Overview
The Problem: It's Difficult Becoming A Lender
Often after substantial investment in initial setup costs and a large amount of time spent obtaining a lending license, new traditional lenders struggle to secure capital. Also, SME Consumer Lenders like dentists, retailers, and auto-dealers typically prefer to outsource their consumer lending programs to buy-now-pay-later companies, unwilling to tie up their own capital. As a result, they incur costs equivalent to 6% while missing out on potential additional revenue of up to 75% per sale instead (e.g., 15% markup per year x 5 years = 75%) which goes to the buy-now-pay-later companies instead.
The Solution: A New Lender Financing Model:
We created a new patent-pending proprietary lender financing model called "Chain Lender Financing," which provides people & SMEs everything that they need to automate their own lending program and allows us to finance/fund the new lender regardless of their current revenue or portfolio size. This brings the new lender unlimited capital for lending which brings them up to 75% profit per 5 year loan from their chosen interest rate markup on our wholesale capital, equivalent to up to $26,000 profit on a $35,000 loan. And when their portfolio reaches $2 million, they can sell it to obtain the profit in a lump sum. We even provide the servicing, so the only responsibility the lender has is to direct borrowers to their borrower application portal and advise them until they sign their online loan agreement.
Who Can Benefit From Lender Financing On Our Platform
New Traditional Lenders & Small Existing Traditional Lenders
Loan Originators, Brokers, Or Just Smart Individuals That Want To Become Lenders
SMEs That Want To Automate Their Own Consumer Lending Program + Raise Their Revenue Up To 75% From Financing.
Highlights:
We Provide You Everything You Need To Be A Lender
You Pre-Set The Creditworthiness Limit & We Automatically Pre-Qualify Your Borrowers With AI
You Set The Interest Rate Spread Between Our Wholesale Financing & What You Charge Your Borrowers
Book $75k Profit On Each $100k Loan With A 15% APR Markup On Our Wholesale Capital
Your only responsibility is to direct borrowers to your borrower application portal and advise them until they sign
You Retain Ownership Of All Loan Agreements Between You & Your Clients (It's Your 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% If Your Credit Threshold Is Set At 650
Optionally, Package Your Loan Portfolio With Those Of Our Other Lenders And Sell Your Portfolio For A Lump Sum
Overview
The Problem: It's Difficult Becoming A Lender
Often after substantial investment in initial setup costs and a large amount of time spent obtaining a lending license, new traditional lenders struggle to secure capital. Also, SME Consumer Lenders like dentists, retailers, and auto-dealers typically prefer to outsource their consumer lending programs to buy-now-pay-later companies, unwilling to tie up their own capital. As a result, they incur costs equivalent to 6% while missing out on potential additional revenue of up to 75% per sale instead (e.g., 15% markup per year x 5 years = 75%) which goes to the buy-now-pay-later companies instead.
The Solution: A New Lender Financing Model:
We created a new patent-pending proprietary lender financing model called "Chain Lender Financing," which provides people & SMEs everything that they need to automate their own lending program and allows us to finance/fund the new lender regardless of their current revenue or portfolio size. This brings the new lender unlimited capital for lending which brings them up to 75% profit per 5 year loan from their chosen interest rate markup on our wholesale capital, equivalent to up to $26,000 profit on a $35,000 loan. And when their portfolio reaches $2 million, they can sell it to obtain the profit in a lump sum. We even provide the servicing, so the only responsibility the lender has is to direct borrowers to their borrower application portal and help them get to the point of signing their loan agreement.
Who Can Benefit From Lender Financing On Our Platform
New Traditional Lenders & Small Existing Traditional Lenders
Loan Originators, Brokers, Or Just Smart Individuals That Want To Become Lenders
SMEs That Want To Automate Their Own Consumer Lending Program + Raise Their Revenue Up To 75% From Financing.
Highlights:
We Provide You Everything You Need To Be A Lender
You Pre-Set The Creditworthiness Limit & We Automatically Pre-Qualify Your Borrowers With AI
You Set The Interest Rate Spread Between Our Wholesale Financing & What You Charge Your Borrowers
Book $75k Profit On Each $100k Loan With A 15% APR Markup On Our Wholesale Capital
Your only responsibility is to direct borrowers to your borrower application portal and advise them until they sign
You Retain Ownership Of All Loan Agreements Between You & Your Clients (It's Your 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% If Your Credit Threshold Is Set At 650
Optionally, Package Your Loan Portfolio With Those Of Our Other Lenders And Sell Your Portfolio For A Lump Sum
We Make You A Lender Instantly:
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 $200.
Go Fish Capital Provides You The Rest:
2. We can optionally put you under our lending license as a "branch."
3. Loan Management Software
4. AI Driven Underwriting Decision Engine
5. Compliance Approval From Credit Bureaus
6. Unlimited Ongoing Capital For Lending
7. A Borrower Application Web Page Or Code Snippet
8. Underwriting & Processing Of Borrower Applications
9. Funding & Payment Collection From Your Borrowers
10. Loan Servicing (We Service Your Loans For You)
11. Selling Your Loan Portfolio (If You Wish) After It Reaches $2M
We Finance Brand New & Small Lenders
We're The Only Lender Financier That Funds Lender's When...
...The Lender Has Zero Current or Historical Revenue
...The Lender Has Little Lending Experience
...The Lender's Only Collateral Is A Signed Loan Agreement (Via Our Platform)
Patent-Pending Proprietary Process:
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).
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.
Our Wholesale Lender Financing Interest Rate:
Currently as low as 10%, depending on loan size & end-borrower quality
This wholesale capital interest rate to lenders will become much smaller as we source lower cost capital and as interest rates begin to drop around the world.
Services We Provide
You Are Covered In These Areas
During the onboarding process, you will decide & set the minimum threshold of creditworthiness for your applicants. We provide you with a white-label web page (or code to embed the web page into your own website) equipped with Artificial Intelligence & Data Analytics that allows your end-borrowers to pre-qualify themselves.
We provide loans ranging from $500 to $100,000 with terms of 6 months or 1 to 5 years. Your lender financing loan will mirror your borrower's loan in size & term.
Our financing to you offers 100x more capital than other lenders, allowing you to start from zero, avoid pauses for additional lender financing loan applications, and receive unlimited capital as quickly as you can deploy it.
Pure lenders and SMEs can use GFC to create a totally automated commercial or consumer lending program where you can log into your Go Fish Capital Loan Management System at any time to view your current loan portfolio & associated lender financing loans. You are only responsible for pointing borrowers to the provided application webpage and make sure they accept a loan option. We then handle the loan servicing.
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