Redefining The Rules of Credit

Business Overview Credible 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.

Solution Borrowers/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 Product Here’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 $ Trillion Auto Loans, Sales Financials 98$Billion Credible Opportunity 1$Billion USA only

Our Business Model Charge Interest and fees on loans Charge 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.com 5. 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 Landscape

Financial Projections Revenue1,500,0006,000,00015,000,00035,000,00055,000,000 COGS500,0001,500,0003,500,0009,000,00018,000,000 Gross Profit1,000,0004,500,00011,500,00026,000,00037,000,000 Oper Exp600,0002,000,0003,000,0007,000,00012,000,000 Net Income400,0002,500,0008,500,00019,000,00025,000,000

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 data driven strategies that fuel growth including revenue and profits

Milestones Startup founded, August 1 st,2015 Reached MVP, October 1 st, 2015 Currently 2 employees

Funding We 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 1B$ Big opportunity: 1B$ market share Technology: Predictive analytics Machine learning. Differentiators: using financial & social profiling. Team: proficient, committed & experienced

Contact US website: Maoz Batzia: Yatir Zaluski: