Leveraging Existing Relationships as Force Multiplier

The founder's deep industry connections from their previous lending technology startup provide us immediate credibility with our initial targets.

Local Lenders as Scalable Distribution

Our approach is targeting local non-bank lenders as our distribution channel rather than going direct to borrowers. Each lender represents 30-50 loans annually, creating multiplicative user acquisition with dramatically lower CAC.

We've designed a powerful incentive alignment: lenders receive 2% cashback on all borrower spending, creating a completely new revenue stream while obtaining unprecedented transaction visibility.

Our hook: We'll make your life easier, and pay you to do it

We pay the highest in market for yield on cash: 3.20% We pay the highest in market for card spend cashback: 2% We provide them liquidity by premising the option to buy their loan originations

We have bundled so much value in the offer, they feel stupid saying no to it.

The Data Flywheel

This approach creates a powerful flywheel effect:

  1. More lenders → more borrowers using our cards
  2. More card transactions → better risk data
  3. Better risk data → more accurate scoring models
  4. Better scoring → more institutional interest
  5. More institutional capital → more attractive terms for lenders
  6. More attractive terms → more lenders

What's powerful about this approach is that institutional capital demands data standardization that no individual lender can provide. By sitting in the middle of every transaction, we create the scoring infrastructure that enables Wall Street to properly price risk in this asset class.

Numbers That Matter

The economics align beautifully. For a mid-tier lender: