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    Trade Lend A

    Uploaded by

    getcollabo

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd

    Trade Lend A

    Uploaded by

    getcollabo
    2 views20 pages

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    © © All Rights Reserved

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    Copyright:

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    2 views20 pages

    Trade Lend A

    Uploaded by

    getcollabo

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 20

    Finance Plug for

    Commerce
    Enabling access to credit via alternative
    data sources for MSMEs

    Accelerated by: Licensed by:


    PROBLEM

    The financing gap for Nigerian MSMEs is $158 Billion


    with over 18 million MSMEs financially constrained.

    IFC MSME Reports 2021


    SOLUTION

    Sign Up Easy onboarding


    ACCESS TO FINANCE

    Quick loans AI AIDED CREDIT SCORING


    SYSTEM.

    6 hours PARTNERSHIPS
    Disbursement
    PRODUCT DEMO

    https://youtu.be/1YB6aXkr4s4
    BUSINESS MODEL

    5% monthly interest = 60% Annually

    = 230,000+ MSMEs
    + 3 Structured Markets 10% = 23,000

    $5,000 $7.75million
    Average Loan Size Revenue (Next 18 Months)
    MARKET SIZE

    2.5%
    COMPETITION
    Sign Up Easy onboarding

    Quick loans

    6 hours
    Disbursement
    TRACTION

    Revenue
    $80,825,000 **

    Profit
    Revenue $24,069,010 **
    • Lending License $30,950,000 **
    • $1,6 Million+ Disbursed
    • 230,000 MSMEs Profit
    • 12 Partnerships $8,916,985 **
    • $712,500 in Revenue ** Revenue
    $6,412,500 **

    Profit
    • Pilot $1,948,118 **
    • $500,000+ Disbursed
    • Incorporated
    • Platform Launch

    2020 - 2021 2022 2023 2024 2025


    Revenue Profit

    230k+ 1000+ $1m+ Disbursement 100% 6 hours


    Retail Access from Retailers Repayment Disbursement Note: (**) - Ongoing target
    12 partnerships disbursement Cycle
    TESTIMONIAL

    Visit: www.youtube.com/watch?v=VSLaYjraoYA
    TEAM

    ADVISOR
    OUR ASK
    Use of funds

    $249,375
    $1 Million $515,625
    ₦875m

    $235,000

    Talent, Operations, Growth, Technology 249,375

    Additional Licence (Statutory Asset Requirement to 235,000


    increase Market share)
    Reserved Funds to activate Lending Pipelines 515,625

    Total 1,000,000
    GROWTH PLAN

    2022 2023

    $413,325,000
    Q2 Close Pre-seed round Expansion plans to another
    West African Country

    $125,082,510
    Achieve 10,000 MSMEs
    MoM disbursement Seed Round Closure

    On-board new Recruits

    $712,500
    (Key hires / Software
    Developers)

    $174,563
    Recruit recovery team
    / Strengthen risk

    Q3 Achieve $270,000 in Achieve $10 million monthly 2022 2027


    revenue Disbursement Revenue Profit

    Q4 Achieve $700,000+ in Achieve $6.4 million in revenue


    revenue
    THANK
    YOU!
    Q&A
    YOU CAN FIND ME AT:
    [email protected]
    [email protected]
    +2348062937739
    APPENDIX
    The financing gap for Nigerian MSMEs is $158 Billion with over
    18 million MSMEs financially constrained.
    IFC MSME Reports 2021

    Problem to be solved:
    Retailers cannot access finance because they lack tangible collateral and
    long turn around time in traditional financial institutions.
    CREDIT SCORING FRAMEWORK
    CUSTOMER PERSONAS
    CUSTOMER JOURNEY
    LEADERSHIP STRUCTURE
    FINANCIAL PROJECTIONS

    Assumptions
    Dec 2022 Dec 2023 Dec 2024 Dec 2025 Dec 2026
    Revenue
    Starting Lending Base $1,500,000 Revenue $712,500 $6,412,500 $30,950,000 $80,825,000 $175,825,000
    % of Loans Outstanding 95%
    Lending Interest Rate Direct Lending Cost $171,000 $1,539,000 $8,568,000 $20,538,000 $43,338,000
    Borrowing Interest Rate 50%
    Gross Profit $541,500 $4,873,500 $22,382,000 $60,287,000 $132,487,000
    YoY growth 12%
    Default Rate Total Operating Expenses $249,375 $1,705,725 $7,833,700 $21,100,450 $46,370,450
    Operating Expenses 3%
    Marketing Budget 35% Default Rate $42,750 $384,750 $1,809,750 $4,802,250 $10,502,250

    Cost of Customer Acquisition EBITDA $249,375 $2,783,025 $12,738,550 $34,384,300 $75,614,300

    Average Loan Size PBT $249,375 $2,783,025 $12,738,550 $34,384,300 $75,614,300

    Number of Users $50


    Tax Expense $74,813 $834,908 $3,821,565 $10,315,290 $22,684,290
    Application cost for immigrant $5,000
    Net Income $174,563 $1,948,118 $8,916,985 $24,069,010 $52,930,010
    Lifetime Value of Customer 300
    ROAS

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