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Enabling Anyone To Be A Lender
& Funding Them Based On Their Borrower
Almost Everyone Qualifies:
(Individuals, SMEs, Existing Lenders, and Credit Unions)
Enabling Anyone To Be A Lender
& Funding Them Based On Their Borrower
Almost Everyone Qualifies:
(Individuals, SMEs, Existing Lenders, and Credit Unions)
Overview
The Problem: It's Difficult Becoming A Lender
People & SMEs often struggle to obtain everything needed for lending, particularly wholesale debt capital for lending. SMEs such as dentists and auto-dealers, usually outsource their lending to buy-now-pay-later companies to avoid tying up their capital and the result is that they miss out on the 50% to 75% profit a lender earns.
The Solution: We Provide Lenders Everything They Need
We provide people & SMEs everything they need to become a lender, including an end-borrower application portal, underwriting as a service, unlimited wholesale capital for lending, loan management software, payment collection from end-borrowers, loan servicing, and regularly packaging & selling lender's loan portfolio for a lump sum.
Who Can Benefit From Our Services & Capital
New & Small Credit Unions
New & Small Existing Traditional Lenders
Loan Originators, Brokers, Or Just Smart Individuals That Want To Become Lenders
SMEs - To Automate In-House Consumer Lending & Raise Revenue 40% To 75%
Highlights:
We Provide Everything You Need To Be A Lender
You Pre-Set The Creditworthiness & We Automatically Approve Your Borrowers With AI
You Mark Up Our Wholesale Capital & Earn The Mark Up
Book $45k Profit On Each $60k Loan With A 15% APR Markup (5 Yr Term Loan)
Your Only Responsibility Is To Point Borrowers To Your Application Portal & Advise Them Until They Sign
You Own The Loan Contracts (It's Your Loan Portfolio)
We Even Service Your Loans/Clients For You
We Hold 10% Of Your Profit On Deposit To Cover Defaults, Expected To Be 2.53% And "We" Bear Any Defaults Past That Point By Forgiving Your Lender Financing Loan Tied To The Defaulted End-Borrower Loan.
Optionally, We Can Regularly Package & Sell Your Loan Portfolio For A Lump Sum
Overview
The Problem: It's Difficult Becoming A Lender
People & SMEs often struggle to obtain everything needed for lending, particularly wholesale debt capital for lending. SMEs such as dentists and auto-dealers, usually outsource their lending to buy-now-pay-later companies to avoid tying up their capital and the result is that they miss out on the 50% to 75% profit a lender earns.
The Solution: We Provide Everything They Need
We provide people & SMEs everything they need to become a lender, including an end-borrower application portal, underwriting as a service, unlimited wholesale capital for lending, loan management software, payment collection from end-borrowers, loan servicing, and regularly packaging & selling lender's loan portfolio for a lump sum.
Who Can Benefit From Our Services & Capital
New & Small Credit Unions
New & Small Existing Traditional Lenders
Loan Originators, Brokers, Or Just Smart Individuals That Want To Become Lenders
SMEs - To Automate In-House Consumer Lending & Raise Revenue 40% To 75%
Highlights:
We Provide Everything You Need To Be A Lender
You Pre-Set The Creditworthiness & We Automatically Approve Your Borrowers With AI
You Mark Up Our Wholesale Capital & Earn The Mark Up
Book $45k Profit On Each $60k Loan With A 15% APR Markup (5 Yr Term Loan)
Your Only Responsibility Is To Point Borrowers To Your Application Portal & Advise Them Until They Sign
You Own The Loan Contracts (It's Your Loan Portfolio)
We Even Service Your Loans/Clients For You
We Hold 10% Of Your Profit On Deposit To Cover Defaults, Expected To Be 2.53% And "We" Bear Any Defaults Past That Point By Forgiving Your Lender Financing Loan Tied To The Defaulted End-Borrower Loan.
Optionally, We Can Regularly Package & Sell Your Loan Portfolio For A Lump Sum
We Fully Enable Lenders Instantly (No Setup Time):
1. If you don't have an existing company, you must legally form one after you signup. That can be done online on sites like LegalZoom for a minor fee.
2. Do You Need A Lending License?:
Commercial Loans: Only 6 US states require you to have a lending license for commercial loans (AR, CA, NV, ND, SD, VT). If you are located in any of the other 44 states and only offer commercial loans, you do not need a lending license.
Personal Loans: If you offer personal loans, most US states require you to have a lending license. But, for a fee, we can optionally put you under our lending license as a "branch" to spare you from the aggravation of obtaining your own lending license. This option works best for SMEs/businesses (such as dentists, pet hospitals, auto-dealers, ect.)
Go Fish Capital Provides You The Rest:
3. Marketing Tips On How To Build A List Of Target Borrowers
4. A Borrower Application Web Page | Or Code Snippet
5. Underwriting & Processing Of Borrower Applications
6. Unlimited Ongoing Capital For Lending
7. Funding & Payment Collection From Your Borrowers
8. Loan Servicing (We Service Your Loans For You)
9. Loan Management Software
10. Optionally Packaging & Selling Your Loan Portfolio For A Lump Sum
Ownership:
The loan & loan agreement between the lender and the end-borrower is owned by the lender and stays on the lender's accounting books (lender's loan portfolio).
The loan & loan agreement between the lender financier (Go Fish Capital) and (you) the lender is owned by the lender financier and stays on the lender financier's accounting books.
Patent-Pending Proprietary Process:
We're The Only Lender Financier That Funds Lender's When...
...The Lender Has Zero Or Little Current or Historical Revenue
...The Lender Has Little Lending Experience
...The Lender's Only Collateral Is A Signed End-Borrower Loan Agreement (Via Our Platform)
We named the new proprietary lender finance model "Chain Lender Financing."
Defined As: Establishing a reliable chain of debt financing where the lender becomes worthy of lender financing based on the creditworthiness & quality of the end-borrower & collecting loan payments from the end-borrower directly.
The lender and the end-borrower (both) get financed at the same time.
We act as a nominee on behalf of the lender to fund the end-borrower directly, and then we act as a payment processor to collect the loan payments from the end-borrower, we retain the amount that the lender owes us from their lender financing loan, and we provide the lender the rest (their profit).
Lenders Profit & APR Markup Is Based On Their Loan Volume Per Year
As an example, if the end-borrower loan is a $30,000 loan at 30% APR x 5 year term, the
starting APR spread/profit for a lender that produces less than $1M in loans per year would
be given a lender financing loan of 27% APR to finance the end-borrower loan at 30%, meaning the
lender will earn a 3% APR spread/markup x 5 years x $30,000 = $4,500.00
As the lender's YTD loan volume increases, they will earn a larger APR spread/markup.
| Level |
Loan Volume Per Year |
APR Spread |
$ Profit On $30k 5 Yr 30% Loan |
| Level 1 |
Up To $1M |
3% |
15% Profit = $4,500.00 |
| Level 2 |
$1M To $2M = ($84k/Mth) |
4% |
20% Profit = $6,000.00 |
| Level 3 |
$2M To $5M |
5% |
25% Profit = $7,500.00 |
| Level 4 |
$5M To $7M |
7% |
35% Profit = $10,500.00 |
| Level 5 |
$7M To $10M |
10% |
50% Profit = $15,000.00 |
| Level 6 |
$10M To $20M |
15% |
75% Profit = $22,500.00 |
| Level 7 |
$20M To $50M |
20% |
100% Profit = $30,000.00 |
