Information Memorandum
Unsecured Loan Note Programme — CM Beyer Limited. Fixed annual rates of 3.0–7.0%, terms from three months to ten years, open to qualifying investors from £1,000.
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong.
This financial promotion has not been approved by an authorised person within the meaning of FSMA 2000Financial Services and Markets Act 2000 — the primary UK legislation regulating financial services, markets, and financial promotions.. Reliance on it for the purpose of engaging in any investment activity may expose an individual to a significant risk of losing all property or assets invested. CM Beyer Limited is not authorised or regulated by the Financial Conduct Authority. Investors will not have access to the Financial Ombudsman ServiceFree independent UK dispute-resolution service for consumers of FCA-regulated financial services. Not available for unregulated firms. or the Financial Services Compensation SchemeUK statutory investor-compensation scheme. Pays compensation when authorised financial firms fail. Does not cover unregulated investments.. This document is not investment advice — seek independent financial and legal advice before investing.
01Executive Summary
The opportunity, the issuer, and the terms — at a glance.
CM Beyer Limited (the “Company”) is a UK-incorporated marketing, advertising, and business management consultancy with a measurable track record since incorporation in February 2025. The Company is raising capital through unsecured loan notesA loan note is an IOU issued by a company. “Unsecured” means no charge over the Company’s assets backs it — in insolvency, holders rank behind secured creditors. available to qualifying investors under exemptions in the Financial Promotion Order 2005FSMA 2000 (Financial Promotion) Order 2005. Sets out the exemptions that let companies communicate financial promotions without prior FCA approval, including to High Net Worth and Sophisticated Investors..
The Company has been profitable from the start, has declared a series of dividends from distributable profits, operates with a capital-light services model, and delivers consistently strong client outcomes (2.7x average ROIReturn on Investment — the financial benefit a client receives as a multiple of the fees they paid. 2.7x means £1 of fees generated £2.70 in measurable client benefit., 89% retention, NPSNet Promoter Score — a 0–100 measure of client loyalty. The UK consulting industry average is around 42, and a score above 70 is exceptional. of 72). Proceeds from the loan note programme will fund working capital, service-line expansion, technology and AI integration, and growth of the Australian subsidiary.
Investment highlights
- Fixed annual rates of 3.0% to 7.0%, set at subscription and held for the full term.
- Seven term options from 3 months to 10 years to match different investor horizons.
- Quarterly interest in arrears on all terms of 12 months and above.
- Profitable from the start with £336+ in dividends already declared.
- 18 client engagements delivered with 94% on-time delivery and an NPS of 72.
- Capital-light services model with no inventory, manufacturing, or large fixed assets.
- Transparent governance: published Articles, dividend history, ESG commitments, and Schedule of Charges.
Key terms summary
| Feature | Detail |
|---|---|
| Issuer | CM Beyer Limited (Company No. 17009212) |
| Instrument | Unsecured Loan Note |
| Minimum subscription | £1,000 (£2,500 for 5yr; £5,000 for 10yr) |
| Available terms | 3, 6, 12 months; 2, 3, 5, 10 years |
| Coupon | 3.0% – 7.0% p.a. (fixed, tiered by term) |
| Interest schedule | On maturity (≤6 months) or quarterly in arrears (12 months+) |
| Security | Unsecured — no charge over Company assets |
| Eligibility | HNW (FPO Art. 48) or Sophisticated (FPO Art. 50A) only |
| Use of proceeds | Working capital, growth, service expansion, technology |
| Governing law | England and Wales |
02Business Overview
What the Company does and how it operates.
2.1 The Company
CM Beyer Limited was incorporated on 7 February 2025 as a private company limited by shares, with registered office at Suite 53C Unimix House, Abbey Road, London NW10 7TR. The Company holds UK Trade Mark UK00004349102 in Classes 35 (advertising, business management) and 36 (financial and consultancy services), is VAT-registered (GB 515 2896 78), and is fully compliant with HMRC Making Tax Digital requirements.
Lloyds Bank provides the Company’s banking. The Company runs its operating infrastructure on enterprise-grade systems: IONOS for hosting and EU data residency, Anthropic’s Claude for AI-assisted workflows, Semrush for marketing intelligence and competitive analysis, and DocuSign for legally binding document execution. This stack supports a small, expert delivery team without the fixed-cost overhead of traditional consultancies.
2.2 Ownership and governance
The Company has issued 100 ordinary shares at £100 each (£10,000 paid-up share capital). Sole director and member is Daniel Hunter. The Company operates under bespoke Articles of Association with a formal Director’s ResolutionA formal written decision made by the Director. In a single-director company this replaces board meetings. Each resolution carries a number and a date and stays on file for at least ten years. framework: the Director records every material decision in a numbered, dated resolution and retains it for at least ten years. This audit trail underpins the Company’s published Corporate Governance framework.
2.3 Service divisions
The Company organises operations into four divisions, each with a defined remit, method, and measurable outcomes:
CMB Insight Strategy
Marketing strategy, market research, SEO, campaign planning, KPI frameworks, and outcome reporting. Engages on retainer or fixed-fee strategic projects.
CMB Amplify Advertising
Creative, media planning, and buying across Google, Meta, and LinkedIn, plus CAP/BCAP compliance review. Manages live campaign budgets on behalf of clients.
CMB Core Consulting
Business management consulting: operational reviews, financial planning, restructuring support, governance, and process design for SME clients.
Direct Sales Field
D2C and B2B direct sales programmes: territory planning, sales force training, scripting, compliance, and performance management.
2.4 Revenue model
Revenue comes from four channels:
- fixed-price project fees
- monthly retained advisory retainers (the largest recurring-revenue component)
- campaign management fees on advertising media spend
- sales programme management fees for Direct Sales engagements
All pricing follows the published Schedule of Charges, which lists 500+ line items across 14 categories — every client engagement maps to published rates, eliminating opaque hourly billing.
2.5 Performance (FY2025/26)
| Metric | CM Beyer | Industry benchmark |
|---|---|---|
| Engagements delivered | 18 | — |
| Average client ROI | 2.7x | ~2.1x |
| Client retention | 89% | ~70% |
| Net Promoter Score | 72 | ~42 |
| Client revenue generated | ~£1.34m | — |
| On-time delivery | 94% | — |
Industry benchmarks drawn from MCA UK Consulting Industry Report 2025 and Bain & Co. NPS benchmarks. CM Beyer figures are management figures for the period to the month-end before issue.
2.6 International operations
CM Beyer Australia Pty Ltd (ACN 694 721 992), at Suite 1146, Unit 5, 7 Eden Park Drive, Macquarie Park NSW 2113, operates as an independent entity under Australian law, sharing the CM Beyer brand and methods. The Australian operation extends the Company’s geographic reach without exposing UK creditors to Australian trading risk. The two entities are legally separate, though shared IP and operating standards preserve service consistency.
2.7 Regulatory and compliance framework
The Company operates within a comprehensive UK compliance perimeter:
- marketing and advertising work under the CAP and BCAP CodesUK Code of Non-broadcast Advertising and Direct & Promotional Marketing (CAP) and UK Code of Broadcast Advertising (BCAP). Enforced by the Advertising Standards Authority.
- data handling under UK GDPRUK General Data Protection Regulation — the retained-EU-law version of the GDPR that governs personal data processing in the UK, alongside the Data Protection Act 2018., the Data Protection Act 2018, and PECR 2003
- consumer-facing programmes under the Consumer Rights Act 2015 and Consumer Contracts Regulations 2013
- employment matters under the Employment Rights Act 1996, Equality Act 2010, and National Minimum Wage Act 1998
Further applicable regimes include the Bribery Act 2010, the Online Safety Act 2023, and the Companies Act 2006.
03Market Analysis
The size of the opportunity and the Company’s position within it.
3.1 The UK consulting market
The UK management consulting market is worth approximately £18 billion (Management Consultancies Association, 2025). Growth runs at high single digits, driven by structural demand: digital transformation, regulatory complexity, AI integration, and the persistent need for SMEs to access strategic capability they cannot afford to hire in-house.
3.2 Addressable segment
CM Beyer’s target market is UK SMEs with annual turnover between £500,000 and £50 million . These businesses are too large for freelance support, yet too small for Big Four or top-tier consulting firms to serve economically. This segment is consistently underserved: large firms price these clients out of meaningful engagements, while freelancers lack the breadth of capability to deliver integrated marketing, advertising, and management work. CM Beyer sits precisely in this gap.
3.3 Differentiation
3.4 Growth strategy
- Retained client acquisition — expanding the monthly recurring revenue base, which lowers earnings volatility and improves loan-note debt service coverage.
- Direct sales expansion — the highest-margin, most scalable division, with significant room to grow through programme replication.
- Digital services deepening — extending SEO, performance media, and programmatic capability where unit economics are strongest.
- Australian subsidiary growth — building on shared brand and methods in a market with comparable demand dynamics and favourable regulatory parity.
- Thought leadership — published research (Client Impact Report, UK Direct Sales Report, Marketing Benchmarks UK) drives inbound enquiry and lowers client acquisition cost.
3.5 Why now
Three concurrent shifts in the SME consulting market support the timing of this capital raise. (i) SME marketing budgets are migrating from in-house teams to outsourced specialists as fixed-cost discipline tightens. (ii) AI tools have collapsed the cost of high-quality strategic and creative output, advantaging operators with the systems to use them at scale. (iii) Regulatory complexity (advertising standards, data protection, online safety) increasingly requires specialist compliance capability that mid-market clients cannot self-source.
04Financial Information
Trading, dividends, use of proceeds, and debt service.
4.1 Trading history
The Company commenced trading in February 2025 and generated revenue from its first month of operation. It has been profitable in every reported period and has declared and paid a series of dividends from distributable reservesA company’s accumulated realised profits minus accumulated realised losses, as defined in Part 23 of the Companies Act 2006. A company may pay dividends only out of these reserves — never out of capital. under Companies Act 2006 Part 23. Because the operating model is capital-light — no inventory, no manufacturing, no significant fixed assets — the majority of revenue converts to gross profit. This supports strong operating margins and disciplined working-capital management. The Company files statutory accounts at Companies House within statutory deadlines, and they are publicly accessible.
4.2 Dividend track record
The Company has declared the following dividends to date, each authorised by Director’s Resolution following confirmation of distributable profits:
| Reference | Per share | Total declared | Date paid |
|---|---|---|---|
| FY2026/01 Interim Dividend | £0.05 | £5.00 | 9 Mar 2026 |
| FY2026/02 | £0.2338 | £23.38 | 3 Apr 2026 |
| FY2026/03 | £3.0776 | £307.76 | 25 Apr 2026 |
| Cumulative total | — | £336.14 | 3 distributions |
Each distribution declared by Director’s Resolution under Companies Act 2006 Part 23, supported by interim management accounts confirming sufficient distributable profits. Full record at cmbeyer.co.uk/dividend-history/.
4.3 Use of proceeds
The Company will apply subscription proceeds to the following purposes, in proportions management determines consistent with prudent capital deployment:
- Working capital for client delivery, supporting the lag between project commencement and milestone billing.
- Service-line expansion into adjacent verticals and further geographies with proven demand.
- Technology and AI infrastructure — extending the operating stack to support higher engagement volume without proportionate cost growth.
- Marketing, business development, and client acquisition — particularly inbound lead generation and thought leadership programmes.
- Australian subsidiary operations — funding the local working capital and growth investment required to scale the Australian entity.
4.4 Debt service coverage
Loan note interest in the range of 3.0% to 7.0% per annum is modest relative to project-level gross margin, providing a wide coverage cushion at the Company’s current trading level. Management monitors the Debt Service Coverage RatioDSCR — the ratio of operating cash flow available for debt service, divided by total debt service due (interest plus principal). A DSCR above 1.0 means cash flow exceeds obligations. (DSCR) on a rolling basis and exercises subscription discipline. The Company will decline further subscriptions if accepting them would cause aggregate debt service to exceed the threshold at which serviceability becomes contingent on growth assumptions rather than current trading. This is a deliberate constraint on programme size designed to protect existing noteholders.
4.5 Capital structure
05Loan Note Terms
Rates, returns, and the contractual structure of the instrument.
5.1 Rate schedule
| Term | Rate p.a. | Interest payment | Minimum |
|---|---|---|---|
| 3 months | 3.00% | On maturity | £1,000 |
| 6 months | 3.75% | On maturity | £1,000 |
| 12 months | 4.50% | Quarterly in arrears | £1,000 |
| 2 years | 5.00% | Quarterly in arrears | £1,000 |
| 3 years | 5.50% | Quarterly in arrears | £1,000 |
| 5 years | 6.25% | Quarterly in arrears | £2,500 |
| 10 years | 7.00% | Quarterly in arrears | £5,000 |
Rates indicative and fixed at the date of subscription. The Company may amend the rate schedule for future subscriptions. Existing notes keep their subscribed rate.
5.2 Illustrative returns
The figures below illustrate gross interest at the stated rate, before any applicable tax. Investors are responsible for declaring interest to HMRC; see 5.3 Tax below.
| Principal | Term | Rate | Total interest | Total return |
|---|---|---|---|---|
| £1,000 | 12 months | 4.50% | £45 | £1,045 |
| £5,000 | 3 years | 5.50% | £825 | £5,825 |
| £10,000 | 5 years | 6.25% | £3,125 | £13,125 |
| £25,000 | 10 years | 7.00% | £17,500 | £42,500 |
5.3 Detailed terms
- non-payment of interest or principal more than 30 days overdue
- presentation of a winding-up petition that is not discharged within a reasonable period
- cessation of the Company’s business
06Risk Factors
Material risks every prospective investor must consider. This list is not exhaustive.
You should not invest in these loan notes unless you understand and are prepared to accept all the risks below. The risks listed are material but not exhaustive. Investors should seek independent professional advice.
01Capital loss
The loan notes are unsecured. In the event of the Company’s insolvency, noteholders rank behind secured creditors and HMRC preferential claims. You may lose some or all of the capital you invest.
02Liquidity risk
The loan notes are not listed on any exchange, and you cannot trade them. Your capital stays committed for the full term, subject only to the discretionary early-redemption mechanism described in section 5.3.
03No FSCS protection
This investment is not covered by the Financial Services Compensation Scheme. You will have no recourse to the FSCS if the Company fails to meet its obligations.
04No FCA regulation
CM Beyer Limited is not authorised or regulated by the Financial Conduct Authority. You will not have access to the Financial Ombudsman Service for disputes relating to this investment.
05Business performance
Repayment of principal and payment of interest depend on the Company’s ability to generate sufficient operating cash flow. Past performance is not a reliable indicator of future results.
06Concentration risk
Holding a single unsecured loan note carries high concentration risk. Investors should consider this investment only as part of a diversified portfolio suited to their risk tolerance.
07Early-stage company
The Company was incorporated in February 2025. While profitable from the start, it has a limited trading history and limited financial reporting cycles relative to established issuers.
08Key person risk
The Company has a sole director who is also the sole shareholder. The loss, incapacity, or unavailability of Daniel Hunter could materially impact operations and the ability to service debt obligations.
09Regulatory and tax risk
Changes to UK tax, company, or financial services legislation could affect the terms of the loan notes, the after-tax return, or the viability of the programme. So could changes to the regulatory perimeter applicable to financial promotions.
10Interest rate risk
Rates are fixed at the date of subscription. If market interest rates rise during the holding period, the relative value of your fixed-rate position will decline. You will be unable to exit and reinvest at higher prevailing rates.
07Legal and Regulatory
The legal basis of this offer and the process for participation.
7.1 Financial promotion regime
This document is a financial promotion within the meaning of section 21 of the Financial Services and Markets Act 2000 (FSMA). The promotion is communicated in reliance on exemptions contained in the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (“FPO”). It is directed only at, and may only be acted upon by, persons falling within the following categories:
- member of a business angel network for at least 6 months
- made 2+ investments in unlisted companies in the previous 2 years
- worked in private equity or in SME finance in the previous 2 years
- director of a company with annual turnover of at least £1 million in the previous 2 years
7.2 Regulatory status
CM Beyer Limited is not authorised by the Financial Conduct Authority. The Company does not carry on any regulated activity within the meaning of FSMA. The Company has not applied for FCA authorisation and does not presently plan to. The issuance of loan notes by a company to fund its own business is not, of itself, a regulated activity.
7.3 Subscription process
- Self-certify your investor status. Complete the HNW or Sophisticated Investor self-certification at cmbeyer.co.uk/investor/.
- Submit an Expression of Interest. Provide your preferred term and indicative amount. The EOI is non-binding on both sides.
- Review by the Company. CM Beyer will review your EOI and contact you within 2 business days to confirm next steps or request further information.
- Receive the formal documents. The Company will issue the Loan Note Instrument and the Subscription Agreement for your review.
- Independent advice. Take the time to read the documents and get independent financial and legal advice before signing.
- Sign and fund. Sign the Subscription Agreement (DocuSign) and transfer subscription monies to the Company’s designated account.
- Receive your certificate. Once funds clear, the Company will issue a Loan Note Certificate evidencing your holding.
7.4 Anti-money laundering
The Company conducts customer due diligence under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (“MLR 2017”). The Company may ask investors to provide proof of identity, proof of address, and evidence of source of funds. It may delay or decline subscriptions pending satisfactory completion of these checks.
7.5 Data protection
The Company processes personal data submitted in connection with this offer under the UK GDPR and the Data Protection Act 2018. The Company’s full Privacy Policy sets out the lawful bases for processing, retention periods, and your rights as a data subject. Data protection enquiries: privacy@cmbeyer.co.uk.
7.6 Complaints
Address complaints relating to this investment to compliance@cmbeyer.co.uk. The Company will acknowledge complaints within 2 business days and aim to provide a substantive response within 15 business days. Because the Company is not FCA-regulated, the Financial Ombudsman Service is not available for this investment.
7.7 Governing law
The laws of England and Wales govern the Loan Note Instrument and the Subscription Agreement. The courts of England and Wales have exclusive jurisdiction over any dispute arising in connection with them.
08Company Information
Statutory details and supporting documents.
| Field | Detail |
|---|---|
| Registered name | CM Beyer Limited |
| Company number | 17009212 |
| Date of incorporation | 7 February 2025 |
| Registered office | Suite 53C Unimix House, Abbey Road, London NW10 7TR |
| Jurisdiction | England and Wales |
| Sole director | Daniel Hunter |
| VAT registration | GB 515 2896 78 |
| UK trade mark | UK00004349102 (Classes 35 & 36) |
| Issued share capital | 100 ordinary shares of £100 each (£10,000 paid up) |
| Australian subsidiary | CM Beyer Australia Pty Ltd (ACN 694 721 992) |
| Principal banker | Lloyds Bank |
| Website | cmbeyer.co.uk |
| Investor relations | investor@cmbeyer.co.uk |
| Companies House | View public filings |
8.1 Supporting documents online
| Document | Location |
|---|---|
| Loan Notes Portal | cmbeyer.co.uk/investor/ |
| Dividend History | cmbeyer.co.uk/dividend-history/ |
| Schedule of Charges | cmbeyer.co.uk/schedule-of-charges/ |
| Corporate Governance | cmbeyer.co.uk/corporate-governance/ |
| Articles of Association | cmbeyer.co.uk/articles-of-association/ |
| ESG Commitments | cmbeyer.co.uk/esg/ |
| Privacy Policy | cmbeyer.co.uk/privacy-policy/ |
| Support / Knowledge Base | cmbeyer.co.uk/support/ |
09How to Invest
Next steps for qualifying investors who wish to proceed.
Read this Information Memorandum in full, consider the risk factors, and take independent advice where appropriate. If participation in the programme fits your personal circumstances and investment objectives, the next step is to self-certify your status and submit a non-binding Expression of Interest.
Ready to take the next step?
Self-certify and submit an Expression of Interest on the Investor Portal. You commit to nothing at this stage — the EOI is non-binding for both parties.
Document control. This Information Memorandum is dated May 2026 and supersedes all prior versions. The Company may amend or withdraw it without notice. No person is authorised to give any information, or to make any representations, in connection with the loan note programme other than as contained in this document. Any such information or representation must not be relied upon as having been authorised by the Company.
Confidentiality. This document is confidential and is provided for the sole use of the intended recipient. It must not be distributed, reproduced, or disclosed, in whole or in part, to any other person without the prior written consent of the Company.
Jurisdiction. This document is directed only at persons in the United Kingdom who fall within the categories set out in section 7.1. It is not directed at, and must not be acted upon by, persons in any other jurisdiction where to do so would contravene applicable law.
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