For UK Limited Companies & SME owner-operators

A modern treasury for your UK Limited Company — built to compound.

An innovative UK practice helping contractors and owner-operators build a deliberate, modern treasury inside their Ltd company — using instruments your accountant doesn't talk about. Plainly explained. Independently run.

Independent UK-based No managed accounts Founded 2022

Ways to start.

Four ways to test the practice. One way to commit. Pick where you want to start.

Try us — four ways in
Long-form PDF · Free
Free

The reader's guide

A 70-page PDF that lays out the four-pillar treasury approach in plain English. Read it. Decide for yourself. No call required.

Get the guide
Public · Free
Free

How I think, in public

A personal portfolio I run publicly on eToro — a window into how I size positions and think about risk. Not the practice's product; just my own thinking on display.

View on eToro
Fixed fee · 2 weeks
£495 one-off

The starter package

A 90-minute working session, a tailored treasury model, a custody recommendation, and a follow-up call. You leave owning the work.

Request the starter
When you're ready — go deeper
Monthly retainer · Capacity-limited

Treasury operations.

An ongoing partnership for owner-operators serious about building and maintaining a defensible Ltd company treasury. We don't just set it up — we keep it sharp as conditions change, drawdowns happen, and opportunities open up.

  • Quarterly treasury reviews
  • Ongoing monitoring & rebalancing
  • Tax-year planning (CT, AIA)
  • Annual policy refresh
  • Direct channel for questions
  • 3–6 active clients, max
By introduction Pricing on request · Application required
Apply for an introduction

Read the reader's guide.

A 70-page PDF that lays out the four-pillar treasury approach in plain English — the problem, the structure, the worked example, and the common mistakes. Free. Read it before you book a call, or instead of one.

Get the guide · PDF

One step, then it's yours.

An email so we can send the PDF and the occasional thoughtful update — no spam, no high-volume marketing. Unsubscribe whenever. Genuine.

Optional. Useful for tailoring any future updates to what you actually want to hear about.

By submitting, you agree to receive the guide and occasional related emails from Ltd Capital. We don't share your email with anyone.

The four pillars of a Ltd company treasury.

Four deliberate, separately-sized positions. No single instrument. No big bets. Sized to survive a 70% drawdown and compound for a decade.

01 · The foundation

Treasury discipline

A written reserves policy, a stability cushion of yield and commodities, custody design that doesn't leave a single point of failure.

02 · The income

Yield sleeve

A dividend-paying preferred-stock position that delivers reliable monthly cash income. Regulated, stress-tested, unglamorous.

03 · The reserve

Bitcoin reserve

A deliberate allocation to Bitcoin held in cold custody. Sized to survive a 70% drawdown without forcing a sale.

04 · The upgrade

Productive hard-asset

A small, tax-deductible hardware operation that produces hard-money income daily. Real machines, hosted at industrial sites.

What it looks like over time.

Two illustrative views — how a Ltd Capital treasury compounds, and how we'd typically structure the balance sheet underneath. Modelled, not a track record.

Illustrative · 8-year composite growth

A treasury that compounds.

What a deliberately-structured Ltd company treasury can look like over time — vs the same money left in a 3.5% savings account, eroded by inflation.

Compounding treasury Savings, after inflation REAL VALUE · ILLUSTRATIVE Year 0 Year 8
Ltd Capital treasury Cash savings (real terms)
Illustrative · Treasury allocation

How we'd structure the balance sheet.

A typical breakdown for a Ltd company treasury we'd help build — sized to survive drawdowns, sleeves stress-tested, runway intact.

Yield sleeve · monthly cash25%
Hard-money reserve · cold custody20%
Productive hardware · capital asset20%
Systematic strategies · live float15%
Precious metals · optionality12%
Operating cash · 8wk runway8%
Runway
8 wk
Income streams
5+
Drawdown survives
70%

⌁  Illustrative figures, not a forecast or track record. Actual allocations are tailored to each client's runway, risk tolerance, and time horizon.

What we're not.

Two briefs we'll say no to on the introductory call. Better to find out now than three months in.

×

We don't manage your money

Not regulated for discretionary management. You hold the keys, sign the trades, own the outcomes. We help you build the system, not run it for you.

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We don't chase trends

Bitcoin-centric on purpose. Not interested in the next altcoin, the next token launch, or whatever's trending. If that's what you want, we're not your people.

One operator. Own books.

I'm Matt. Twenty years inside software organisations as a delivery consultant. The last several quietly building out the same modern treasury strategy I now write about here — under my own Ltd company, on my own books. The practice is supported by in-house AI modelling and Monte Carlo simulation tools I've built specifically for treasury and forecasting work.

I'm not a regulated financial advisor. I'm an operator who got tired of watching capable owner-operators leave their company cash earning nothing because their accountant didn't have a view and their bank didn't care.

Founded 2022 London, UK Independent practice

Half an hour.
See if it's a fit.

A short call, no preparation, no pitch. If we're not the right shape for what you need, we'll say so — and likely point you somewhere better.