Your raised capital should be earning.
Earn around 3.44%* net on GBP through BlackRock government funds. Same-day access**. Runs inside your Seapoint account. One login, one dashboard, one view of everything.
*Rates are indicative and subject to change. Treasury is an investment product, not a deposit. Capital at risk.
Europe's most ambitious startups are already on Seapoint
Idle capital is runway you're burning.
A startup with £1.5M in a typical business current account collects zero interest on its cash. At ~3.44%* in a money market fund, that same balance earns £50,000+ a year. Every year the cash is there to work with.
Typical current account
0%
£0/year on £1.5M
Seapoint Treasury
~3.44%
~£51,600/year on £1.5M
Annual difference on £1.5M
£50,000+
That’s 4.4 months of additional runway over a 30-month funding cycle
*Rates are indicative and subject to change. Treasury is an investment product, not a deposit. Capital at risk.
UK gilts. BlackRock-managed. AAA-rated.
BlackRock, the world's largest asset manager, runs the fund. Your capital sits in AAA-rated, short-term UK government debt. Institutional-grade treasury, integrated into your Seapoint account.
UK government securities
UK gilts through BlackRock's ICS Sterling Government Liquidity Fund. Backed by government credit, so your exposure sits with the UK treasury, not with any single financial institution.
Segregated in your name
Held in segregated accounts in your company's name, legally separate from Seapoint's corporate funds. Your assets stay protected and recoverable whatever happens to Seapoint.
Same-day** GBP liquidity
Withdraw same-day for GBP, whenever operations need it. Capital stays ready to move every business day, in full, at your instruction.
Activate in 10 minutes. No separate apps.
Treasury is built into your Seapoint account. No separate platform, no extra onboarding.
Already verified.
Your Seapoint operating account already includes Treasury verification. No separate application, no second onboarding.
Deposit idle capital.
Move funds into Treasury with one click. Capital starts earning interest immediately.
Earn ~3.44%* daily.
Returns compound daily, visible in your dashboard alongside the rest of your finances.
Idle vs earning: the annual difference.
Net returns at today’s ~3.44%* GBP yield, compared to leaving the same balance in a typical business current account.
| Your balance | Monthly | Annual |
|---|---|---|
| £500K | £1,458 | £17,500 |
| £1.5M | £4,375 | £52,500 |
| £5M | £14,583 | £175,000 |
*Calculated at ~3.44% net of Seapoint’s 0.25% annual fund management charge. Same-day GBP access. Runs inside your Seapoint account. Treasury sits alongside banking, payroll, and bookkeeping in one view.
Liquid when you need it. Integrated where you work.
Deposit instantly. Withdraw same day.
Move capital in with one click. GBP withdrawals settle the same business day, in full, whenever operations need it.
Alongside everything else.
Treasury sits next to your banking, payroll, and bookkeeping. See your full cash position in one view. No separate platform to log into, no tool-switching.
What you see is what you earn.
Net yield shown up front. Our 0.25% fund management charge is already deducted. No monthly fee, no minimum balance, no lock-up.
“I switched to Seapoint because the rates were better. It was a no-brainer.”
Annie Gilchrist
Co-founder, Klara
“We raised some money and having the funds sitting in a bank account not doing anything is not very sensible. So firstly, the fact that it was a Treasury account that I could see from the Seapoint dashboard was a bonus. And it's a very good rate of interest currently, so very happy to have that there ticking away silently and readily accessible.”
Matt Roskill
Chief Commercial Officer, Inovara
Raised £1M? Earn up to £35k/year.
FCA-authorised partner
Seapoint Finance UK Investments Ltd (FRN: 1039246) is an appointed representative of WealthKernel Limited (FRN: 723719). WealthKernel is authorised and regulated by the Financial Conduct Authority.
Safeguarded & segregated
Treasury assets held in segregated accounts in your company's name, separate from Seapoint's and WealthKernel's corporate funds.
BlackRock AAA UCITS
AAA-rated, short-term UK government debt held through BlackRock's UCITS-registered liquidity funds. Institutional-grade fund governance.
Automate all your startup's finances from one dashboard.
Reporting & Cashflow
Finally see your real cash position. Watch cashflow move in real time across every account, with investor-ready reports one click away.
Explore Reporting & Cashflow
Payroll
Upload your BrightPay schedule. Review, approve, and pay your entire team from one screen. Same-day via Faster Payments.
Explore Payroll
Bookkeeping
AI categorises transactions, matches invoices across every inbox, and pushes everything to Xero ready for one-click reconciliation.
Explore BookkeepingWhat founders often ask us
Stop leaving £50k/year on the table.
10 minutes to activate. Same-day GBP access. Runs inside your Seapoint account. Included in your plan.
Seapoint Finance UK Investments Ltd (FRN: 1039246) is an appointed representative of Wealthkernel Limited (FRN: 723719), authorised and regulated by the Financial Conduct Authority.
Treasury is an investment product, not a deposit. Seapoint Treasury is considered low risk, but as with any investment your capital is at risk and your money can go down as well as up. Returns are not guaranteed. Rates are indicative and can change. Past performance is not a reliable indicator of future returns.
Your funds are held in segregated accounts, completely separate from Seapoint's and WealthKernel's corporate assets. Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS); funds are safeguarded in line with the Electronic Money Regulations 2011.
Tax treatment depends on individual circumstances and may be subject to change.
Available for UK-registered companies only. European availability is on our roadmap.
**Same-day liquidity applies to instructions received before 10AM UK time on a UK business day. Instructions received after this time, or on weekends and UK bank holidays, will be processed the next business day.