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What happens if the company I’ve invested in, or Fundy, goes out of business?


As much as we’re working to make this as unlikely as possible, you will need to be aware of this as a possibility, as investing does contain risks.

Investee company

Investing in start-up and early stage companies is inherently risky, and a key risk is that some or all of your investment will be lost due to the failure of the business you are invested in, including where the company is no longer commercially viable and/or officially becomes insolvent. In those circumstances, the value of investments we hold for you (whether acquired on an investment offer or via our Marketplace) will likely drop to zero or to a negligible value. Following the conclusion of the relevant insolvency process, your share of the remaining assets may be distributed to unsecured creditors of the company, if any, which may be significantly less than the amount you have invested.

The actions that Fundy is able to take on behalf of investors in these circumstances are likely to be limited, but Fundy is mindful of its role in holding investments on investors’ behalf and will endeavour to keep investors updated on the process of any insolvency proceedings where such information is available to us. We will also encourage affected companies to post relevant updates on the Platform.


We need to distinguish the different investment structures we use in our business when considering a scenario in which a Fundy entity becomes insolvent.


Firstly, when we hold your investment in trust as a nominee or through a nominee securities account with a central securities depository, whether your interest was acquired on an investment offer or on our Marketplace, then these investments are segregated from our assets by law. Fundy’s creditors cannot attach any claims against these assets.


Secondly, if you have invested via a loan to an SPV with the purpose of making an investment in an investee company, including acquiring such securities via our Marketplace, then the securities issued by an investee company formally belong to the SPV and any rights attached to these securities are legally tied to the loan agreement. The protections for you as an investor are various:
(i) an SPV has no other business than the investment in a single investee company and thus is not subject to claims from third persons;
(ii) the shares of an SPV are not held by the company providing the service to protect against the insolvency of the operational company;
(iii) the repayment obligation under the loan agreement and the investment or any proceeds in relation to the investment are tied together.

Therefore, the insolvency of a Fundy entity does not affect your loan relationship with the SPV and the registry of loan note holders can be handed over to another service provider, a Lead Investor, the SPV itself or to another person chosen by investors.

If the operations of the whole Fundy group are terminated then it is the responsibility of the liquidator or insolvency administrator to handle the continuance or transfer of the SPV, together with the assets and contractual relationships. Even when the shares of an SPV are handed over to a third person, i.e. not a Fundy company, Lead Investor or another person related to a specific syndicate, then the investor’s claim against the SPV and the rights of the SPV as an investor in an investee company remain intact under the loan note agreement.


The funds you transfer to, and hold on, our account for the purposes of making investments (i.e. the Wallet function) are held on client money / trust accounts with recognised and authorised credit institutions. This money is held and segregated as your money and it does not belong to us. Therefore, this can be returned to you upon request.

Whilst we hope this page is informative, you should be aware that Fundy does not provide legal, financial or tax advice of any kind to any person, and that if you have questions about how an insolvency situation might affect your own particular circumstances, you should consult an appropriate professional advisor.

Warning: Investing in early-stage and growth companies puts your capital at risk. Please read our Risk Disclosure Statement

Risk Warning & Disclaimers The information about the investment opportunities profiled on this website is provided for general information and marketing purposes only and should not be considered an invitation or inducement to engage in any investment activity. Complete and comprehensive information about an investment opportunity is only available only to investors who have been approved by a Fundy group entity.

You should ensure you carefully read the Risk Disclosure Statement before deciding to proceed with any investment or transaction, including making a purchase of securities via the Marketplace. Fundy has taken steps to ensure that company and securities offering information is clear, fair and not misleading in accordance with its internal verification procedures. Fundy does not provide investment advice or any recommendation to invest. Any investment opportunity on this website should not be considered as an offer to the public and is not directed at or offered to anyone to whom it may not be so directed or offered, or located in a jurisdiction where it is unlawful to do so.

This page provides you with an overview of the services provided by different entities belonging to Fundy Group. In this page, we generally refer to the group as “Fundy”, “we”, “us” or “our”. It is important to note that funds are raised, investments made and trade orders placed through Fundy Pte. Ltd. (authorised and regulated by the UK Financial Conduct Authority under FRN 794918) or Fundy Markets Pte Ltd (licensed and regulated by the Monetary Authority of Singapore under Capital Markets Services (CMS) license CMS100863) and Fundy Markets AS (authorised and regulated by the Estonian Financial Supervision Authority under permit 4.1-1/212).

The Marketplace is operated as an organised market by Fundy Markets Pte Ltd in Singapore as a Recognised Market Operator (RMO) under the supervision of the Monetary Authority of Singapore.