Companies · Fintech

Paylo Pay Ltd

LONDON · Fintech · refined from filed group “Other Technology

Diligence memoA one-page analyst read on Paylo Pay Ltd — recommendation, valuation, rhythm, risks.
$1.8M
Total raised · real
1
Rounds
Latest step-up
Top 25%
Sector rank · raised
Seed
Latest stage · inferred · Fri May 03 2024 00:00:00 GMT+0000 (Coordinated Universal Time)

Paylo Pay Ltd looks under-valued against its niche peers and is at-risk on financing cadence.

Synthesized from the figures below est. — every claim rests on a number shown on this page. Valuation uses the fintech sector profile.

Analyst read est. — computed against this company's niche peers in the same era. Inputs shown; not a quoted figure.

Under-valued
  • Modeled value is 0.44× the median modeled value of Seed Fintech companies in 2022–2024 (53 peers) — value vs value, same stage and era.
At-risk
  • Last raise 2.2 yr ago; this sector typically re-raises about every 12 months.
  • Past due for a raise versus sector cadence — watch for distress or a bridge.
Leadership

No named principal in this company's public records yet — see all operators below.

Explore how these operators interlock with other companies in the operator network.

Where it sits in Fintech

Paylo Pay Ltd is one of 1063 Fintech companies tracked from LONDON. By capital raised it ranks in the upper tier (ahead of 76% of sector peers), and in the upper tier by modeled valuation est..

Ranking is computed against this company's own sector cohort — reported capital is fact; valuation tiers are modeled.

As reported in public records reported — not modeled.

US
Jurisdiction
Rule 506(b)
Reg D exemption
18
Investors (latest)
2024
Year incorporated
2024-05-03
First sale
Amount raised vs valuation, by round

Solid bars are reported offering amounts reported; hatched bars are the modeled post-money valuation est. — both on one shared scale so you can read raise-vs-worth at each round directly. Use the toggles to overlay data labels and the niche-peer / market average value lines.

Amount raised · realModeled valuation · estCumulative funded · real
$0$2.5M$5.0M$7.5M$10MSeed · 2024-05-03 Raised $1.8M (real) Modeled valuation $9.7M (est)$1.8M$9.7MSeed2024

The line shows cumulative reported funding over the period; + labels show new capital added between points when there is room. Toggle on-bar figures, plus the niche-peer and market averages, to read this company against its cohort. Benchmarks are modeled medians.

Financing ladder & sequence gaps
Seed$1.8M · 2024

Stages are modeled from round size (public records carry no series label). No record for: Pre-Seed — the company may have raised it under a different exemption, merged it into an adjacent record, or skipped it. Sequence completeness: 50%.

Modeled valuation trajectory
$9.7M
Base estimate est.
$1.5M
Conservative case
$26.9M
Upside case
$8.8M
Modeled post-money

Round size and date are reported; the stage label is inferred from round size (latest is Seeda $1.0M–$4.0M round). Valuation is modeled from stage benchmarks scaled by the fintech sector profile. Directional, not a quoted figure.

Not enough modeled valuation points to chart a trajectory.

Model inputs · modeled:benchmark-stage-stepup-v1
20%
Dilution assumption
Implied ownership sold in the financing.
38%
Survival probability
17% low · 60% high
1.62×/yr
Annual markup
2.13×/yr upside case
2.2 yr
Elapsed time used
2.2 yr actual, capped for stale marks
fintech
Sector profile
Adjusts growth and survival by industry.
Financing rhythm
Avg between rounds
Capital velocity
2.2 yr
On record since
2024
First round
1
Rounds on file
How it compares to the market

Benchmarked against 1063 companies in Fintech. Each bar is a median (the middle company, not an average — outliers don't skew it). Two yardsticks: real money raised (reported on Form D) and modeled value (our estimate est.). These are whole-sector medians across all stages, except the per-stage row.

Total raised — vs sector median (real $, all stages) 0.4× of median
This company$1.8M
Sector median$4.3M
Latest round — vs other Seed rounds in sector (real $, this stage) 0.9× of median
This company$1.8M
Sector median$2.0M
Modeled value — vs sector median (estimate, all stages) 0.2× of median
This company$9.7M
Sector median$45.1M

Raised more than 76% of sector peers (real $). Modeled value above 72% of peers (estimate).

Niche peers — same stage & era

A tighter cohort than the sector chart above — only companies at the same stage (Seed) that last raised in the same ~3-year era, ranked by modeled value est. (not money raised). This is the exact set the analyst read compares against, so a like-for-like cohort is what makes "over/under-valued" meaningful. This company ranks #42 of 53.

This companyCohort peer
$1.0M$10.0M$100.0M$1.0M$10.0M$100.0MCapital raised (log)Floatpays Inc · Seed Raised $4.0M · modeled $65.8M (est)Sote, Inc. · Seed Raised $11.3M · modeled $65.6M (est)Earnipay · Seed Raised $4.0M · modeled $63.8M (est)Pink Swan Trading, Inc. · Seed Raised $3.3M · modeled $55.8M (est)Tweed Payments Inc. · Seed Raised $4.0M · modeled $53.8M (est)Coverage Cat Inc. · Seed Raised $4.0M · modeled $52.8M (est)Remedial Health · Seed Raised $4.4M · modeled $52.8M (est)Duplo · Seed Raised $4.3M · modeled $52.7M (est)Flash · Seed Raised $6.0M · modeled $48.3M (est)Mobie Payments, Inc. · Seed Raised $3.0M · modeled $47.0M (est)BluePenguin Payments Inc. · Seed Raised $3.2M · modeled $45.5M (est)ImaliPay · Seed Raised $3.0M · modeled $44.7M (est)Paylo Pay Ltd (this company) Raised $1.8M · modeled $9.7M (est)Paylo Pay Ltd
CompanyStageRaised · realValue · estvs peer med.
Floatpays IncSeed$4.0M$65.8M2.99×
Sote, Inc.Seed$11.3M$65.6M2.98×
EarnipaySeed$4.0M$63.8M2.90×
Pink Swan Trading, Inc.Seed$3.3M$55.8M2.53×
Tweed Payments Inc.Seed$4.0M$53.8M2.44×
Coverage Cat Inc.Seed$4.0M$52.8M2.40×
Remedial HealthSeed$4.4M$52.8M2.40×
DuploSeed$4.3M$52.7M2.39×
FlashSeed$6.0M$48.3M2.19×
Mobie Payments, Inc.Seed$3.0M$47.0M2.14×
BluePenguin Payments Inc.Seed$3.2M$45.5M2.07×
ImaliPaySeed$3.0M$44.7M2.03×
Paylo Pay Ltd this companySeed$1.8M$9.7M0.44×
Full financing history

Stage is inferred from round size est., not reported on the filing — a round's dollar size maps to a bucket: Pre-Seed <$1.0M · Seed $1.0M–$4.0M · Series A $4.0M–$15M · Series B $15M–$40M · Series C $40M–$100M · Series D+ $100M–$400M · Growth/Late >$400M.

StageAmount · realAnnouncedPost-money · estValue · estConf.
Seed$1.8M2024-05-03$8.8M$9.7M90%
What happened at each round

Step-up, pace versus the sector's normal cadence, and revenue/exemption moves — read straight from the reported round facts reported.

  1. Seed$1.8M2024-05-03
    • First recorded raise — entered as Seed.
    • 18 investors on this round.
Intelligence
Modeled next raise
$2.8M
Modeled next size est.range $1.8M$4.5M
Last step-up
Capital velocity

Predictive signals are modeled est. from this company's own cadence and step-up, plus sector benchmarks — directional, not advice. Peer set and a CSV export live in your analyst workspace.

Key people & operators

Officers, directors and promoters named in this company's public recordsreported — the people who run it (not its investors). "Also runs" counts come from name-matching across all records, so verify before acting.

PersonRoleAlso runsTied since
FRANTISEK TIMOTHY SEDIVY2024-05
MILES TIMOTHY HANCE-LAMBIE2024-05
SIMON TIMOTHY COCKLE2024-05
TIMOTHY NEIL PHILIP2024-05
Registry & provenance

Paylo Pay Ltd is an official record sourced from the U.S. Securities and Exchange Commission (SEC). U.S. data is aggregated from SEC Form D filings.

United States
Country of record
US
Jurisdiction
2022129
SEC CIK
2024
Incorporated
Similar companies

Nearest neighbours across the whole database — matched on sector, stage and capital scale, and on shared operators (officers or directors named at both companies in public filings). A discovery shortlist, not a valuation cohort — verify before acting, the same way modeled figures are directional.

CompanySectorStageRaised · realValue · estWhy similar
Canter Wealth Holdco, LLCFintechSeed$1.8M$4.8Msame sector · same stage
Daisy Pay IncFintechSeed$1.6M$8.0Msame sector · same stage
Breakout Trading Group LLCFintechSeed$2.0M$9.9Msame sector · same stage
AccrueFintechSeed$1.6M$6.0Msame sector · same stage
BujetiFintechSeed$2.0M$13.3Msame sector · same stage
Equity Lending Solutions LLCFintechSeed$2.0M$11.9Msame sector · same stage
KlashaFintechSeed$2.0M$8.7Msame sector · same stage
Wealthfeed, Inc.FintechSeed$1.5M$10.0Msame sector · same stage
Semantically similar

Matched by meaning, not labels — a local language model reads each company's name, sector and description and ranks the closest in that learned space. This catches look-alikes that cross sector boundaries; the structured list above explains its matches, this one trusts the text. Directional, like every modeled signal here.

CompanySectorStageValue · estMatch
Pay-i IncFintechSeed$18.0M90%
PayAll Payment Systems, Inc.FintechSeries B$241.1M87%
Daisy Pay IncFintechSeed$8.0M86%
Revio Pay IncFintechSeries A$33.0M86%
Glint Pay LtdFintechSeries A$3.0M85%
Paymo, Inc.Other TechnologySeed$17.5M85%
PayRecs Inc.Other TechnologySeed$11.9M84%
Circuit Pay, Inc.FintechPre-Seed$731K84%
Frequently asked
How much funding has Paylo Pay Ltd raised?
Paylo Pay Ltd has raised approximately $1.8M in disclosed capital across 1 recorded financing round, aggregated from public filings.
What is Paylo Pay Ltd's estimated valuation?
Provath's modeled valuation for Paylo Pay Ltd is approximately $9.7M (modeled range $1.5M–$26.9M). This is an algorithmic estimate derived from round sizes and same-niche peers — not a quoted or reported figure.
What funding stage is Paylo Pay Ltd at?
Paylo Pay Ltd's latest modeled financing stage is Seed. Its most recent recorded round closed around Fri May 03.
What does Paylo Pay Ltd do and where is it based?
Paylo Pay Ltd operates in the Fintech sector, based in LONDON.
Explore related

See where Paylo Pay Ltd sits in the wider market — its sector, location and stage cohorts, each with their own leaderboards and capital-flow timelines.

Is this your company?

If you work at Paylo Pay Ltd, claim this profile or suggest a correction. We aggregate from public filings, so help us keep your description, website and links accurate.

Is this your company? Update your profile or add contact details — and choose exactly who can reach you. Reviewed before anything is published.