auxmoney - NOAH17 London
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Raffael Johnen, CEO of auxmoney, discusses auxmoney's mission to make lending more accessible and efficient through their marketplace model. By cutting out banks as middlemen, auxmoney is able to provide loans to borrowers that banks reject, opening up a new market. Auxmoney has funded over 1.5 billion euros in loans to help over 4 million people who were wrongly rejected by banks. Their use of technology and data-driven scoring allows them to continually improve and lower costs, benefiting both borrowers and investors.
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auxmoney - NOAH17 London
- 1. NOAH 17 Raffael Johnen, CEO auxmoney London, 3 November 2017
- 2. Three Conferences, One Mission: Empower the European Digital Ecosystem To provide a physical marketplace that facilitates funding of digital European companies at all stages Mission Mission Mission Connecting Capital with Entrepreneurs Connecting European Champions and Challengers Connecting Israel’s Startups with Large Corporates and Investors 30-31 October 2018 Old Billingsgate, London 6-7 June 2018 Tempodrom, Berlin 13-14 March 2018 Haoman 17, Tel Aviv To promote Israel - European relationships and enable funding To bring together future-shaping executives and investors active across segments driven by digital revolution
- 3. Our Mission: We make people independent from banks by making loans widely accessible through a marketplace
- 4. Marketplace model makes lending more efficient On auxmoney.com retail and insJtuJonal investors directly invest into private loans Scoring UnderwriJng OriginaJon Servicing No inherent risk No branches Use of technology Lenders Borrowers Principal & Interest Funding OriginaJon Fee By cuRng out the bank as a middle man, lending becomes more including and seamless. Servicing Fee
- 5. auxmoney’s leading credit scoring Borrower Investors Proprietary system for risk assessment • Rapid loan decision • Broad access to loans • Great customer experience • Longstanding track record of aTracJve risk-adjusted rates of return • Simple access to scored loans Data Recent credit situaJon TransacJon data Behavioural data ApplicaJon data Credit history Job situaJon Income Web data VerificaJon Model UnderwriJng Model Scoring Model Pricing Model Fraud Model
- 7. We brought a new approach to lending thereby unlocking a new market COMMON POTENTIAL › €22bn yearly potenBal › Banks increasingly referring borrowers to auxmoney to beZer serve their clients Hairdresser 15.000 € Daycare foundaJon 10.000 € Weltreise Weltreise World trip 5.000 € Moving into a new flat 7.000 € “Without the private investors of auxmoney it all would not have been possible“ Gigi Wick, Daycare founder Stephan Swart, Self-employed Stephan Reitmaier, Student Gigi Wick, Business founder, /entrepreneur Tanja Jaksche, Employee on probaJon period
- 8. Historic funding in the European fintech landscape to further deliver on our mission Driving Financial Inclusion Customer Benefits Unlock new channels 1,500,000,000 EUR Serving a potenJal of 4m people wrongly rejected by banks Higher amounts, longer credit periods and new products We empower banks to serve their clients beTer through our marketplace
- 10. Everyday our loans get cheaper and our investor get higher risk-adjusted returns 3 Lower interest rates BeTer credit performance 5 1 Quality borrowers at lower 4 acquisiJon costs More transacJons More Borrowers More Investors More data Stronger track record & increased investor trust 2 Increased investor confidence drives lower risk premiums
- 12. Selected Completed NOAH Transactions Focus on Leading European Internet companies Covering over 400 companies across 25 online verticals, a broad range of over 500 investors as well as 100+ online-focused corporates Deep understanding of industry dynamics Ability to add value beyond banking advice Facilitates overall process and minimizes management distraction NOAH Advisors is globally well connected and has direct access to virtually all key players in the industry Knowledge of and strong relationships with potential buyers’ key decision makers Proactively finds and unlocks attractive investment opportunities for leading investors Annual NOAH Conference in its 8th year Over 40 years of combined relevant M&A experience Routine execution of M&A and financing transactions with sizes of several billion euros 30 successfully completed NOAH Advisors transactions underline successful transfer of M&A competencies to the Internet sector Entrepreneurial mind-set, focused on growing the business and establishing a reputation for excellence Ability to deliver top results in short time frames Highly success-based compensation structures align interests of clients and NOAH Advisors, and demonstrate conviction to deliver top results Creative deal solutions December 2014 September 2014 October 2014 May 2014 Sale of 100% of for $800m to Exclusive Financial Advisor to Fotolia and the Selling Shareholders Sale of 100% of for €80m to Exclusive Financial Advisor to Trovit and its Shareholders Sale of controlling stake in to Exclusive Financial Advisor to Facile.it and its Shareholders sold 100% of for $228m to a joint venture between Exclusive Financial Advisor to Yad2 and its Shareholders Unique Industry Know-How Unmatched Network and Relationships Strong Investment Banking Competence Full Commitment - We Are Entrepreneurs! EUROPE’S LEADING INTERNET CORPORATE FINANCE BOUTIQUE September 2016October 2016 December 2016 Financial Advisor to Oakley Capital ® Marco Rodzynek Managing Director & Founder marco.rodzynek@noah-advisors.com Jan Brandes Managing Director jan.brandes@noah-advisors.com Justus Lumpe Managing Director justus.lumpe@noah-advisors.com The NOAH Advisors Core Banking Team Nikhil Parmar Director nikhil.parmar@noah-advisors.com Acquisition of a Majority Stake in by from at a valuation of €300m Investment in Exclusive Financial Advisor to KäuferPortal and its Shareholders by 84% Ownership Financial Advisor to Silver Lake Investment in by August 2017 Financial Advisor to EMK Capital Acquisition of a Majority Stake in by at a valuation of $200m