For Investors

For investors

Pre-seed investment offer

Help to shape the future of healthcare and disruptively innovate private medical insurance into history

Really Intelligent Ltd

Really Intelligent Ltd is an AI-native, London-based tech startup that was founded to develop Pomegranate Health. If you’re a UK taxpayer and you invest in Really Intelligent, you’ll enjoy all the benefits below. You’ll be helping to shape the future of healthcare and consign private medical insurance to the history books where it belongs.

The Revolut story

You might think a group of small investors can’t disrupt the £7 billion private medical insurance industry, but you’d be wrong. Revolut was founded in London only 10 years ago, with an initial pre-seed round of £1.5 million. It’s now worth £48 billion, giving those initial investors a 40,000% return on their investment.

Multiple funding rounds

A successful global tech company like Revolut can’t be built for £1.5 million. Revolut has had 14 funding rounds, raising a total of around £1.5 billion from venture capital firms and other institutional investors. Really Intelligent will be the same. This pre-seed round will be the first of many, but it will be your only chance to invest before we go to VCs.

EIS Advance Assurance

Really Intelligent Ltd has received EIS Advance Assurance from HMRC. This means UK taxpayer investors can benefit from substantial income tax relief, loss tax relief, inheritance tax relief, and capital gains tax benefits through the UK government’s Enterprise Investment Scheme (EIS).

Income tax relief

You’ll get income tax relief at 30%. For example, if you invest £10,000, HMRC will give you back £3,000, so a £10,000 investment will only cost you £7,000.

Unlimited tax-free gains

If you invest in Really Intelligent Ltd and hold on to your shares for at least 3 years, you can keep all your gains and pay zero capital gains tax. We can’t guarantee you’ll get the same returns as early-stage Revolut investors, but you just might.

Help to "Revolut.ionise" private medical insurance

Revolut's early investors have had a 40,000% return

The Really Intelligent SeedFAST

If you invest in Really Intelligent in this pre-seed round, your money will be held in the Really Intelligent SeedFAST, and your investment will be converted into shares at the next funding round.

20% discount

As a special thank you for being amongst the first investors in Really Intelligent Ltd, you’ll be issued with a SeedFAST note at a 20% discount to investors in subsequent rounds. This means that at the next funding round, your investment will be converted into 20% more shares than investors in that round will get for the same investment.

Valuation cap

As a SeedFAST investor, you’ll benefit from a valuation cap in addition to the 20% discount. This will prevent your share in the ownership of Really Intelligent Ltd equity from being too diluted if it increases substantially in value before the next funding round.

Secondary market

You’ll be able to buy more shares or sell some of those you have from other early-stage investors through a private secondary internal market, potentially years before a stock market flotation or company sale.

“How much can I invest?”

We can raise up to £5 million through the EIS in this initial round. Any UK taxpayer can invest up to £1 million in EIS companies in any tax year. A married couple can invest £1 million each, and the investment can be carried back so an additional £1 million can be invested by each partner from the previous year, if at least £1 million is into a KIC (a research-focused knowledge-intensive company), which Really Intelligent intends to be.
You can borrow to invest, and we can suggest specialist lenders.
The minimum investment in Really Intelligent is £5,000.

How it works

Never lose your whole investment

In the worst-case scenario, and Really Intelligent Ltd fails and goes into liquidation, you’ll also get loss relief at your highest marginal tax rate. Say you initially invested £10,000 (which will have only cost you £7,000 as you will have had 30% income tax relief immediately), and that £7,000 is wiped out as the company fails, you’ll get loss relief of that £7,000 at your marginal tax rate. If you’re a higher-rate taxpayer at 45%, that will be £3,150 returned to you by HMRC. So if you invest £10,000 and Really Intelligent completely fails, it’ll only really have cost you £3,850.

Sleep safe with investment protection

The future of healthcare

Ready?

If you want to get your name on the waiting list, click on the link and leave your details.