Raising capital has
never been easier

Create your offering and invite investors in less than 10 minutes with Alto’s capital raising platform.

Trusted by the world’s leading brands

AngelList : Brand Short Description Type Here.
AcreTrader : Brand Short Description Type Here.
SuperVest : Brand Short Description Type Here.
MasterWorks : Brand Short Description Type Here.
Vint : Brand Short Description Type Here.
Prosper : Brand Short Description Type Here.

Unlock $10T+ in retirement capital in minutes

With investors looking to alternative assets for outsized returns and portfolio diversification—and more than $10 trillion locked in IRAs in the US—there’s never been a better time to raise capital with retirement funds.



Tap into a larger pool of investable assets by accepting IRA capital.



Create your offering and kick off your capital raise in just 10 minutes with our platform.



Count on a single, reliable provider with industry-leading service.

Raise capital with Alto

We built our platform to make the historically cumbersome process of raising IRA capital easy. There’s no need to book a call, and no waiting for your offering to go live. Plus, if you ever need help, our world-class customer service has you covered.


Assets Under Administration


Average Investment Size


Issuers and Counting

How it works

Open an account

Create your offering in 3 easy steps.

Upload offering documents

Add your documents and we'll digitize them.

Invite investors

Refer investors directly from your dashboard.

Accepting IRA capital simplified

Alto replaces what was a people- and paper-intensive process with an end-to-end solution that takes just minutes to complete.


Manage your capital with ease


Easy for you, easy for your investors

Strengthen your relationship with your investors by providing them a frictionless way to invest—with no hidden fees.

Recognized in top financial publications

According to research by Alto, millennials hope to retire at 59, though they're not sure how.

Alto recognized among 11 tech startups labeled "the new generation of wealth-tech."

The Alto IRA named to Real Simple's 2022 Smart Money Awards list for best nontraditional retirement plan.

Got questions?
Well, we've got answers.

What is Alto?

Alto is a self-directed IRA custodian that enables individuals to invest in alternative assets through a variety of partnerships and Alto’s capital raise platform, which allows issuers to bring individual offerings to the table.

What are the benefits of IRA capital?

By accepting IRA capital, you’re allowing your investors to tap into what could be their largest source of investable assets: their retirement funds. That means potentially closing your raise sooner. And by leveraging IRA capital, your investors are able to take advantage of the tax advantages afforded to traditional, Roth, and SEP IRA accounts. The type of deal and amount of investors that may access an offering is decided upon by the issuing company.

How much does it cost to list my offering?

There’s no cost to raising private capital using Alto. We don’t charge a placement fee, and we don’t take a cut of your raise, so you get every IRA dollar you accept.

Is it costly for my investors to contribute to my raise?

Not at all! For too long, investing in alternative assets using a self-directed IRA has been an expensive and laborious process. That goes against everything we stand for. At Alto, we’re on a mission to make alternatives accessible for all, and that starts with pricing that is fair. It’s also why we offer two pricing plans.

Individuals looking to invest in deals they source or that issuers invite them to through their Alto IRA will need to choose our Pro plan, which carries a low account fee of $25/month (or $250/year). Additionally, they’ll pay a $75 investment fee on every private investment they make. And that’s it!

Are investors required to be accredited?

Alto supports non-accredited investors as well as accredited investors. Anyone can create an Alto IRA account, though some offerings are open only to accredited investors. This determination is entirely up to the company issuing the offering.

How many investors can participate in an offering?

The number of investors allowed to participate in an offering is dependent on the rules and regulations of the Securities Act of 1933. For example, offerings under Rule 506(b) of Regulation D can have an unlimited number of accredited investors, and up to 35 non-accredited purchasers.

Who can I contact with questions about setting up my offering?

You’ll likely find that most questions you have are answered on our Issuer Support page; however, if you have a question we didn’t answer, you can contact us here.

“Alto helped us explore IRA capital, raising more than a half million dollars in the process.”​​

Elle Williams​

Elle Williams​

Director of Business Development, Vint

Trusted by investors and issuers nationwide

You focus on your business. We’ll handle the rest.

*Alto does not represent, warrant, or otherwise guarantee the success of an offering on its platform. Issuers are solely responsible for engaging investors and raising capital for offerings uploaded to the Alto platform. Alto will not recommend or otherwise market an offering to its clients.

©  Alto Solutions, Inc.  2024 All Rights Reserved.

Alto Solutions, Inc. d/b/a AltoIRA (Alto) is an administrator of self-directed individual retirement accounts and is not a registered or licensed broker, dealer, broker-dealer, funding portal, cryptocurrency exchange, investment advisor or investment manager. Neither Alto nor any of its affiliates is a bank. Banking services provided to Alto are by BankProv (Bank) Member FDIC / Member DIF. The FDIC insures each account holder up to $250,000 based on deposit insurance rules. The Depositors Insurance Fund (DIF) insures all deposits above the FDIC depositor limit when placed with BankProv. Crypto assets are not insured by the FDIC, may lose value, are not deposits or other obligations of the Bank, and are not guaranteed by the Bank. Alto does not provide investment advice or recommendations about any specific security offering, investment or asset. Investing in start-ups, cryptocurrency, securitized art and other alternative investments involves significant risks. Alto services are intended only for investors who fully understand and are willing to accept the risks associated with alternative investments and the management of self-directed IRAs. Alto does not control or monitor the operation or conduct of third party investment platforms, funds, cryptocurrency exchanges or issuers, or their offerings. Information provided by AltoIRA does not constitute an offer, nor the solicitation of an offer to buy or subscribe to, any securities to any person in any jurisdiction.

Whenever making an investment decision, investors should consult with their tax attorney or financial professional. Investors are responsible for conducting their own due diligence regarding investments, for using their Alto accounts in compliance with law, and for all tax and other risks and obligations arising from account transactions. Alto®, The Alternative IRA®, the Alto logo and Alto CryptoIRA® are trademarks of AltoIRA. All other trademarks are the properties of their respective owners.