Pollen VC Building A Digital Lending Business

Pollen VC
Pollen VCFinTech: financial solution for mobile developers at Pollen VC
BUILDING A DIGITAL LENDING BUSINESS
RITESH THADANI
1
BUILDING A DIGITAL LENDING BUSINESS
Building a Digital Lending Business
ABOUT POLLEN VC
• 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
*Source:Vision Mobile Developer Economics Survey Feb 2014
2
BUILDING A DIGITAL LENDING BUSINESS
PROBLEM: PLATFORMS ONLY
PAY OUT REVENUE UP TO
60+ DAYS AFTER YOU’VE
EARNED IT.
LAUNCH
You’re earning money from
day 1
This is your money
trapped in the payment system
Platforms
release your
cash…
3
BUILDING A DIGITAL LENDING BUSINESS
Reinvest directly
into advertising
Acquire more users
more quickly
Draw down earnings
on a daily basis
A NEW WAY…
4
BUILDING A DIGITAL LENDING BUSINESS
TYPICAL LAUNCH SCENARIO
LAUNCH
Fail to get
credit with
ad networks
Can’t
reinvest to
acquire more
users
Get paid by
platforms
DOWNLOADS REVENUE
Revenue/Downloads
Jan 2015 Feb 2015 Mar 2015 Apr 2015 May 2015 Jun 2015 Jul 2015
5
BUILDING A DIGITAL LENDING BUSINESS
6
BUILDING A DIGITAL LENDING BUSINESS
FUNDING FOR FINTECH
Building a Digital Lending Business
Amount $
Capital Markets
Banks
Family Offices
Equity Capital
Data/Model Validation
7
BUILDING A DIGITAL LENDING BUSINESS
DIGITAL
Creation and shipping of physical
goods
Invoices created at end of month
and posted/emailed. Paid
30,45,60 day terms
Advertising booked weeks in
advance - eg TV campaigns, direct
mailings
Factoring/Discounting solutions
available to shorten cycles at a
cost
App Store Marketplace - Real time
economics
Consumers purchase digital product
real-time - billed to credit cards
instantly
Advertising purchased in real time
through RTB exchanges
Lack of financial products eg invoice
financing
30 days is a long time. 60 days is an
eternity!
VS
OLD WORLD COMPARISON
PHYSICAL
8
BUILDING A DIGITAL LENDING BUSINESS
STRUCTURE
9
BUILDING A DIGITAL LENDING BUSINESS
GROWTH IN THE LONG TAIL
Building a Digital Lending Business
•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
10
THANK YOU
ritesh@pollen.vc
@thadani
Follow us at @PollenVC
1 of 11

Recommended

Startups are Hard. Like, Really Hard. @luketucker by
Startups are Hard. Like, Really Hard. @luketuckerStartups are Hard. Like, Really Hard. @luketucker
Startups are Hard. Like, Really Hard. @luketuckerEmpowered Presentations
432.9K views74 slides
Creative Traction Methodology - For Early Stage Startups by
Creative Traction Methodology - For Early Stage StartupsCreative Traction Methodology - For Early Stage Startups
Creative Traction Methodology - For Early Stage StartupsTommaso Di Bartolo
310.6K views82 slides
14 Tips to Entrepreneurs to start the Right Stuff by
14 Tips to Entrepreneurs to start the Right Stuff14 Tips to Entrepreneurs to start the Right Stuff
14 Tips to Entrepreneurs to start the Right StuffPatrick Stähler
620.6K views145 slides
100 growth hacks 100 days | 1 to 10 by
100 growth hacks 100 days | 1 to 10100 growth hacks 100 days | 1 to 10
100 growth hacks 100 days | 1 to 10Robin Yjord
1.1M views44 slides
How I got 2.5 Million views on Slideshare (by @nickdemey - Board of Innovation) by
How I got 2.5 Million views on Slideshare (by @nickdemey - Board of Innovation)How I got 2.5 Million views on Slideshare (by @nickdemey - Board of Innovation)
How I got 2.5 Million views on Slideshare (by @nickdemey - Board of Innovation)Board of Innovation
4.4M views50 slides
The Future of Everything by
The Future of EverythingThe Future of Everything
The Future of EverythingCharbel Zeaiter
877K views263 slides

More Related Content

What's hot

10 Insightful Quotes On Designing A Better Customer Experience by
10 Insightful Quotes On Designing A Better Customer Experience10 Insightful Quotes On Designing A Better Customer Experience
10 Insightful Quotes On Designing A Better Customer ExperienceYuan Wang
1.3M views26 slides
A Product Manager's Job by
A Product Manager's JobA Product Manager's Job
A Product Manager's Jobjoshelman
821.8K views35 slides
Pitching Ideas: How to sell your ideas to others by
Pitching Ideas: How to sell your ideas to othersPitching Ideas: How to sell your ideas to others
Pitching Ideas: How to sell your ideas to othersJeroen van Geel
330.3K views62 slides
11 big strategy ideas by
11 big strategy ideas11 big strategy ideas
11 big strategy ideasCPA Australia
195.8K views26 slides
Strong but wrong by
Strong but wrongStrong but wrong
Strong but wrongVelocity Partners
2.7K views29 slides
The X factor: The Secret to Better Content Marketing by
The X factor: The Secret to Better Content Marketing The X factor: The Secret to Better Content Marketing
The X factor: The Secret to Better Content Marketing Mathew Sweezey
449.1K views55 slides

What's hot(20)

10 Insightful Quotes On Designing A Better Customer Experience by Yuan Wang
10 Insightful Quotes On Designing A Better Customer Experience10 Insightful Quotes On Designing A Better Customer Experience
10 Insightful Quotes On Designing A Better Customer Experience
Yuan Wang1.3M views
A Product Manager's Job by joshelman
A Product Manager's JobA Product Manager's Job
A Product Manager's Job
joshelman821.8K views
Pitching Ideas: How to sell your ideas to others by Jeroen van Geel
Pitching Ideas: How to sell your ideas to othersPitching Ideas: How to sell your ideas to others
Pitching Ideas: How to sell your ideas to others
Jeroen van Geel330.3K views
11 big strategy ideas by CPA Australia
11 big strategy ideas11 big strategy ideas
11 big strategy ideas
CPA Australia195.8K views
The X factor: The Secret to Better Content Marketing by Mathew Sweezey
The X factor: The Secret to Better Content Marketing The X factor: The Secret to Better Content Marketing
The X factor: The Secret to Better Content Marketing
Mathew Sweezey449.1K views
50 Essential Content Marketing Hacks (Content Marketing World) by Heinz Marketing Inc
50 Essential Content Marketing Hacks (Content Marketing World)50 Essential Content Marketing Hacks (Content Marketing World)
50 Essential Content Marketing Hacks (Content Marketing World)
Heinz Marketing Inc167.3K views
The power of creative collaboration by Table19
The power of creative collaborationThe power of creative collaboration
The power of creative collaboration
Table19360.5K views
Habits at Work - Merci Victoria Grace, Growth, Slack - 2016 Habit Summit by Habit Summit
Habits at Work - Merci Victoria Grace, Growth, Slack - 2016 Habit SummitHabits at Work - Merci Victoria Grace, Growth, Slack - 2016 Habit Summit
Habits at Work - Merci Victoria Grace, Growth, Slack - 2016 Habit Summit
Habit Summit189.3K views
[Infographic] How will Internet of Things (IoT) change the world as we know it? by InterQuest Group
[Infographic] How will Internet of Things (IoT) change the world as we know it?[Infographic] How will Internet of Things (IoT) change the world as we know it?
[Infographic] How will Internet of Things (IoT) change the world as we know it?
InterQuest Group193.2K views
Designing Teams for Emerging Challenges by Aaron Irizarry
Designing Teams for Emerging ChallengesDesigning Teams for Emerging Challenges
Designing Teams for Emerging Challenges
Aaron Irizarry1.1M views
SEOmoz Pitch Deck July 2011 by Rand Fishkin
SEOmoz Pitch Deck July 2011SEOmoz Pitch Deck July 2011
SEOmoz Pitch Deck July 2011
Rand Fishkin7.3M views
Business optimization | building your first million is easy by Surjeet Singh
Business optimization | building your first million is easyBusiness optimization | building your first million is easy
Business optimization | building your first million is easy
Surjeet Singh14K views
Unlock Your Organization Through Digital Transformation by Digital Surgeons
Unlock Your Organization Through Digital TransformationUnlock Your Organization Through Digital Transformation
Unlock Your Organization Through Digital Transformation
Connected Technology: Trending the Future | space150 v28 by space150
Connected Technology: Trending the Future | space150 v28Connected Technology: Trending the Future | space150 v28
Connected Technology: Trending the Future | space150 v28
space1508.4K views
24 Design Tips from Real Designers by Edahn Small
24 Design Tips from Real Designers24 Design Tips from Real Designers
24 Design Tips from Real Designers
Edahn Small44.3K views
Top 10 Learnings Growing to (Almost) $10 Million ARR: Leo's presentation at S... by Buffer
Top 10 Learnings Growing to (Almost) $10 Million ARR: Leo's presentation at S...Top 10 Learnings Growing to (Almost) $10 Million ARR: Leo's presentation at S...
Top 10 Learnings Growing to (Almost) $10 Million ARR: Leo's presentation at S...
Buffer 7.1K views
Q4 2022 DBX Investor Presentation.pdf by Dropbox
Q4 2022 DBX Investor Presentation.pdfQ4 2022 DBX Investor Presentation.pdf
Q4 2022 DBX Investor Presentation.pdf
Dropbox16.7K views

Viewers also liked

Enabling Autonomy by
Enabling AutonomyEnabling Autonomy
Enabling AutonomyIan Livingstone
116.4K views47 slides
CSS Grid Layout by
CSS Grid LayoutCSS Grid Layout
CSS Grid LayoutRachel Andrew
128.2K views120 slides
Andreas Tschas - Pioneers - Building Startup Marketplaces in Europe & Asia - ... by
Andreas Tschas - Pioneers - Building Startup Marketplaces in Europe & Asia - ...Andreas Tschas - Pioneers - Building Startup Marketplaces in Europe & Asia - ...
Andreas Tschas - Pioneers - Building Startup Marketplaces in Europe & Asia - ...Burton Lee
57.5K views35 slides
7 ineffective coding habits many F# programmers don't have by
7 ineffective coding habits many F# programmers don't have7 ineffective coding habits many F# programmers don't have
7 ineffective coding habits many F# programmers don't haveYan Cui
709.5K views207 slides
A Guide to Facebook Advertising and Social Media Strategy by
A Guide to Facebook Advertising and Social Media StrategyA Guide to Facebook Advertising and Social Media Strategy
A Guide to Facebook Advertising and Social Media StrategyGalvanize
6.6K views134 slides
Ultimate Guide to Funnel Optimization by
Ultimate Guide to Funnel OptimizationUltimate Guide to Funnel Optimization
Ultimate Guide to Funnel OptimizationSean Johnson
379.3K views58 slides

Viewers also liked(20)

CSS Grid Layout by Rachel Andrew
CSS Grid LayoutCSS Grid Layout
CSS Grid Layout
Rachel Andrew128.2K views
Andreas Tschas - Pioneers - Building Startup Marketplaces in Europe & Asia - ... by Burton Lee
Andreas Tschas - Pioneers - Building Startup Marketplaces in Europe & Asia - ...Andreas Tschas - Pioneers - Building Startup Marketplaces in Europe & Asia - ...
Andreas Tschas - Pioneers - Building Startup Marketplaces in Europe & Asia - ...
Burton Lee57.5K views
7 ineffective coding habits many F# programmers don't have by Yan Cui
7 ineffective coding habits many F# programmers don't have7 ineffective coding habits many F# programmers don't have
7 ineffective coding habits many F# programmers don't have
Yan Cui709.5K views
A Guide to Facebook Advertising and Social Media Strategy by Galvanize
A Guide to Facebook Advertising and Social Media StrategyA Guide to Facebook Advertising and Social Media Strategy
A Guide to Facebook Advertising and Social Media Strategy
Galvanize6.6K views
Ultimate Guide to Funnel Optimization by Sean Johnson
Ultimate Guide to Funnel OptimizationUltimate Guide to Funnel Optimization
Ultimate Guide to Funnel Optimization
Sean Johnson379.3K views
how to build a growth hacking culture by Aaron Ginn
how to build a growth hacking culturehow to build a growth hacking culture
how to build a growth hacking culture
Aaron Ginn11.3K views
Using Analytics To Make Smart HR Decisions by BambooHR
Using Analytics To Make Smart HR DecisionsUsing Analytics To Make Smart HR Decisions
Using Analytics To Make Smart HR Decisions
BambooHR80.7K views
data science @NYT ; inaugural Data Science Initiative Lecture by chris wiggins
data science @NYT ; inaugural Data Science Initiative Lecturedata science @NYT ; inaugural Data Science Initiative Lecture
data science @NYT ; inaugural Data Science Initiative Lecture
chris wiggins213.8K views
Visualising Data with Code by Ri Liu
Visualising Data with CodeVisualising Data with Code
Visualising Data with Code
Ri Liu32.3K views
Acquire New Users with Better Activation by Conrad Wadowski
Acquire New Users with Better ActivationAcquire New Users with Better Activation
Acquire New Users with Better Activation
Conrad Wadowski281.4K views
Net Promoter Score Pitfalls to Avoid by Aureus Analytics
Net Promoter Score Pitfalls to AvoidNet Promoter Score Pitfalls to Avoid
Net Promoter Score Pitfalls to Avoid
Aureus Analytics44.4K views
Hype vs. Reality: The AI Explainer by Luminary Labs
Hype vs. Reality: The AI ExplainerHype vs. Reality: The AI Explainer
Hype vs. Reality: The AI Explainer
Luminary Labs497.8K views
13 Inspiring Quotes about Design by Ethos3
13 Inspiring Quotes about Design13 Inspiring Quotes about Design
13 Inspiring Quotes about Design
Ethos3595.9K views
Examples of Good and Bad Slides by Amanda627
Examples of Good and Bad SlidesExamples of Good and Bad Slides
Examples of Good and Bad Slides
Amanda62746.7K views
Bad PowerPoint Example by middletonat
Bad PowerPoint ExampleBad PowerPoint Example
Bad PowerPoint Example
middletonat82.3K views
TEDx Manchester: AI & The Future of Work by Volker Hirsch
TEDx Manchester: AI & The Future of WorkTEDx Manchester: AI & The Future of Work
TEDx Manchester: AI & The Future of Work
Volker Hirsch903.3K views
Startup Metrics for Pirates by Dave McClure
Startup Metrics for PiratesStartup Metrics for Pirates
Startup Metrics for Pirates
Dave McClure1.2M views
The Future Of Work & The Work Of The Future by Arturo Pelayo
The Future Of Work & The Work Of The FutureThe Future Of Work & The Work Of The Future
The Future Of Work & The Work Of The Future
Arturo Pelayo447.4K views
Good and Bad Power Point Examples Ed Tech by Lynnylu
Good and Bad Power Point Examples Ed TechGood and Bad Power Point Examples Ed Tech
Good and Bad Power Point Examples Ed Tech
Lynnylu229.6K views

Similar to Pollen VC Building A Digital Lending Business

The Power of Commission Payment Choice - Fragmob Technology Conference by
The Power of Commission Payment Choice - Fragmob Technology ConferenceThe Power of Commission Payment Choice - Fragmob Technology Conference
The Power of Commission Payment Choice - Fragmob Technology ConferenceHyperwallet
588 views23 slides
Prepare to join the App Millionaires Club by
Prepare to join the App Millionaires ClubPrepare to join the App Millionaires Club
Prepare to join the App Millionaires ClubPollen VC
2.7K views23 slides
Beyone Games: Using Mobile Payments to Jump-Start Customer Engagement by
Beyone Games: Using Mobile Payments to Jump-Start Customer EngagementBeyone Games: Using Mobile Payments to Jump-Start Customer Engagement
Beyone Games: Using Mobile Payments to Jump-Start Customer EngagementCentric Consulting
1.3K views40 slides
Unlocking digital opportunity in Southeast Asia by
Unlocking digital opportunity in Southeast AsiaUnlocking digital opportunity in Southeast Asia
Unlocking digital opportunity in Southeast AsiaPuja Pramudya
279 views73 slides
Digital marketing services by
Digital marketing servicesDigital marketing services
Digital marketing servicesDigiSciFi Technologies
155 views7 slides
Denis Terpanov, Pollen VC by
Denis Terpanov, Pollen VCDenis Terpanov, Pollen VC
Denis Terpanov, Pollen VCWhite Nights Conference
637 views19 slides

Similar to Pollen VC Building A Digital Lending Business(20)

The Power of Commission Payment Choice - Fragmob Technology Conference by Hyperwallet
The Power of Commission Payment Choice - Fragmob Technology ConferenceThe Power of Commission Payment Choice - Fragmob Technology Conference
The Power of Commission Payment Choice - Fragmob Technology Conference
Hyperwallet588 views
Prepare to join the App Millionaires Club by Pollen VC
Prepare to join the App Millionaires ClubPrepare to join the App Millionaires Club
Prepare to join the App Millionaires Club
Pollen VC2.7K views
Beyone Games: Using Mobile Payments to Jump-Start Customer Engagement by Centric Consulting
Beyone Games: Using Mobile Payments to Jump-Start Customer EngagementBeyone Games: Using Mobile Payments to Jump-Start Customer Engagement
Beyone Games: Using Mobile Payments to Jump-Start Customer Engagement
Centric Consulting1.3K views
Unlocking digital opportunity in Southeast Asia by Puja Pramudya
Unlocking digital opportunity in Southeast AsiaUnlocking digital opportunity in Southeast Asia
Unlocking digital opportunity in Southeast Asia
Puja Pramudya279 views
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruption by Agile Impact
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruptionPeterjan Van Nieuwenhuizen - Transformation vs Enterprise distruption
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruption
Agile Impact57 views
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruption by Agile Impact Conference
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruptionPeterjan Van Nieuwenhuizen - Transformation vs Enterprise distruption
Peterjan Van Nieuwenhuizen - Transformation vs Enterprise distruption
OfferSavvy Pitch Deck Oct 2014 by Justin W. Boggs
OfferSavvy Pitch Deck Oct 2014OfferSavvy Pitch Deck Oct 2014
OfferSavvy Pitch Deck Oct 2014
Justin W. Boggs1.5K views
Bootcamp Voor Groei by Taïs Croes
Bootcamp Voor Groei Bootcamp Voor Groei
Bootcamp Voor Groei
Taïs Croes451 views
The Big Willow overview and client uses cases by Neil Passero ★
The Big Willow overview and client uses casesThe Big Willow overview and client uses cases
The Big Willow overview and client uses cases
Neil Passero ★381 views
Qwikwire investment pitch deck 6 2014 by Gerry Cruz
Qwikwire investment pitch deck 6 2014Qwikwire investment pitch deck 6 2014
Qwikwire investment pitch deck 6 2014
Gerry Cruz1.1K views
Webinar 16th april digital marketing workshop for entrepreneurs & retailers by Social Beat
Webinar 16th april   digital marketing workshop for entrepreneurs & retailersWebinar 16th april   digital marketing workshop for entrepreneurs & retailers
Webinar 16th april digital marketing workshop for entrepreneurs & retailers
Social Beat252 views
Prepare to Join the App Millionaires Club | Martin Macmillan by Jessica Tams
Prepare to Join the App Millionaires Club | Martin MacmillanPrepare to Join the App Millionaires Club | Martin Macmillan
Prepare to Join the App Millionaires Club | Martin Macmillan
Jessica Tams318 views
Mad vid s pitch deck by rdeverywhere
Mad vid s pitch deckMad vid s pitch deck
Mad vid s pitch deck
rdeverywhere155 views

More from Pollen VC

Pollen VC Slides - Hyper Games Conference 2021 by
Pollen VC Slides - Hyper Games Conference 2021Pollen VC Slides - Hyper Games Conference 2021
Pollen VC Slides - Hyper Games Conference 2021Pollen VC
237 views29 slides
PollenVC Pocket Gamer Connects London 2020 by
PollenVC Pocket Gamer Connects London 2020 PollenVC Pocket Gamer Connects London 2020
PollenVC Pocket Gamer Connects London 2020 Pollen VC
271 views21 slides
The Most Important Metrics for Scaling Your User Acquisition by
The Most Important Metrics for Scaling Your User AcquisitionThe Most Important Metrics for Scaling Your User Acquisition
The Most Important Metrics for Scaling Your User AcquisitionPollen VC
271 views15 slides
How to Finance Your Growth A Metrics Based Approach - Martin Macmillan by
How to Finance Your Growth A Metrics Based Approach - Martin MacmillanHow to Finance Your Growth A Metrics Based Approach - Martin Macmillan
How to Finance Your Growth A Metrics Based Approach - Martin MacmillanPollen VC
9K views21 slides
Playcrafting - Mastering The Art Of Scaling Your Mobile Game by
Playcrafting - Mastering The Art Of Scaling Your Mobile GamePlaycrafting - Mastering The Art Of Scaling Your Mobile Game
Playcrafting - Mastering The Art Of Scaling Your Mobile GamePollen VC
1.2K views53 slides
Pollen VC: How To Successfully Launch Your Mobile Game by
Pollen VC: How To Successfully Launch Your Mobile GamePollen VC: How To Successfully Launch Your Mobile Game
Pollen VC: How To Successfully Launch Your Mobile GamePollen VC
2.3K views39 slides

More from Pollen VC(10)

Pollen VC Slides - Hyper Games Conference 2021 by Pollen VC
Pollen VC Slides - Hyper Games Conference 2021Pollen VC Slides - Hyper Games Conference 2021
Pollen VC Slides - Hyper Games Conference 2021
Pollen VC237 views
PollenVC Pocket Gamer Connects London 2020 by Pollen VC
PollenVC Pocket Gamer Connects London 2020 PollenVC Pocket Gamer Connects London 2020
PollenVC Pocket Gamer Connects London 2020
Pollen VC271 views
The Most Important Metrics for Scaling Your User Acquisition by Pollen VC
The Most Important Metrics for Scaling Your User AcquisitionThe Most Important Metrics for Scaling Your User Acquisition
The Most Important Metrics for Scaling Your User Acquisition
Pollen VC271 views
How to Finance Your Growth A Metrics Based Approach - Martin Macmillan by Pollen VC
How to Finance Your Growth A Metrics Based Approach - Martin MacmillanHow to Finance Your Growth A Metrics Based Approach - Martin Macmillan
How to Finance Your Growth A Metrics Based Approach - Martin Macmillan
Pollen VC9K views
Playcrafting - Mastering The Art Of Scaling Your Mobile Game by Pollen VC
Playcrafting - Mastering The Art Of Scaling Your Mobile GamePlaycrafting - Mastering The Art Of Scaling Your Mobile Game
Playcrafting - Mastering The Art Of Scaling Your Mobile Game
Pollen VC1.2K views
Pollen VC: How To Successfully Launch Your Mobile Game by Pollen VC
Pollen VC: How To Successfully Launch Your Mobile GamePollen VC: How To Successfully Launch Your Mobile Game
Pollen VC: How To Successfully Launch Your Mobile Game
Pollen VC2.3K views
Pollen VC App Promotion Summit 2014 by Pollen VC
Pollen VC App Promotion Summit 2014Pollen VC App Promotion Summit 2014
Pollen VC App Promotion Summit 2014
Pollen VC1.7K views
Alternative Funding for Game Developers by Pollen VC
Alternative Funding for Game DevelopersAlternative Funding for Game Developers
Alternative Funding for Game Developers
Pollen VC2K views
The Funding Gap by Pollen VC
The Funding GapThe Funding Gap
The Funding Gap
Pollen VC40.6K views
How to successfully launch your mobile game by Pollen VC
How to successfully launch your mobile gameHow to successfully launch your mobile game
How to successfully launch your mobile game
Pollen VC2.1K views

Recently uploaded

Custom Tag Manager Templates by
Custom Tag Manager TemplatesCustom Tag Manager Templates
Custom Tag Manager TemplatesMarkus Baersch
30 views17 slides
Shreyas hospital statistics.pdf by
Shreyas hospital statistics.pdfShreyas hospital statistics.pdf
Shreyas hospital statistics.pdfsamithavinal
5 views9 slides
Infomatica-MDM.pptx by
Infomatica-MDM.pptxInfomatica-MDM.pptx
Infomatica-MDM.pptxKapil Rangwani
11 views16 slides
Penetration testing by Burpsuite by
Penetration testing by  BurpsuitePenetration testing by  Burpsuite
Penetration testing by BurpsuiteAyonDebnathCertified
5 views19 slides
Product Research sample.pdf by
Product Research sample.pdfProduct Research sample.pdf
Product Research sample.pdfAllenSingson
33 views29 slides
CRM stick or twist workshop by
CRM stick or twist workshopCRM stick or twist workshop
CRM stick or twist workshopinfo828217
14 views16 slides

Recently uploaded(20)

Shreyas hospital statistics.pdf by samithavinal
Shreyas hospital statistics.pdfShreyas hospital statistics.pdf
Shreyas hospital statistics.pdf
samithavinal5 views
Product Research sample.pdf by AllenSingson
Product Research sample.pdfProduct Research sample.pdf
Product Research sample.pdf
AllenSingson33 views
CRM stick or twist workshop by info828217
CRM stick or twist workshopCRM stick or twist workshop
CRM stick or twist workshop
info82821714 views
[DSC Europe 23][DigiHealth] Muthu Ramachandran AI and Blockchain Framework fo... by DataScienceConferenc1
[DSC Europe 23][DigiHealth] Muthu Ramachandran AI and Blockchain Framework fo...[DSC Europe 23][DigiHealth] Muthu Ramachandran AI and Blockchain Framework fo...
[DSC Europe 23][DigiHealth] Muthu Ramachandran AI and Blockchain Framework fo...
Ukraine Infographic_22NOV2023_v2.pdf by AnastosiyaGurin
Ukraine Infographic_22NOV2023_v2.pdfUkraine Infographic_22NOV2023_v2.pdf
Ukraine Infographic_22NOV2023_v2.pdf
AnastosiyaGurin1.4K views
OPPOTUS - Malaysians on Malaysia 3Q2023.pdf by Oppotus
OPPOTUS - Malaysians on Malaysia 3Q2023.pdfOPPOTUS - Malaysians on Malaysia 3Q2023.pdf
OPPOTUS - Malaysians on Malaysia 3Q2023.pdf
Oppotus31 views
Games, Queries, and Argumentation Frameworks: Time for a Family Reunion by Bertram Ludäscher
Games, Queries, and Argumentation Frameworks: Time for a Family ReunionGames, Queries, and Argumentation Frameworks: Time for a Family Reunion
Games, Queries, and Argumentation Frameworks: Time for a Family Reunion
K-Drama Recommendation Using Python by FridaPutriassa
K-Drama Recommendation Using PythonK-Drama Recommendation Using Python
K-Drama Recommendation Using Python
FridaPutriassa5 views
LIVE OAK MEMORIAL PARK.pptx by ms2332always
LIVE OAK MEMORIAL PARK.pptxLIVE OAK MEMORIAL PARK.pptx
LIVE OAK MEMORIAL PARK.pptx
ms2332always7 views
Best Home Security Systems.pptx by mogalang
Best Home Security Systems.pptxBest Home Security Systems.pptx
Best Home Security Systems.pptx
mogalang9 views

Pollen VC Building A Digital Lending Business

  • 1. BUILDING A DIGITAL LENDING BUSINESS RITESH THADANI 1
  • 2. BUILDING A DIGITAL LENDING BUSINESS Building a Digital Lending Business ABOUT POLLEN VC • 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 *Source:Vision Mobile Developer Economics Survey Feb 2014 2
  • 3. BUILDING A DIGITAL LENDING BUSINESS PROBLEM: PLATFORMS ONLY PAY OUT REVENUE UP TO 60+ DAYS AFTER YOU’VE EARNED IT. LAUNCH You’re earning money from day 1 This is your money trapped in the payment system Platforms release your cash… 3
  • 4. BUILDING A DIGITAL LENDING BUSINESS Reinvest directly into advertising Acquire more users more quickly Draw down earnings on a daily basis A NEW WAY… 4
  • 5. BUILDING A DIGITAL LENDING BUSINESS TYPICAL LAUNCH SCENARIO LAUNCH Fail to get credit with ad networks Can’t reinvest to acquire more users Get paid by platforms DOWNLOADS REVENUE Revenue/Downloads Jan 2015 Feb 2015 Mar 2015 Apr 2015 May 2015 Jun 2015 Jul 2015 5
  • 6. BUILDING A DIGITAL LENDING BUSINESS 6
  • 7. BUILDING A DIGITAL LENDING BUSINESS FUNDING FOR FINTECH Building a Digital Lending Business Amount $ Capital Markets Banks Family Offices Equity Capital Data/Model Validation 7
  • 8. BUILDING A DIGITAL LENDING BUSINESS DIGITAL Creation and shipping of physical goods Invoices created at end of month and posted/emailed. Paid 30,45,60 day terms Advertising booked weeks in advance - eg TV campaigns, direct mailings Factoring/Discounting solutions available to shorten cycles at a cost App Store Marketplace - Real time economics Consumers purchase digital product real-time - billed to credit cards instantly Advertising purchased in real time through RTB exchanges Lack of financial products eg invoice financing 30 days is a long time. 60 days is an eternity! VS OLD WORLD COMPARISON PHYSICAL 8
  • 9. BUILDING A DIGITAL LENDING BUSINESS STRUCTURE 9
  • 10. BUILDING A DIGITAL LENDING BUSINESS GROWTH IN THE LONG TAIL Building a Digital Lending Business •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 10