Our Values and Offerings for Micro businesses abd volumes

1. Cash Flow Management Platform for Micro Businesses in India
On-Time Payment Collection & Disbursement

2. Micro Businesses such as News Paper vendors face a severe challenge of Collecting & Tracking
Customer Payments On-Time
This results in
▪ Delays & Defaults
▪ Working Capital Problems
▪ Strained Relationships with Vendors & Customers
More than USD 250B flows through 10M+ Micro Businesses every year
Problem

3. Why is this Problem still not solved?
The opportunity to solve has emerged only in the last 2 years, with emergence of UPI and Mobile Wallets
Solutions that are evolving, focus on SME’s with revenue upwards USD 1M
Micro Businesses have Minimal Online Presence, Limited Technical & Accounting Knowledge

4. Why SpiderG is a good fit
▪ Customized for the target market – Smart
Mix of Existing Solutions
▪ Smart Payment Reminders & Easy Payment
Tracking
▪ No Payment Solution Integration Required
▪ Recurring or One Time E-bills with payment link
▪ One click payment disbursement
Accounting
Software
Payment-In
Solutions
Payment-Out
Solutions
EFT, Cheque, Cash
Mobile Wallets, Payment
Gateways, EFT, Cash
Such as Zoho Invoice,
Quickbooks

5. MICRO BUSINESS
Payment Tracking
Auto Re-conciliation
How SpiderG Works
Salaries & Reimbursements
Vendor Payments
ONE CLICK PAYMENT
OUT
E-bill with payment link
Payment through Cards, Wallets,
UPI
PAYMENT IN
PAYMENT PARTNERS
Payment-In: Razorpay, Google Pay, PayTM
Payment-Out: ICICI Bank
Smart Payment Reminders
Bill disputes handled easily

9. Competitive Landscape

10. Target Market
✓ Micro Businesses with Annual Recurring
Income of less than USD 60,000
✓ Limited Touch Points with Customers
✓ Low Price Service Offerings and Large
Number of Customers
Rental Companies
Furniture, HomeAppliances,
Medical Equipment
News Paper Vendors
Hostels & PG
Schools & Day Care
School Bus Operators
Gyms & Fitness
Centres

11. -
20,000
40,000
60,000
80,000
1,00,000
1,20,000
JAN- 19 FEB-19 MAR- 19 APR- 19 MAY- 19
MONTHLY RECURRING INVOICES
Proof of Concept: Mar’ 19 – May’
19

12. 2019 2020 2021 2022 2023 2024
▪ 1% Charge on Payment-In
▪ 0.5% Charge on Payment-Out
Commission on Loan
▪ Marketing – Through Invoices
▪ Invoice Discounting
Revenue Model

13. The Opportunity is Big
Average Invoice Value =
INR 600
Average Number of
Customers = 200
Average Number of
Employees = 5
10M+ Micro
Businesses
50%+ is Cash
B2B Transactions are
primarily Cheque Driven
Limited Access toCapital
USD 250B+
Transactions
Annually
Digital Payments Started
Post 2016
Smart Phone, 4G,PayTM,
Facebook, WhatsApp has
introduced TechLiteracy
Fairly New Market
No Customized Solution
Perceived Value of
Software is Low
Not Comfortable in Paying
Software Charges
No Major Player

14. And, The Timing is Just Right
USD 1 Trillion
Size of Digital Payments
Market by 2023
349% Increase
In UPI Transactions
between March 2018 &
March 2019

15. Goal 2020
0.5
1
1.5
3
2.25
4
5
0.15
Q1 2019 Q2 2019 Q3 2019 Q4 2019 Q1 2020 Q2 2020 Q3 2020 Q4 2020
10,000 Businesses On-Board
Payment-In = USD 10M per month
Payment-Out = USD 8 M per month

16. Team
Harshal Ingale
@SpiderG: Product
@Past: 9+ years of experience in
Entrepreneurship & Semiconductors.
Filed various patents
Ashwani Rathore
Founder & CEO
@SpiderG: Growth, Investments
and Overall Strategy
@Past: 12+ years of experience in
Entrepreneurship, IT & Consulting
Education: AIM Manila (MBA) |
NIT Allahabad (B.Tech)
Abhishek Kashyap
@SpiderG: Sales
@Past: 9+ years of experience in
Corporate Sales & Business Development
Education: AIM Manila (MBA) | RV
College (B’lore)
Mayank Gupta
@SpiderG: Operations & Marketing
@Past: 12+ years of experience in
Entrepreneurship, IT & Consulting
Education: CUHK (MBA) | Chicago Booth
(MBA) NIT Allahabad (B.Tech)

17. Ashwani Rathore
ashwani.rathore@gladiris.com
+91 90965 36286
C-35, Liberty Phase 2, Koregaon Park, Pune