Don't invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more.
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Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be high risk.
What are the key risks?
- You could lose all the money you invest
- If the business you invest in fails, you are likely to lose 100% of the money you invested. Most start-up businesses fail.
- You are unlikely to be protected if something goes wrong
- Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here.
- Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA-regulated firm, FOS may be able to consider it. Learn more about FOS protection here.
- You won’t get your money back quickly
- Even if the business you invest in is successful, it may take several years to get your money back. You are unlikely to be able to sell your investment early.
- The most likely way to get your money back is if the business is bought by another business or lists its shares on an exchange such as the London Stock Exchange. These events are not common.
- If you are investing in a start-up business, you should not expect to get your money back through dividends. Start-up businesses rarely pay these.
- Don’t put all your eggs in one basket
- Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.
- A good rule of thumb is not to invest more than 10% of your money in high-risk investments.
- The value of your investment can be reduced
- The percentage of the business that you own will decrease if the business issues more shares. This could mean that the value of your investment reduces, depending on how much the business grows. Most start-up businesses issue multiple rounds of shares.
- These new shares could have additional rights that your shares don’t have, such as the right to receive a fixed dividend, which could further reduce your chances of getting a return on your investment.
If you are interested in learning more about how to protect yourself, visit the FCA’s website here.
| Type: | EIS |
|---|---|
| Sector: | Fintech |
| Target return: | 5x |
| Funds raised / sought: | £360k / £1m |
| Minimum investment: | £10,000 |
| Next application deadline: | 19 Sep 2025 |
| Type: | EIS |
|---|---|
| Sector: | Fintech |
| Target return: | 5x |
| Funds raised / sought: | £360k / £1m |
| Minimum investment: | £10,000 |
| Next application deadline: | 19 Sep 2025 |
| About this deal | What to expect post-investment |
|---|---|
| This is a co-investment alongside Haatch Ventures LLP, which has reviewed the opportunity and selected it for its Haatch Direct service. Please read the offer documents carefully. | Haatch Ventures, the EIS fund manager, will produce initial and ongoing shareholder documents. |
This overview is provided to make it easier for you to form your own view about the opportunity.
“Fintech-in-a-box” platform growing ARR 3x in the last three years
From ecommerce websites and ride-sharing apps to travel booking platforms and everything in between, non-fintech companies are increasingly turning to “embedded finance” to boost revenue, increase customer loyalty and simplify the buying process.
Embedded finance refers to the seamless integration of financial services (payments, lending, banking, etc.) into apps and services. For instance, embedded finance powers the “Buy Now, Pay Later” option on a retailer’s website, it allows you to tip your driver from within the ride-sharing app or add insurance with a click when buying a flight ticket.
However, for a non fintech company, adding such services can be costly and complicated. Usually, it’s a choice between appointing an agency to build the infrastructure, which can take over 18 months and cost €2-3 million, or piecing together services from dozens of different suppliers for banking, compliance and security.
Aazzur Limited (Aazzur or “the Company”) has created a “fintech-in-a-box” platform that simplifies this. It claims it can help a business of any size build and launch a sophisticated financial product 10x cheaper and 4x faster than any alternative (see how this works below).
The Company was founded in 2017 and launched in 2019 by a team of experienced tech entrepreneurs with a track record of successful ventures and expertise in finance and technology. Co-founder/CEO Philipp Buschmann is a serial founder. COO/CFO Martin Damaske was part of the founding team of €1.5 billion Hypoport Group, which provides technology for the credit, insurance and real estate sectors.
Aazzur has 10+ enterprise clients, including – services and payments platform for corporate employees Edenred, and Société Générale’s Banking-as-a-Service (BaaS) platform Treezor. The Company reports there are several new contracts in advanced stages in its pipeline.
In 2024 the company won “Best Business Model Innovation Award” from Mastercard Central European Fintech Forum against 700 other startups.
The market for embedded finance is projected to reach £400 billion in revenue by 2030. Aazzur believes it could be well-positioned to capture the mid/enterprise segment and become the leading marketplace across Europe – not guaranteed. It appears to have traction: the Company reports annual recurring revenue (ARR) growing 3x year-on-year to £730k (August 2025) and aims to achieve £100 million ARR by 2030.
Now, to help expand its partner network and progress towards its ambitious aims, Aazzur is seeking to raise a seed round of £1 million under EIS. The round is led by Haatch; Wealth Club has an exclusive allocation of £500k, investing on the same terms and managed under the Haatch EIS fund structure. The minimum investment is £10,000.
Haatch believes the investment could potentially deliver a return in the region of 5x before EIS tax relief but after fees in five years – high risk and not guaranteed.
Please carefully read all investment documents prepared by the Company and Haatch to form your own view.
Important: The information on this website is for experienced investors. It is not advice nor a research or personal recommendation to invest. If you’re unsure, please seek advice. Investments are for the long term. They are high risk and illiquid and can fall as well as rise in value, so you could get back less than you invest.
The deal at a glance
| Type | Single-company EIS private offer |
| Current round | £1m Seed round |
| Notable current and previous investors | Alumni Ventures, Tyr Ventures, Alert Venture Fund, Haatch |
| Fully diluted pre-money valuation | £12 million |
| Business / revenue model | 95%+ recurring revenue, average client worth £1.5m over three years |
| Revenue last full financial year | £263,000 |
Note: the Company is currently loss-making. Capital is at risk: you could lose your investment.
How could Aazzur help brands build mission-critical finance products at a fraction of the time and cost?
Aazzur’s platform acts as a central hub connecting brands to over 30 banking, payment and insurance partners – a curated and expanding ecosystem of fintech providers.
At the same time, Aazzur has created technology consisting of scalable plug-and-play modules it calls Smart Finance Blocks (SFBs). It currently provides 70 SFBs to choose from. Each offers a set of front-end screens with pre-built app features and functions – white labelled, to be configured to a client’s branding. The underlying software enables brands to choose fintech providers to partner with for their finance product.
Aazzur has a strategic partnership with Mastercard. However, the platform is partner-agnostic – meaning clients have the freedom to choose the best services for their needs without being locked-in to a single provider. In Aazzur’s view, this flexibility adds another competitive edge to its fast and cost-effective solution.
How does Aazzur work? Watch the Company's video
Risks – important
This is a single company offer with no diversification. It involves investing in an early-stage, loss-making business, which is by nature high risk and prone to failure. There is a risk that the capital raised may not be sufficient to achieve the Company’s objectives. You could lose all the amount you invest.
Like all investments available through Wealth Club, it is only for experienced investors happy to make their own investment decisions without advice.
There is no ready market for unlisted EIS shares: they are illiquid and hard to sell and value. There will need to be an exit for you to receive a realised return on your investment.
Exits are likely to take considerably longer than the three-year minimum EIS holding period; equally, an exit within three years could impact tax relief. The value of tax benefits depends on circumstances and tax rules can change.
Before you invest, please carefully read the Information Memorandum which contains further details on the considerable risks – alongside the Wealth Club Risks and Commitments.
Please note: the Company is expected to be included in the current tranches of Haatch’s funds.
Structure and fees
Investors will invest in Aazzur only via the Haatch EIS fund, an Alternative Investment Fund. The fund is managed by Haatch Ventures LLP, whilst Apex Unitas Limited (Mainspring) will act as the custodian and administrator. Wealth Club Limited is the introducer of this offer.
The investment is expected to be EIS-qualifying – not guaranteed.
Wealth Club investors will invest at the same price and on the same terms as the other investors in this round.
All the services Wealth Club and, where applicable, its subsidiaries provide are governed by the Terms and Conditions of the Wealth Club Services.
Fees
A set-up and management fee of 6% will be payable to Haatch. This fee will be deducted from your subscription and will reduce the amount invested and on which tax relief can be claimed.
Haatch will also receive a performance fee on returns over £1 per £1 invested: 25% on proceeds between 1x and 5x, 30% on proceeds over 5x.
Haatch will share these fees 50/50 with Wealth Club. This will not involve any additional costs to investors or the company.
The fees and charges above are stated exclusive of VAT, which applies in some cases, as determined by the manager. Please check the VAT position carefully in the offer documents.
This financial promotion has been communicated and approved by Wealth Club Ltd on 27 August 2025
Wealth Club aims to make it easier for experienced investors to find information on – and apply for – investments. You should base your investment decision on the offer documents and ensure you have read and fully understand them before investing. The information on this webpage is a marketing communication. It is not advice or a personal or research recommendation to buy any of the investments mentioned, nor does it include any opinion as to the present or future value or price of these investments. It does not satisfy legal requirements promoting investment research independence and is thus not subject to prohibitions on dealing ahead of its dissemination.