How much do crowdfunding platforms charge?

Rewards platforms (Kickstarter, Indiegogo) typically charge 5% platform fee plus 3–5% payment processing. Equity platforms (Seedrs, Crowdcube) charge 6–7% on funds raised plus carried interest on exit. Loan platforms vary by risk but typically 1–6% APR above base.

What equity do I give away when crowdfunding?

Equity % given away = raise amount ÷ post-money valuation. Post-money = pre-money valuation + raise amount. Always model dilution carefully — existing shareholders, including founders, will see their percentage reduced proportionally.

How is a loan crowdfunding repayment calculated?

Standard annuity formula: monthly payment = P × (r(1+r)^n) / ((1+r)^n - 1), where P is loan amount, r is monthly interest rate, n is term in months.

Crowdfunding Calculator — Rewards, Equity & Loan-Based | Yolist Compass

Crowdfunding Calculator

Model rewards, equity and loan-based crowdfunding campaigns — net proceeds, dilution and repayment schedules.

Rewards Crowdfunding (Kickstarter / Indiegogo)

Calculate net proceeds after platform and payment fees

Target raise (£)

Platform fee %

Kickstarter/Indiegogo: 5%

Payment processing %

Typically 3–5%

Reward fulfilment cost (£)

Manufacturing, shipping, etc.

Average pledge per backer (£)

Which crowdfunding model is right for your UK business?

The UK has one of the most active crowdfunding markets in the world. Choosing the right model depends on your stage, sector and how much equity (if any) you're willing to give away.

Rewards-based (Kickstarter / Indiegogo)

No equity is given away. Backers receive a product, experience or other reward. Best for consumer products with a clear deliverable. Platform fees of 5% plus 3% payment processing mean you typically keep around 92% of funds raised — but only if you hit your target (Kickstarter is all-or-nothing).

Equity crowdfunding (Seedrs / Crowdcube)

You sell shares to the crowd. Platforms charge 6–7% on funds raised plus 7.5–10% carried interest on exit proceeds above your valuation. UK investors can claim EIS or SEIS tax relief (up to 50% income tax relief under SEIS), making your offer more attractive. Post-money valuation = pre-money + raise; equity % = raise ÷ post-money.

Loan-based (Funding Circle / Iwoca)

Borrow from the crowd and repay with interest. No equity given away. Repayments follow standard annuity formula. Rates depend on credit risk and term — typically 6–30% APR for SMEs. Interest is usually tax-deductible as a business expense.

Disclaimer: This calculator is for guidance only. Crowdfunding is regulated by the FCA. Seek professional financial and legal advice before launching a campaign or accepting investment.