Getting financed
Your support base is
already your balance sheet.
Clubs sit on decades of verified membership and highly predictable matchday revenue. Twelve turns that into capital through documented, regulated instruments - not tokens, not dilution by default.
Whitelabel · Onboarding
Flow
Flow is the fastest way for a club to get funded. It is optimised for completion, carries your crest end to end, and handles bank selection, strong authentication, KYC and settlement without a single form your supporters have to print.
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MY TEAM FAN BONDS
Invest in
My Team
Fan Bonds
from €100
Support the club you believe in through a new, regulated way to invest.
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welcomeStep 1/6 · Welcome.Whitelabelled to the club's crest and colours before a supporter taps anything.
The process
From first model to funds cleared.
Four steps, one system of record - scroll the story.
Assess
We model tenure, renewals and matchday cashflow into a financeable base.
Verified membership is real collateral. We size it from your own ledger.
Multi-season renewal rates show how predictable the base really is.
Ticketing, hospitality and kiosk revenue are modelled before anyone signs.
Structure
A documented instrument with named holders and a defined maturity.
Every holder is known and verified. No anonymous secondary market.
Transfer is restricted by design, which keeps the instrument conventional.
A documented term, return and end date. The shape a bank already knows.
Onboard
Members subscribe through a whitelabel flow carrying your crest, not ours.
The flow carries your crest and colours. Twelve stays behind the scenes.
Identity, suitability and signature happen on a phone in one sitting.
Weeks of paperwork finish before the supporter leaves the concourse.
Settle
Funds clear through regulated rails, with KYC, AML and suitability evidence retained on your behalf.
Funds clear through regulated rails, arranged as a separate, opt-in mandate.
Identity, source of funds and suitability evidence are retained for you.
Every subscription leaves an audit-ready record for regulators and leagues.
How it compares
Bank facility, fan token, or a documented instrument.
| Criterion | Status quo vendor | Fan tokens | Twelve |
|---|---|---|---|
| Instrument | Bank facility or private placement, negotiated case by case. | A token with no defined maturity or holder register. | Conventional documented instrument: identified holders, transfer restrictions, defined maturity. |
| Who can participate | Institutions only; members are not part of the raise. | Anyone with an exchange account, including outside the fanbase. | Verified members and investors, onboarded under KYC and suitability checks. |
| Onboarding experience | Weeks of paperwork and manual review. | Fast, but unsupervised and unsuitable for most supporters. | Whitelabel mobile flow carrying your crest, finished in minutes. |
| Regulatory posture | Handled by the club's own advisers, at the club's cost. | Contested - complaints, censured advertising, supporter backlash. | Ring-fenced regulated activity, evidence retained on the club's behalf. |
| Link to fan-facing products | None. | Blurred - fans are marketed an investment as engagement. | Separate and opt-in. Never triggered from loyalty or ticketing activity. |
What a board, an auditor and a supporters' trust each need to see.
Instrument
- Status quo vendor
- Bank facility or private placement, negotiated case by case.
- Fan tokens
- A token with no defined maturity or holder register.
- Twelve
- Conventional documented instrument: identified holders, transfer restrictions, defined maturity.
Who can participate
- Status quo vendor
- Institutions only; members are not part of the raise.
- Fan tokens
- Anyone with an exchange account, including outside the fanbase.
- Twelve
- Verified members and investors, onboarded under KYC and suitability checks.
Onboarding experience
- Status quo vendor
- Weeks of paperwork and manual review.
- Fan tokens
- Fast, but unsupervised and unsuitable for most supporters.
- Twelve
- Whitelabel mobile flow carrying your crest, finished in minutes.
Regulatory posture
- Status quo vendor
- Handled by the club's own advisers, at the club's cost.
- Fan tokens
- Contested - complaints, censured advertising, supporter backlash.
- Twelve
- Ring-fenced regulated activity, evidence retained on the club's behalf.
Link to fan-facing products
- Status quo vendor
- None.
- Fan tokens
- Blurred - fans are marketed an investment as engagement.
- Twelve
- Separate and opt-in. Never triggered from loyalty or ticketing activity.
Is your club a fit?
What we look at before we structure anything.
We would rather tell you no in week one than in month six. The first assessment is free and takes about two weeks.
Readiness score
0/100
Membership depth
Weight 30%Size, tenure distribution and renewal behaviour of your member base.
88Matchday predictability
Weight 30%Season-ticket coverage, attendance stability and pricing headroom.
76Governance
Weight 25%Ownership structure, board mandate and any league or federation constraints.
64Existing obligations
Weight 15%Current debt, securitised revenue and covenants already in place.
52
Get started
Ready to run your next season smarter?
Talk to our club team. We will map your current ticketing, loyalty and financing setup and show you the migration path.
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