1. BUILDING A DIGITAL LENDING BUSINESS
RITESH THADANI 1

2. ABOUT POLLEN VC Global App Marketplace is a $25Bn market growing to•
Global App Marketplace is a $25Bn market growing to
$142Bn within three years* •
We help app developers unlock their app store earnings early to fuel growth and deploy venture capital
more efficiently •
New data-driven approach to lending - our tech platform connects directly to central billing system for digital products to price risk in real time n
*Source:Vision Mobile Developer Economics Survey Feb 2014
BUILDING A DIGITAL LENDING BUSINESS

3. Platforms release your cash…
PROBLEM: PLATFORMS ONLY PAY OUT REVENUE UP TO 60+ DAYS AFTER YOU’VE EARNED IT.
Platforms release your cash…
LAUNCH
You’re earning money from
day 1
This is your money trapped in the payment system
BUILDING A DIGITAL LENDING BUSINESS

4. A NEW WAY… Acquire more users more quickly
Draw down earnings on a daily basis
Reinvest directly into advertising 4
BUILDING A DIGITAL LENDING BUSINESS

5. TYPICAL LAUNCH SCENARIO
Fail to get credit with ad networks
DOWNLOADS
REVENUE
Can’t
reinvest to
acquire more users
Get paid by
platforms
LAUNCH
Revenue / Downloads
Jan 2015
Feb 2015
Mar 2015
Apr 2015
May 2015
Jun 2015
Jul 2015
BUILDING A DIGITAL LENDING BUSINESS 5

6. 6
BUILDING A DIGITAL LENDING BUSINESS

7. FUNDING FOR FINTECH Amount $ Capital Markets Banks Family Offices
Equity Capital
Data/Model Validation
BUILDING A DIGITAL LENDING BUSINESS

8. OLD WORLD COMPARISON PHYSICAL DIGITAL VS
Creation and shipping of physical goods
DIGITAL
App Store Marketplace - Real time economics
Consumers purchase digital product real-time - billed to credit cards instantly
Invoices created at end of month and posted/ ed. Paid 30,45,60 day terms VS
Advertising purchased in real time through RTB exchanges
Advertising booked weeks in advance - eg TV campaigns, direct mailings
Lack of financial products eg invoice financing
Factoring/Discounting solutions available to shorten cycles at a cost
30 days is a long time. 60 days is an eternity!
BUILDING A DIGITAL LENDING BUSINESS

9. STRUCTURE
BUILDING A DIGITAL LENDING BUSINESS

10. GROWTH IN THE LONG TAIL
• c. 70,000 developers making more than $10k/year across iOS and Google Play
• L-Shaped revenue curve is flattening out
• More opportunities for developers in the long tail
• User acquisition becoming better understood
BUILDING A DIGITAL LENDING BUSINESS 10

11. THANK YOU
@thadani Follow us