Case File 01
Before
Rejected by 6 banks. Runway: 4 weeks.
After
£480K on-chain in 72h. Kept 100% equity.
"I stopped begging. I started shipping."
Priya — beauty & cosmetics
Manifesto 001 // Filed against the old banks
Stop feeding
the banks.
Your future revenue belongs to you — not to lenders. Unlock growth capital by monetizing the value you've already created.
Scroll — the heist is unfolding
★ Zero dilution★ Founders keep control★ 100% on-chain★ Fund in hours★ No zombie bankers★ Usufruct tokenized★ Global capital★ Bureaucracy: extinct★ Zero dilution★ Founders keep control★ 100% on-chain★ Fund in hours★ No zombie bankers★ Usufruct tokenized★ Global capital★ Bureaucracy: extinct
Panel 01 // The Heist
// The Parasite System
They want your jam for breakfast.
Traditional banks are built on friction. They demand control, slow-walk approvals, and drown your vision in rotting paperwork. We don't lend. We don't own. We plug your revenue into a smart contract and let capital find you.
£1.2T
Stuck in bank queues
94%
SME loans rejected
217d
Avg. decision cycle
The flow of freedom
How Pass The Jam Works
From Intellectual Property to Growth Capital in Six Steps
Step 01
Connect Your Business
Securely connect your business to the Pass The Jam platform. Using our APIs and integrations, we analyse your financial data, intellectual property and business performance through the independent IF Score underwriting engine to assess the future revenue potential of your intangible assets.
Step 02
Structure Your IP Agreement
Based on the IF Score analysis, Pass The Jam structures an IP Usufruct Agreement. You retain full ownership of your intellectual property while transferring the economic rights to Pass The Jam. Those rights are immediately licensed back to your business, allowing you to continue operating exactly as before.
Step 03
Your IP Becomes a TOAST
The IP Usufruct Agreement is transformed into a TOAST — a programmable smart contract representing the future royalty stream generated by your intellectual property. Every TOAST embeds:
- Automated royalty management
- Smart contract execution
- Equity Flip protection
- CDS protection
- Full on-chain transparency
Step 04
Receive Immediate Liquidity
Pass The Jam acquires your TOAST using Tokenized Bank Deposits (TBDs). Your business receives immediate liquidity to finance growth, while continuing to use its intellectual property through the licence-back agreement. No equity dilution. No loss of ownership. No traditional collateral.
Step 05
Keep Building
Continue doing what you do best. Serve your customers. Develop new products. Expand into new markets. As your business generates revenue from its intellectual property, agreed royalties are automatically settled to Pass The Jam through smart contracts.
Step 06
Grow Faster
Your intellectual property keeps creating value. As you grow, Pass The Jam can issue additional TOASTs against the same IP — like a toaster popping fresh slices. The more jam you make, the more capital you unlock. No new debt. No new dilution. No begging bankers.
Built for SMEs
Connect. Underwrite. Tokenize. Receive Liquidity. Keep Building.
Why founders pass the jam
// Six weapons against the old system.
01
Zero Dilution
Keep 100% of your company. We only take a slice of the jam you produce.
02
Instant Liquidity
Blockchain-backed funding in hours, not months of committee theatre.
03
Radical Clarity
Every cent tracked on-chain. No hidden fees. No rotting paperwork.
04
Global Backers
Investors from anywhere fuel your treasury. No borders. No gatekeepers.
05
Auto Revenue Split
Smart contracts route payouts. You ship product, not spreadsheets.
06
Keep Your Soul
No board seats surrendered. No pitch dinners. No begging.
Meet the
rogues.
Identified threats to entrepreneurial momentum.
#01Threat
Compounding since 1694
The Interest Vampire
Drains scale-ups with variable rates dressed up as 'partnership'.
The Interest Vampire
#02Threat
Loves signatures. Hates you.
The Paperwork Monster
Feeds on three-year projections, blood samples, and your Tuesday afternoons.
The Paperwork Monster
#03Threat
Meets quarterly. Decides never.
The Committee
A faceless void where funding requests go to die. Politely.
The Committee
#04Threat
Master of the eternal 'later'
Mr. Not Today
Expert in 'come back next fiscal year' with a warm handshake.
Mr. Not Today
// Field reports
Founders who walked away from the queue.
Case File 02
Before
Offered 24% APR + personal guarantee.
After
Received 24% of future revenue. No PG.
"My cap table is still mine."
Marcus — sports equipment
Case File 03
Before
18 months of diligence. Zero yes.
After
First tranche funded in a Tuesday afternoon.
"The zombies never saw us leave."
Elena — climate hardware
// Final sequenceLet them keep
Let them keep
the paperwork.
We'll fund your future. You keep your soul.
No credit checks•No board seats•No zombies