting framework.

Quarterly investor updates: [CONFIRM]
Portfolio summaries: [CONFIRM]
Material company developments: [CONFIRM]
Funding round updates: [CONFIRM]
Revenue and commercial progress: [CONFIRM]
Hiring and team development: [CONFIRM]
Risks and challenges: [CONFIRM]
Portfolio valuation policy: [CONFIRM]
Annual investor meeting: [CONFIRM]
Impact and talent reporting: [CONFIRM]

Reporting arrangements depend on the investment vehicle and the information rights available to Rosary Capital. No reporting frequency is committed to until it has been confirmed.

Investor frequently asked questions

What stages does Rosary Capital invest at?: We invest from inception to pre-seed. We are a first cheque investor and do not require product market fit or revenue before we commit. We look for unique insight, speed of learning and evidence that a team can achieve a great deal with very little.
Which sectors are eligible?: We focus on fintech and technology led businesses connected to the City of London, alongside ambitious founders building for global markets from a UK base. We do not invest in businesses whose primary activity falls outside technology enabled growth, and we avoid sectors where we cannot add practical support.
How can I invest alongside Rosary Capital?: Investors typically participate through co-investment in individual companies, or by supporting the wider Profit with Purpose programme. The route that is available to you depends on your investor classification and the structure of the specific opportunity. [CONFIRM: available investment vehicles and their regulatory status]
What is the minimum investment?: Minimums are set on a deal by deal basis and depend on the structure of the round and the number of participants. [CONFIRM: minimum subscription amount per vehicle]
Who is eligible to participate?: Participation is limited to investors who can be appropriately categorised under the relevant financial promotion rules, which ordinarily means high net worth individuals, self certified sophisticated investors, professional investors and institutions. We will ask you to complete a categorisation statement before sharing any opportunity. [CONFIRM: investor categorisation process and approving firm for financial promotions]
Does Rosary Capital lead investment rounds?: Yes. We are often the first to believe in a company and we typically lead or invest solo on our first cheque. We sometimes co-lead alongside like minded funds, and occasionally follow other top tier funds in larger rounds. We rarely lead follow-on rounds.
How are companies selected?: Every company is sourced through our own network and the wider City ecosystem, then assessed against our investment criteria. We weigh the quality of the founding team, the originality of their insight, how quickly they learn and whether they have identified the metrics that genuinely matter for their business.
How are investments structured?: Most first cheques are made through equity or convertible instruments on terms agreed with the company and any co-investors. The precise structure varies by round. [CONFIRM: standard instruments used and any nominee or syndicate arrangements]
What information will investors receive?: Co-investors receive the information rights negotiated for the relevant round, which ordinarily include periodic company updates and notice of material events. Reporting arrangements depend on the investment vehicle and the rights available to us. [CONFIRM: committed reporting frequency and format]
Does Rosary Capital reserve capital for follow-on investment?: Yes. We hold back capacity to follow on into the strongest companies in the portfolio, so that our best performers can be supported through subsequent rounds. Follow-on participation is always at our discretion and is never guaranteed to any company.
How does Rosary Capital manage conflicts of interest?: We maintain a conflicts policy covering allocation between investors, related party interests and the roles our team members hold elsewhere. Any material conflict is disclosed to affected investors before an investment proceeds. [CONFIRM: final conflicts of interest policy wording]
What are the principal risks?: Investing in early stage private companies is high risk. You should be prepared to lose the whole of your investment. These holdings are illiquid, may be difficult or impossible to sell, are likely to be diluted by later rounds, and rarely pay dividends. Past performance is not a guide to future results and you should not invest more than you can afford to lose.
How does the Profit with Purpose model work?: We pursue commercial returns while deliberately widening access to opportunity in the City. Portfolio companies are connected to young talent through our partnership with TechStart, giving founders access to capable people and giving those people a route into growing businesses. The commercial case and the social benefit are intended to reinforce one another rather than trade off against each other.
Does Rosary Capital guarantee financial or social outcomes?: No. No return, distribution, placement or other outcome is promised or guaranteed. All figures shown on this website are illustrative and depend on individual circumstances, and nothing here should be read as a forecast or as financial advice.

Profit with Purpose

Rosary Capital is built on the belief that commercial success and wider opportunity should reinforce one another.

We invest in companies with the potential to create financial value, while using our position within the City of London to open doors for young people who may not otherwise have access to the technology, finance and investment sectors.

This is not a separate charitable programme attached to the investment business. It is part of how we think about talent, company building and long-term value.

The commercial case

Purpose as a source of long-term value.

Early-stage companies compete for capable, adaptable and ambitious people. At the same time, talented young people from lower-income backgrounds are often excluded from the networks through which opportunities in finance and technology are found.

Rosary Capital aims to connect those two needs.

By giving portfolio companies access to emerging talent, paid project support, apprenticeships and early-career recruitment, we can help founders build stronger teams while giving young people meaningful experience in high-growth businesses.

Talent: Help founders identify capable young people who may be overlooked by traditional recruitment routes.
Capability: Give young people practical experience working on real commercial and technology projects.
Retention: Build a stronger pipeline of talent connected to companies in the City of London.
Growth: Help early-stage businesses access additional skills and capacity as they develop.

Not every portfolio business will take part. Participation depends on the company's stage, capacity and commercial needs.

Supporting young talent

Opening access to the City.

Rosary Capital will work with TechStart and other approved organisations to create practical routes into fintech, technology, investment and professional services.

The focus will be on paid work, genuine responsibility and direct exposure to employers, founders and investors.

Paid internships
Apprenticeships
Work placements
Founder and investor shadowing
Live business projects
Technology and product assignments
Research and market analysis
Early-career employment
Mentoring by experienced City professionals
Visits to financial and technology businesses
Founder events and demonstrations
International commercial exposure where appropriate

Programme categories are indicative and remain editable until confirmed. Unpaid activity is never described as an employment opportunity.

Programme availability and start dates: [CONFIRM]

Relationship with TechStart

Connecting investment with opportunity.

Rosary Capital's relationship with TechStart provides a route through which young people can gain experience within early-stage companies and the wider City business community.

TechStart has experience helping young people move into technology employment through paid work, practical training, apprenticeships, employer partnerships and international exposure.

Where appropriate, Rosary Capital will introduce participating companies to young people who can support real projects while developing their own skills and experience.

Rosary Capital and TechStart are separate organisations. Any services, referrals, funding arrangements or shared activities will be governed by appropriate agreements and conflict-of-interest procedures. An investment never requires a company to use TechStart.

TechStart relationship wording and agreements: [CONFIRM]

Founder participation

How portfolio companies can participate.

Hosting a paid intern
Offering an apprenticeship
Recruiting an early-career employee
Providing a live business project
Hosting a company visit
Providing a founder masterclass
Offering product or technology mentoring
Supporting a young entrepreneur
Sponsoring training or equipment
Participating in a City careers event

Participation is voluntary and should reflect the company's stage, capacity and commercial needs.

Investor participation

How investors can contribute.

Mentoring young people
Hosting workplace visits
Providing paid placements
Supporting apprenticeships
Sponsoring training
Providing technology and equipment
Offering professional advice
Speaking at founder and careers events
Supporting young entrepreneurs
Introducing employers
Supporting programme evaluation

Contributing to the programme does not provide preferential access to investment opportunities.

Measurement

Measuring what we contribute.

Rosary Capital intends to report on practical outcomes rather than broad statements of intent. Measures will focus on participation, paid opportunity, skills development and progression.

Number of young people supported: [CONFIRM]
Number of paid placements: [CONFIRM]
Number of apprenticeships: [CONFIRM]
Number of full-time roles: [CONFIRM]
Number of participating companies: [CONFIRM]
Number of City businesses involved: [CONFIRM]
Number of live projects completed: [CONFIRM]
Progression into further education or employment: [CONFIRM]
Participant retention: [CONFIRM]
Employer feedback: [CONFIRM]
Participant feedback: [CONFIRM]

Impact figures will be published only where they can be supported by appropriate records and reporting methods.

Principles

Paid where it is work: Where a young person is carrying out productive work, the opportunity should normally be paid.
Genuine responsibility: Placements should involve meaningful tasks rather than observation alone.
Access based on potential: Selection should recognise ability and commitment, not only existing networks or previous opportunity.
Commercial relevance: Projects should address genuine business needs and help participants develop useful experience.
Clear boundaries: Investment decisions, recruitment decisions and programme participation must remain properly governed.
Measurable outcomes: Claims should be supported by evidence and reported accurately.

Governance and conflicts

Separation between investment decisions and talent programme selection
Disclosure of relationships between Rosary Capital and TechStart
Written agreements for shared services
Clear treatment of costs
Data protection arrangements
Safeguarding procedures
Recruitment and employment responsibilities
Conflict-of-interest declarations
Approval process for public impact claims
Independent review where appropriate

Rosary Capital will not require a founder to hire a particular person or use a particular service as a condition of investment.

Conflicts of interest policy: [CONFIRM]

Invest in companies. Strengthen the City around them.

Rosary Capital is building a community of investors, founders and City businesses that believe financial performance and access to opportunity can support one another.

Speak to Rosary Capital Support Young Talent Explore Co-Investment Opportunities