The rising cost of living has put immense pressure on consumers, with unsecured debt reaching alarming levels. Solutions like Buy Now, Pay Later and credit card reward programs have encouraged overspending, trapping many in a cycle of debt. CleverBucks aims to break this cycle by incentivising responsible financial habits, helping consumers save and make smarter financial choices, and driving long-term positive change in their spending behaviour.

CleverBucks’ Save Now, Pay Later model will launch in the UK, but its potential doesn’t stop there. Over-reliance on debt is a pervasive issue across Western economies, and CleverBucks will be uniquely positioned to address this challenge. With its scalable approach, the platform has the potential to positively impact the lives of 50M–100M people in the next decade, empowering consumers to build better financial habits and achieve long-term financial stability.

CleverBucks is focused on larger, planned expenses, a segment where market research shows consumers are already saving for these purchases, requiring no significant change in spending behavior. Additionally, consumers actively seek better financial benefits through account switching. Our Save Now, Pay Later model, which enhances buying power beyond traditional interest rates, has been validated by market research. With a growing waitlist of eager consumers at launch and strong interest from UK businesses looking to improve conversion rates, increase average order values, and secure predictable revenue streams, the market demand is clear and compelling.

The potential for CleverBucks spans across a variety of planned expense categories, including home ownership, holidays, luxury retail, weddings, cosmetic treatments, and more. Each of these use cases represents significant market sizes in the UK alone. With in-depth market research, CleverBucks has identified key focus areas for launch: Home ownership and improvement, Travel & Accommodation, and Jewellery & Luxury goods. These sectors not only offer significant revenue opportunities but also align with consumer spending patterns, providing a solid foundation for growth and impact.

For UK investors, CleverBucks offers an exceptional opportunity through the SEIS scheme, providing 50% income tax relief on your investment. We are raising £250k, with £50k already committed, and the funds will be used to secure FCA authorisation and develop our technology platform to offer FSCS-protected bank accounts to UK consumers. This investment not only supports the growth of a purpose-driven business but also positions you to be part of an innovative solution in a high-growth sector.