We are on a mission to build the world's smartest car finance advisor.

2. Empowering customers to take control of their car finance.
Car Credible is a platform that identifies switching and saving
opportunities in a smart and easy way.
Introduction

3. Problem
• Car finance can be confusing and is frequently
misunderstood.
• Often the buyer is unsure of whether they have a good deal
or not.
• Many customers are unaware of what they are entitled to do
under their existing finance agreement.

4. Solution
• We make it easy for customers to understand car finance.
• Our platform will assess their current deal within seconds
through our algorithm.
• Whilst proposing the best alternative car finance options.

5. Size of Opportunity
38mTotal cars in the UK
(approx)
18mCars on finance in the market
(estimate)
Car buyers in the UK borrowed over £36.9 billion
in 2018 financing their cars.
5.1mTotal car financed per year in
the UK (approx)

6. Go to Market
• We will launch Car Credible with a focus on customers with an
existing finance agreement in place.

7. The Platform
• A single platform to manage
and monitor car finance.
• Car Credible can identify
switching and saving
opportunities.
• A structured communication
strategy designed to contact
the customer at key points.

8. Financial position explained
Cost(£)
0
10,000
20,000
30,000
40,000
Years
0 1 2 3
GMFV
Car Depreciation
Positive equity - Deal 1
Negative equity - Deal 2
Our algorithm calculates:
• Car values
• Loan to value
• Early settlement figure
• Minimum new spend
Take control of your car
finance.

9. Strategy
Customer-centric Platform
powered by customer data
M
id-term
Renewals
M
oney-saving
switch
Returns
Renewals
• Understanding whether the customer has
positive equity in the deal, creating a mid-
term renewal.
• Identifying money-saving switch
opportunities offering a better APR.
• Establishing if they are in negative equity
and able to terminate the agreement
under the half rule.
• Knowing when in the agreement lifecycle
the customer is going to finish their deal,
a classic renewal.

10. Branding
InfluencerSEO/PPC
Digital
Social Media
Advertising
Content
Email
Marketing Strategy

11. Market Position
Dealer
Groups
Sytner, Lookers &
Pendragon
Industry
finance
Alphera, Santander &
Black Horse
Second-Hand
Groups
Car Giant, Big Motoring
World & Motorpoint
Bank
Loans
HSBC, Barclays & Natwest
Online
Finance
Car Finance 247, Midland
Credit & Money Super
Market
Sales Digital
Sales traditional
Finance
digital
Finance
traditional
Personal
Bank loans
Industry
Finance
Car Credible
Dealer Groups &
Manufacturer Finance
Second-Hand Dealer
Groups
Online-Finance
Companies
Key

12. The Tech
• Everything is completely
serverless and the entire
infrastructure will
be defined as code.
• With the focus being on AI,
RPA, Big Data and Cloud as
the technologies set to
transform
the industry.
HTML, CSS JavaScript, etc
Authentication
Dynamic API
calls over HTTP
Amazon S3
Amazon Cognito
User Pool
Amazon
Aurora
AWS
LAMBDA
Amazon
API Gateway
Web
Browser

13. Business Model
• Lead generation £500 per lead
• Upselling insurance services
• Primary platform partners

14. Use Of Funds
• £550k investment
• Build a team (3 developers and 2 marketing)
• Product Development
• Customer acquisition

15. Jae Chalfin – CEO
A decade of experience in
Marketing, Sales, Biz Dev & PLC
Management. Founded and
developed GiveMeSport into a
leading next-generation media
company and took it public in
Canada achieving a market cap in
excess of $150m.
Ian Bailey – CSO
Brings 40 years of Senior
Management inside the motor
industry. Then went on to write and
develop the mathematics
behind PCP financing with the HAC
Group and in partnership with Ford.
Niall Hughes – COO
An experienced process-driven
manager with industry experience
in information security. A
background in software
development and a proven track
record in leading and developing
innovative global cloud-based
solutions.
The Team

16. Thank you