Fund the future
of your club.
Supporter financing built for football.
Raise capital through a compliant investment offering designed for your supporters—without relying solely on banks or traditional investors.
One club. One community. One opportunity.
White-labelled onboarding
Flow
One journey from
supporter to investor.
Flow is a fully white-labelled onboarding experience built around your club. From registration to investment, every step carries your identity while Twelve manages the compliance process behind the scenes.
- Club-branded experience
- Mobile-first onboarding
- KYC & identity verification
- Secure payment & settlement
Step 1/6 · Welcome.Whitelabelled to the club's crest and colours before a supporter taps anything.
The process
From club assessment to funds received.
Four clear steps. One compliant journey.
Assess
Understand your club's financing potential.
Assess the size, tenure and engagement of your supporter base.
Understand the predictability of recurring supporter revenue.
Model the strength and consistency of club cashflows.
The right structure starts with the right assessment.
Structure
Design a financing solution around your club's objectives.
Clear terms, rights and obligations from the beginning.
Every participant is verified and recorded.
A clear investment period and repayment structure.
Clear terms. Identified holders. Defined outcomes.
Launch
Give supporters a seamless experience under your club's identity.
Your crest, colours and communication throughout.
Supporters complete onboarding from their phone.
A simple journey from registration to participation.
Your club at the front. Twelve behind the scenes.
Settle
Receive funds through compliant financial infrastructure.
Payments and settlement managed through documented processes.
Identity and compliance evidence retained throughout.
Clear records for your club, advisers and auditors.
Compliant. Documented. Audit-ready.
One data record
One data record
for every fan.
Investment participation joins the same supporter record as tickets and membership, so the club sees the person who invests, attends and renews as one supporter.
An investor who attends every home match is a verifiable data point, not an assumption. Verified identity, verified attendance, one record.
Know your investors
Verified onboarding links each participant to their supporter history.
Clearer value
Understand the full contribution of a supporter across matchday and capital.
Better targeting
Reach the supporters most likely to back the club, based on real engagement.
How it compares
A different approach
to supporter financing.
A clearer alternative to traditional financing and speculative fan products.
| Criterion | Traditional financing | Fan tokens | Twelve |
|---|---|---|---|
| Who participates | Primarily banks, institutions and private investors. | Anyone with access to an exchange. | Verified supporters and investors completing compliant onboarding. |
| What is offered | A bank facility or privately negotiated investment. | A tradable digital asset with a market price. | A documented financial instrument with defined terms. |
| Onboarding | Manual paperwork and lengthy review. | Exchange registration disconnected from the club. | A club-branded mobile experience completed through one journey. |
| Compliance | Legal and compliance work coordinated separately by the club. | Speculative exposure and limited connection to club financing objectives. | Compliance-first onboarding, documented processes and audit-ready records. |
Four things every board asks before financing anything.
Who participates
- Traditional financing
- Primarily banks, institutions and private investors.
- Fan tokens
- Anyone with access to an exchange.
- Twelve
- Verified supporters and investors completing compliant onboarding.
What is offered
- Traditional financing
- A bank facility or privately negotiated investment.
- Fan tokens
- A tradable digital asset with a market price.
- Twelve
- A documented financial instrument with defined terms.
Onboarding
- Traditional financing
- Manual paperwork and lengthy review.
- Fan tokens
- Exchange registration disconnected from the club.
- Twelve
- A club-branded mobile experience completed through one journey.
Compliance
- Traditional financing
- Legal and compliance work coordinated separately by the club.
- Fan tokens
- Speculative exposure and limited connection to club financing objectives.
- Twelve
- Compliance-first onboarding, documented processes and audit-ready records.
Is your club ready?
Start with
a clear assessment.
Every club is different. Before structuring anything, we assess whether supporter financing is the right fit for your objectives. The initial assessment is free and typically completed within two weeks.
Membership profile
Size, tenure and composition of your supporter base.
Revenue predictability
Season-ticket coverage, renewals and matchday consistency.
Supporter engagement
How actively your community participates across the season.
Financing objectives
What the club wants to fund, and over which horizon.
Free assessment · 2 weeks
The one sentence
One club. One community. One opportunity.
Four clear steps. One compliant journey.
Book a 20-minute demo
Get started
READY TO FINANCE YOUR NEXT CHAPTER?
We'll assess your current position, identify the right structure and map the journey from idea to funding.
Newsletter
Matchday intelligence.
Once a month.
One sharp monthly briefing on ticketing, loyalty, fan engagement and supporter financing. No noise. Just ideas clubs can use.