White Label Crowdfunding

What White Label Crowdfunding does

White Label Crowdfunding Limited (WLCF), founded in 2013 in Leeds, UK, is a privately-held, bootstrapped software-as-a-service provider that builds and hosts white-label crowdfunding and peer-to-peer lending platforms for clients worldwide. The company's flagship product is a proprietary crowdfunding engine running on a LAMP stack (Linux, Apache, MySQL, PHP) with WordPress for content management, fully hosted on dedicated Bytemark servers. The engine is modular, comprising client onboarding with AML/KYC, investor portals, a back-office dashboard, built-in CRM with third-party integrations (HubSpot, Salesforce), transaction processing with open-banking links, reporting, client money management with risk/credit-scoring tools, and an eWallet — delivered as a SaaS subscription or as fully customised bespoke builds. Customers span UK, US, Australia, Singapore, Greece, and Mexico, and include rebuildingsociety.com (WLCF's originating FCA-authorised P2B platform and Network Principal), Plend (UK consumer credit), Incomlend (Singapore invoice finance), LENDonate (US donations), LendCart (UK AI-enabled real estate), Marketlend (Australia supply chain), and Cemaphoro (US/Mexico donations).

WLCF earns revenue through a mix of recurring SaaS subscriptions, multi-year Appointed Representative regulatory contracts via rebuildingsociety.com, and project-based professional services including consultancy, prototype builds, custom platform development, design, and ongoing post-launch support. Pricing is not publicly disclosed; projects typically deliver in 10–12 weeks and the company operates a consultative enterprise field-sales motion with proposals issued within three days of enquiry. Founder Daniel Rajkumar leads a distributed team of ~11 staff across Leeds, Madrid, London, and El Salvador. Aggregate client-platform metrics cited by WLCF include over $1.3 billion loaned, $7.5 billion in funds moved, 63,188 onboarded users, and 11,048,326 processed transactions (2017 figures).

The company's competitive position rests on domain specialisation born from operating rebuildingsociety.com, an FCA-authorised regulatory pathway for UK clients, and integrations with payment providers (GoCardless, MangoPay, SynapseFI) plus CRM (HubSpot) and Salesforce. WLCF has invested over 10,000 hours in its engine, claims 99.91% uptime under SLA, and reports a track record of $7.5B+ in client-platform flows. Recent activity includes the 2017 acquisition of investUP, geographic expansion into Greece via BrikBee (2024), a Wind-Down Servicing solution, and an August 2025 whitepaper push into the UK/EU real estate crowdfunding vertical.

Name

White Label Crowdfunding

Legal name

White Label Crowdfunding Limited

Website

https://whitelabelcrowd.fund

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

White Label Crowdfunding is a Leeds-based SaaS provider that builds, hosts, and maintains white-label crowdfunding and P2P lending platforms for alternative-finance operators across the UK, US, Australia, Singapore, Greece, and Mexico.

Ownership category

akta.pro rank

Headquarters

HQ city

Leeds

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Software as a Service (SaaS): Full end-to-end platform build solution from business model to full launch. Clients pay for the SaaS platform which includes hosting, maintenance, updates, and support. The platform is hosted on WLCF's servers with Bytemark.
2. Consultancy Services: Pre-launch fintech consultancy helping clients understand regulatory requirements, business model development, and platform planning.
3. Custom Platform Development: Custom-built platforms that combine required functionality and usability features with client branding. Separate from SaaS for clients wanting fully custom solutions.
4. Prototype Development: Mini model of crowdfunding platform showing how it will look and feel before full development commitment.
5. Modules and Add-ons: Additional software modules including eWallets, AML checks, and automatic bidding processes that can be added to platforms.
6. Design Services: Brand development, corporate image creation, and design implementation for platforms.
7. Post-Launch Support: Ongoing support and maintenance services after platform launch, including automatic updates for new features and compliance measures.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

White Label Crowdfunding provides a hosted, modular white-label SaaS platform that lets operators launch and run peer-to-peer lending, peer-to-business lending, equity crowdfunding, invoice financing, and donation/reward-based crowdfunding businesses. The offering is delivered as a full end-to-end platform build (business model through launch) on the company's proprietary crowdfunding engine, complemented by consultancy, prototype builds, bespoke platform development, design, post-launch support, and FCA Appointed Representative regulatory pathway via sister company rebuildingsociety.com.

Product overview

White Label Crowdfunding is a specialist SaaS software provider offering a modular crowdfunding platform architecture. The core offering consists of a proprietary hosted crowdfunding engine built on LAMP technology with WordPress CMS, providing end-to-end P2P lending, P2B lending, equity funding, and donation/reward functionality. This core platform is delivered through a Software as a Service (SaaS) model or as Customised Platforms, supplemented by optional add-on modules including Client Onboarding, Client Portals, Compliance, Back Office, CRM, Transactions, Reporting, Client Money Management, and Settings/Customisation. Additional services include Consultancy, Prototype, Design, Post-Launch Support, and Appointed Representative (regulatory) services. The platform is complemented by Wind-Down Servicing for platforms exiting operations. Notable client platforms built on WLCF technology include rebuildingsociety.com (UK FCA-authorised P2B, and WLCF's originating platform), Plend (UK consumer credit), Incomlend (Singapore invoice finance), LENDonate (US donations), LendCart (UK real estate, AI-powered), Marketlend (Australia supply chain credit), and Cemaphoro (US & Mexico donations).

Differentiator

Problem solved

Functional benefit

Products and services

• Software as a Service (SaaS) Crowdfunding Platform Full end-to-end hosted SaaS platform that adapts to client timings and sees the project through from business model to full launch. Incorporates advanced P2P lending transaction processing including fund uploads, bid placement, loan completion, interest calculation, and repayment distribution. For alternative-finance operators that want a hosted subscription product.
• Customised Platforms Custom platform builds that combine required functionality and usability features with the client's branded design. Each platform is developed based on the individual client's needs, requirements, and preferences, distinct from the standard SaaS offering for clients wanting a fully bespoke solution.
• Prototype Mini model of the client's crowdfunding platform showing how it will look and feel, with WLCF support from onboarding through platform launch and beyond. A standalone pre-development engagement for clients evaluating the platform before full build.
• Modules Various software modules encompassing additional elements of the platform, including eWallets, AML checks, automatic bidding, and CRM integrations. Projects begin with the core platform module as the base containing platform setup, workshop consultation, environment creation, user permissions management, fee structures, and audit trail creation.
• Design Design team with years of online and offline experience that works closely with clients to develop a brand, create a corporate image, and implement chosen designs across various models and industries for client platforms.
• Post-Launch Support Ongoing support after platform launch, providing evolving benefits as WLCF develops its technology. Clients become part of the WLCF group, with all platforms on the same framework automatically receiving new features or compliance measures.
• Appointed Representative

Quantifiable outcome

• 99.91% uptime demonstrated for client platform with SLA
• +3 more outcomes

Named customers13 records

Segments7 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature11 records

Partnerships

Four partnerships are on record, tiered core and minor.

• rebuildingsociety.comcoreOEM/ Whitelabel/ Licensing Partner · 1 January 2017WLCF's first P2B platform and sister company. rebuildingsociety.com was granted full FCA authorisation as a Network Principal, enabling WLCF to offer Appointed Representative partnerships to clients seeking FCA permissions. WLCF was founded as a result of rebuildingsociety.com's success.
• BytemarkcoreTechnology or IntegrationUK-based hosting provider supplying dedicated servers for WLCF's fully hosted crowdfunding solutions. Enables efficient maintenance and scalability for all client platforms.
• DIT (Department for International Trade)minorGTM or Marketing PartnerUK government department that selected WLCF among 120 companies to represent the UK at Money20/20 Amsterdam 2018.
• Web-TranslationsminorImplementation/ SI/ Consulting PartnerRecommended translation service for platform localization. WLCF offers localization management at 65 GBP per hour for clients using their own translators.

Scale indicators11 records

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Zopa: UK incumbent P2P consumer lending platform, now also operating as a digital bank. Represents a large-scale vertical competitor in the consumer P2P lending space where WLCF's client Plend also operates.
• Seedrs / Crowdcube: UK equity crowdfunding incumbents (now merged under Crowdcube). Operate their own large-scale equity crowdfunding platforms rather than licensing technology, but represent the destination many WLCF-built equity platforms aspire to scale into.
• Republic: US-based private investing platform that has historically offered 'Republic Portal' white-label infrastructure for issuer-side capital raising. A broader incumbent that operates its own retail-facing investment marketplace while also licensing technology to partners.
• Funding Circle: UK-listed incumbent operating a large-scale P2B/SME lending platform. Competes with WLCF-built platforms like rebuildingsociety.com and Peer Funding for SME borrowers and represents the scaled alternative to which many WLCF clients aspire.
• WealthKernel (now Allfunds Blockchain / part of Allfunds): UK-based embedded investing and trading infrastructure provider offering white-label APIs for investment platforms. Adjacent in serving platform-builders seeking regulated investment infrastructure, though focused more on capital markets than lending/crowdfunding.

Direct peers

• IUVO Group: European P2P lending platform that has developed and operates its own lending technology and offers origination/partnership services. A direct peer in the European alternative finance technology stack with overlapping target geographies (Bulgaria and broader EU).
• CrowdEngine: US-based white-label SaaS provider offering turnkey crowdfunding and investment platform software. Directly comparable to WLCF in core offering (white-label crowdfunding engine), target customer (alternative finance entrants), and SaaS business model.
• LenderKit: Estonia-headquartered provider of white-label investment and crowdfunding platform software. Competes head-to-head with WLCF for new market entrants seeking to launch P2P lending, equity, and real estate crowdfunding platforms under their own brand.

Others

• Lemonway: European payment institution providing payment infrastructure specifically for marketplaces and crowdfunding platforms. Adjacent peer — overlapping customer base with WLCF clients, but focused on payment rails rather than full lending/crowdfunding platform functionality.

Emerging players

• Upvest: Berlin-based API-first investment infrastructure provider offering white-label brokerage-as-a-service. Competes for the same emerging fintech platform-builders in Europe but focuses on capital markets APIs rather than crowdfunding/P2P lending workflows.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/whitelabelcf
• Facebookfacebook.com/whitelabelcrowdfunding
• LinkedInlinkedin.com/company/white-label-crowdfunding-limited

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about White Label Crowdfunding