Raise IRA capital autonomously - Alto

Raise IRA capital with speed, flexibility and full support

Alto makes it simple to tap into self-directed IRA capital for your fund, startup or raise. No integration needed.

Easily accept IRA capital while you focus on raising

Once your investor commits, Alto handles the rest, from facilitating IRA transfers to executing subscription documents, to delivering funds to your bank account, typically within 2 business days of the transfer.

Launch an offering in as little as 15 minutes

Transparent dashboards for issuer visibility

Reduce drop-off with a seamless investor experience

Real support from a team experienced in self-directed IRAs and alternatives

Proof in the numbers

$1.5B+ in retirement-funded investments supported
3,200+ private market issuers onboarded
49,764 self-directed IRA investments processed
67% of 2025 investments made by returning investor
3.5 investments made per investor, on average
Data as of June 30, 2026

Let’s connect

Request a demo or reach out to learn more about raising capital with Alto

Need help setting up your account?

For FAQs and general inquiries, please visit our help center.

How our self-directed IRA platform works

Create your offering, refer your investors and let Alto handle funding and compliance so you can focus on your raise.

Setup

(estimated 15 minutes)

Create your Alto login

~ 3 mins

Add your offering

~ 8-9 mins

Refer investors directly from your dashboard

~ 3 mins

Fundraising

(estimated 5 minutes)

Your investor approves the investment invite on their account

You approve the investor’s commitment to confirm you’re ready to receive the funds

Alto executes the subscription/purchase agreement on behalf of the self-directed IRA and funds the investment within 2 business days*

*New IRAs are subject to a standard 7-day hold, per Treasury guidance.

Why access to the $19T retirement market matters

Raising capital on Alto lets investors create a self-directed IRA and invest using their retirement funds, adding flexibility for both new and returning participants. Retirement savings are a powerful source of long-term, tax-advantaged capital that align well with private market strategies.

Alto makes it easy to unlock this $19T opportunity without operational complexity.

Questions?

Well, we've got answers. Can’t find the answer you’re looking for? Please visit our FAQ page

How much does it cost to list my offering?

There’s no cost to Issuers raising capital through Alto’s Private Raise Portal. 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 for free.

Is it costly for my investors to commit 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.

We offer simple pricing to investors, calculated and charged quarterly based on a customer’s Total Invested Capital. Additional information can be found at altoira.com/pricing.

Can I invite an investor who does not have an Alto IRA account?

Yes! You can either send the investor a unique link to your deal in a personalized email or you can trigger an Alto branded invite directly from your Alto issuer account. Step by step instructions for either option can be found here.