Chapter 2 When the founders and wider team first began shaping Cluberly, one objective sat above all others: in order to secure funding, the business needed to be structured in a way that allowed it to qualify for Enterprise Investment Scheme investment. From early discussions with advisers, it quickly became clear that this would present a challenge. As defined by HM Revenue & Customs, businesses operating as traditional fintechs — particularly those carrying regulated finan

Chapter 1 The idea for Cluberly did not begin in a boardroom, a pitch deck or a spreadsheet. It began in a place far more familiar to many people across the UK: a local sports club, a match on the pitch, and a group of friends sharing a beer while watching their team play. Like countless conversations that take place up and down the country every weekend, the discussion drifted naturally towards the club itself. There was pride in its history, frustration at missed opportunit