Redefining The Rules of Credit

Business OverviewCredible is a web app that provides loans backed by predictive analytic algorithm that price the risk of borrower.

Our predictions are based on financial data and social profiling. We are harnessing machine learning and scientific statistical models to predict borrower’s creditworthiness.

Based on our prediction we charge fees and interest on loans. Our target market are borrowers , lenders, Financial institutions, P2P lending platforms, real estate property agencies & gaming platforms.

We have a proficient skilled team with past joined work experience that is fully committed.

Problem• Lenders can not predict if loan will be defaulted• Lenders do not get a view of borrowers social

profiling.• Borrowers financial data and behavior is not highly

considered to predict creditworthiness• People with no credit history are having problem

raising credit line for products and/or services• Lenders have no idea of borrowers future potential

employment.• Landlords can not predict if tenant will default on

their monthly rent payment.

SolutionBorrowers/Tenants

Gain Online accurate

information

Ability to apply for credit even with no credit history

Able to improve score

Lenders/Landlords

Hedging credit risk

Ability to reach population with no credit history

Offering new credit products

The ProductHere’s how it works…

5. Analyze Social info

3. Upload bank statements

2. Upload paystub

6. Process financial and social info 7. Underwrite Loan

4. validate1. Register online

So how big is the Market?

Mortgages-13.43$ Trillion Auto Loans ,

Sales Financials 98$Billion Credible

Opportunity 1$Billion

USA only

Our Business Model

Charge Interest and fees on loansCharge on credit reports for

landlords

Go To Market Strategy

Marketing &Sales

Acquiring new customers

1. Online Marketing SEM, SEO,daily deals

2. Discounted pricing

3. Incentive programs for special segments

4. Shows and Exhibitions

1. Joining forces with commercial banks

3. P2P lending platforms such as Lending club

4. Housing rental platforms such as Zillow.com or trulia.com5. Gaming platforms

Partnerships

Acquiring new customers

Customer Service

Maintaining customers

1. Dedicated customer Support services

2. Community message boards

3. Coaching consumers to improve credit performance

2. Real Estate rental agencies

Competitive LandscapeL

Security v

Coverage World wide US only EU,LATAM & Australia

EU Only Us & China

Business model

Fees and interest on loans & 30$ on credit score report

30$ per scoring Fees and interest on loans

N/A Fees and interest on loans

Predictive Social profiling

M

Predictive Bank & FinAnalytics

Financial Projections 2016 2017 2018 2019 2020Revenue 1,500,000 6,000,000 15,000,000 35,000,000 55,000,000COGS 500,000 1,500,000 3,500,000 9,000,000 18,000,000Gross Profit 1,000,000 4,500,000 11,500,000 26,000,000 37,000,000Oper Exp 600,000 2,000,000 3,000,000 7,000,000 12,000,000

Net Income 400,000 2,500,000 8,500,000 19,000,000 25,000,000

Team

Yatir Zaluski – Co-Founder, Entrepreneur

Highly motivated individual with strong team leadership skills.

Capable of turning dry analysis into an exciting story that influences the direction of the business and communicating with diverse teams to take a project from start to finish.

Maoz Batzia – Co Founder, Entrepreneur, CTO

founder of appswiz LTD ,Global Taxation, Global Investment portfolio.

Able to influence the strategic direction of customers by identifying opportunities in large scale.creating and implementing datadriven strategies that fuel growth including revenue and profits

Milestones

Startup founded, August 1st ,2015

Reached MVP, October 1st, 2015

Currently 2 employees

FundingWe seek an investment of 1M$

So we can:

Finalize the product , form partnership and start collecting loans from 5000 customers that will generate revenues.

Summary

Big opportunity: 1B$ market share

Technology: Predictive analytics Machine learning.

Differentiators: using financial & social profiling.

Team: proficient, committed & experienced

Contact US

website: www.credible.eu.com

Maoz Batzia: maoz@credible.eu.com

Yatir Zaluski: yatir@credibile.eu.com