Participated · Series B · Jul 2025

Wrisk provides a purpose-built, data-driven platform that enables automotive brands and insurers to deliver embedded and branded insurance experiences across the full ownership lifecycle, from quote and bind to renewal and claims. Its proprietary embedded data framework harmonises inputs from connected car systems, telematics, transactional records and customer interactions to support pricing, claims and customer engagement. Wrisk powers programmes for BMW, MINI, Volvo, Mercedes‑Benz, Jaguar Land Rover and Stellantis, and reported triple-digit revenue growth in 2024 with more than 100,000 policies written last year. The company acts as a partner to insurers and OEMs to launch, scale and operate tailor-made regulated insurance solutions designed for multi-product cross-selling. Going forward, Wrisk is focused on expanding across Europe, investing in data and intelligence, scaling partner programmes and improving platform scalability to support OEM digitisation and changing mobility trends. Wrisk is a digital‑first B2B2C insurtech provider focused on the motor insurance space that offers an embedded, white‑labeled platform for pricing, distributing, and managing insurance products. Its customizable platform enables automotive brands to build frictionless, mobile‑first insurance experiences. The platform can be delivered as a fully managed MGA service to UK clients or licensed directly to insurance companies and enterprise partners globally. Wrisk maintains strong partnerships with global auto OEMs and insurance carriers. Its perpetual insurance platform is described as unique in the UK and enables a true subscription proposition. Flow Capital’s recent investment is intended to help accelerate Wrisk’s commercial activities, continue growth within the UK and European markets, and support further global expansion. Wrisk is a London-based insurtech that provides a customizable mobile-first insurance platform for automotive, retail, telecommunications and other brands. Led by CEO Nimeshh Patel, the company partners with insurance companies to deliver mobile-first insurance at the point of sale. It has partnerships with the BMW Group, the RAC, Allianz and Munich Re. Last month Wrisk launched a flexible monthly subscription car insurance product that allows people to pay for the miles they drive, in partnership with the RAC. The company said it will use the funds to expand operations, broaden its business reach and further scale its platform.

Participated · Series A · Apr 2023

Wayhome offers Gradual Homeownership, a hybrid part-buy, part-rent model that lets customers buy homes worth up to 10x household income with a 5% deposit and without requiring a mortgage. Led by CEO Nigel Purves, the company deploys capital to purchase customer properties and currently has an annual deployment rate of £100m. Wayhome plans to use the £8M Series A to deepen partnerships with mortgage brokers and lenders in the coming months. The raise is intended to help the leadership team double deployment to £200m per year within 12 months. Investors in the round include existing backers Allianz X and Augmentum Fintech alongside new funds Volution, Love Ventures and Cur8 Capital. The company is based in London. Wayhome offers a product called Gradual Homeownership, a hybrid tenure that lets customers buy a home with a 5% deposit and no mortgage, enabling purchases up to ~10x income. The company says it does not charge customers fees and instead earns contractual, long-term revenue from pension funds that invest in the homes. Revenue comes from a purchase fee (1% while deploying the initial £75m fund, reverting to 2% thereafter) and a 0.8% annual management fee on capital invested by pension funds. Since launching in September 2021 the firm has completed 65 homes, has the next 100 offers accepted and says it has helped over 150 families. Wayhome reports an estimated potential gross profit of approximately £30k per home over a projected 12-year holding period. The company is incorporated in September 2016 and is based in London, UK. Unmortgage is a London startup offering a 'part-own, part-rent' product that enables customers to purchase as little as 5% of a home and rent the rest, avoiding a conventional mortgage. The company aims to launch next year and has just closed a £10 million seed round to support that rollout. Properties are revalued monthly so customers always have an up-to-date valuation when increasing their stake, and customers can buy more equity "from as little as a pound" at any time. Rent on the portion not owned is pegged to inflation, with an option for customers to request a rent review if inflation outpaces market rents. Customers can buy out Unmortgage with a mortgage or inheritance, or give three months' notice for Unmortgage to buy them out at market price. Unmortgage plans to use institutional funding to finance its share of purchased homes, targeting institutions that want residential exposure without acting as landlords.

Participated · Equity · Jan 2023

Apperio provides a legal spend management platform that aggregates and analyses historical and current legal spend, including law firm work-in-progress (WIP) and accruals. The platform offers matter tracking, a single dashboard for in-house counsel, streamlined invoice approval workflow, and real-time budget-threshold alerts that enable conversations with law firms before budgets are exceeded. The company reports more than 250 global law firms connected to its platform. Led by CEO Nicholas d’Adhemar and non-executive chairman David Eldridge, Apperio plans to use new funds to further develop its product for corporate counsel and accelerate expansion into the U.S. market. The round brought Apperio’s total funding to date to $19.9m. The company is based in London, UK. Apperio is a London-based legaltech company offering real-time visibility into corporate legal spend. Its cloud application automatically ingests daily data from law firms to track billed and unbilled hours, run analytics, and monitor law-firm performance without requiring administration or behavior change. Founded in 2013 by Nicholas d’Adhemar, the company has a team of about 20 and serves FTSE 100 and private clients including Just Eat and Network Rail. Apperio raised $10m in a Series A to fund growth. The company intends to use the funds to grow across all areas, with a particular focus on Commercial and Customer Success to support international expansion. Apperio is a London-based real-time fee tracking platform for legal firms and their clients. The company’s smart-analytics platform gives law firms and businesses real-time transparency on legal fees. It offers an interface that creates a common language for law firms and clients, enabling communication of progress and billing and identifying areas for improved efficiency. Following a £1.7m seed round, the company plans to use the funds to expand its team and further develop its solutions. Led by founder and CEO Nicholas d’Adhemar, Apperio previously won Seedcamp 2013 and has received angel funding from Stephen Chandler, Jan Reichelt and Andy Phillipps.

Led · Equity · Sep 2022

Habito operates a digital mortgage brokerage and home-buying service that helps buyers with mortgage applications and financing. The company launched in April 2016 and is led by founder and CEO Daniel Hegarty. It has introduced Habito Plus, a homebuying service that brings a buyer’s mortgage application into the process. Habito reports it has submitted more than £9 billion worth of mortgages. Prior to this round the company had raised more than £68m in equity from well-known investors. The business continues to expand its product offering around mortgage sourcing and homebuying support. Habito digitises the mortgage process, initially operating as a digital mortgage brokerage and later expanding into direct lending after regulatory approval, starting with buy-to-let mortgages. It integrates conveyancing and reduces required documents to speed mortgage application-to-offer times, and offers Instant Decision technology to partners. The company has launched Habito Plus to bundle mortgage applications, conveyancing and surveys into a single end-to-end home-buying service. Habito also provides a broker portal giving more than 3,000 external brokers access to its buy-to-let products and technology. The business recently became B Corp certified, committing to balance people, planet and profit. Financially, Habito completed a £35M Series C comprising an earlier Series C equity raise and a subsequent Series C extension via a convertible loan note, bringing total capital raised to just over £63M since launching in 2016. Habito is a London startup that offers an app and website to bring the entire mortgage process online as a free digital mortgage broker. Its technology analyzes over 11,000 mortgage products across 70 lenders in real time to match borrowers to suitable mortgages and lets users complete applications through the Habito platform. Once users sign up, Habito continuously monitors the market and alerts customers when a better deal appears, aiming to simplify switching and reduce overspend. The company says 1 in 4 British homeowners are mismatched and overpay by around £4,000 per year, a key market opportunity for its proposition. Habito plans to expand its offering to include home and life insurance and to integrate its technology with major retail banks and high street lenders to enable “real-time mortgage approvals.” The startup was founded by Daniel Hegarty and positions its product to reduce friction and fees compared with traditional brokers. habito is a London, UK-based digital mortgage broker led by founder and CEO Daniel Hegarty. Its platform gives customers access to over 60 lenders in real time and enables them to complete the entire mortgage application online. Launched in April 2016, the platform has been used by more than 20,000 people and has completed £50 million in mortgage applications. The company intends to use new funding to enhance the technology behind its service and further develop its machine learning capabilities over the next 12 months. Planned developments include adding real-time mortgage approvals and automatic alerts when a better mortgage deal becomes available to registered customers. Investors in the company include Mosaic Ventures, Transferwise CEO Taavet Hinrikus, Funding Circle founder Samir Desai, and Yuri Milner. Habito is a London startup that positions itself as the U.K.'s first digital mortgage broker and offers a fully automated brokering service. Its proprietary technology analyzes over 15,000 mortgage products across 100 lenders in seconds to identify the best deal for each applicant. Customers can apply online from phone, tablet or desktop in under 30 minutes. The platform uses machine learning to track eligibility criteria, interest rates, affordability and product features so it can make data-driven decisions and spot emerging patterns. Habito offers its brokerage service free to consumers and is paid by lenders via a commission that is a fraction of a percent of the mortgage. To help launch the service, the company raised just over £1.5 million in seed funding.

Led · Equity · Jun 2022

Rotageek offers cloud-based technology and automatic scheduling to help multi-site businesses manage and schedule staff to meet demand, drive efficiency, and reduce costs. The platform has signed large retail clients including Caffè Nero, McColl’s, White Stuff, and Charlotte Tilbury. It has also gained traction in healthcare, replacing long-established rostering solutions at Ashford and St Peter's Hospitals NHS Foundation Trust and Central North West London NHS Foundation Trust. The company was founded by Dr Chris McCullough, Nick Mann and Roy Pounder and is based in London. Rotageek has raised £3 million in a funding round led by Volution, Calculus Capital, and Gresham House Ventures. The new capital will support continued growth with planned investment in product development, sales, and marketing to accelerate expansion and deliver more value to clients. Rotageek provides cloud-based automatic scheduling and workforce-management software that uses machine learning to identify patterns, optimise staffing to meet demand, and enable staff to swap and cover shifts via mobile apps. Its tools target multi-site businesses and are widely used in the UK retail sector by customers including Prêt a Manger, The Perfume Shop, Dune, Pets at Home and O2. The company has offered free trials of its proprietary solution to NHS hospitals and trusts to help manage complex scheduling during the COVID-19 crisis and has seen implementation across hospitals nationwide. Rotageek says the new funding will support expansion into the global workforce management market, which it values at over £3bn. Founders include CEO Dr Chris McCullough, CTO Nick Mann and Professor Roy Pounder; McCullough’s NHS background motivated the product focus on shift-based workforces. The company secured a £6m Series B to accelerate its international growth and continued product roll‑out. Rotageek provides cloud-based, data-driven scheduling technology that helps multi-site businesses predict customer demand, schedule staff, and improve operational efficiency. Led by CEO Chris McCullough and headquartered in London, the company serves high-street brands including The Perfume Shop, Dune, Pets at Home and O2. In August 2018 Rotageek raised £4m in funding, with lead investor Mobeus Equity Partners committing £2m. The company intends to use the funds to continue developing its data-driven solutions and to recruit experienced specialists in development and customer service. Following the deal the board will appoint Stuart Dawson as non-executive chairman, and Greg Blin, who led the deal for Mobeus, will join the board. RotaGeek offers a data-driven workforce-scheduling platform that optimises staff time and matches staffing capacity to customer demand. The company used data from 270 O2 retail stores to reallocate 6,300 staff hours and helped O2 save £2.5m. RotaGeek also works with the NHS and a number of smaller enterprises to optimise scheduling in healthcare and retail settings. Co-founder and doctor Chris McCullough conceived the idea while working in A&E. RotaGeek joined Telefónica’s Wayra accelerator in 2014 and was an Elevator Pitch winner in 2015. Financially, the startup revealed it raised £557,000 in July from six angel investors, on top of a £100,000 Wayra investment the prior October and a £52,000 convertible note received in July. The team aims to take RotaGeek global to simplify scheduling and deliver value to customers worldwide.