Overview

The Big Problem In The $25 Trillion Global Lending Industry: Emerging private lenders, credit unions, and SMEs like dentists, and retailers face similar challenges. New lenders struggle to secure capital often after substantial investment in initial setup costs, driving a slow and uneven growth trajectory. Simultaneously, SMEs prefer outsourcing their consumer lending programs, unwilling to tie up their own capital or manage these programs, resulting in a revenue loss of up to 50% per sale that goes to the buy-now-pay-later companies instead. The Solution: A New Lender Financing Model: We created a new model called "Chain Lender Financing," which allows us to finance a new lender regardless of their revenue, based on the end-borrower's credit quality (and) by funding & collecting loan payments from the end-borrower directly. We then retain the amount that the lender owes us and we give the remaining profit to the lender. Our offering to new lenders includes an end-borrower application web portal, loan origination software, an AI-powered underwriting services, ongoing wholesale lending capital, loan management software, aforementioned loan payment collection from end-borrowers, and even loan servicing - all of which "totally automates" a lending program for traditional lenders and SMEs. This brings the new lender 15% to 75% profit per 5 year loan from their chosen 3% to 15% annual markup on our wholesale capital.