SlideShare a Scribd company logo
1016 | Investor Presentation 1
2
2
Borrowers don’t have a simple way to shop & receive the
best loan rates.
Lenders don’t have a cost-effective way to acquire
borrowers online.
No Marketplace Exists to connect both Borrowers
and Lenders in a transparent environment.
Why Citrus?
3
Millions
New Searches
Every Day Millions of Potential
Borrowers Search for Credit
Small %
Funded
Missed
Opportunity
=
4
4
Online Loan Searches Are Confusing
• 100s’ of Options
• All Look The Same
• Who to Trust?
5
Search,Apply, Repeat…DECLINED!
Apply, Repeat……DECLINED!
Apply, Repeat……DECLINED!
Apply, Repeat……DECLINED!
Filling Out Multiple Applications
on Comparison Sites is Extremely
Inconvenient & Inefficient
Meet Citrus, One Application is All it Takes
Intuitive Customer Experience
We’ve Modernized The Way People Apply For Credit
Desktop
Mobile
Citrus Technology has the
Power to Sort & Choose Among
100,000+ Loan Quotes in Under
1 Second.
• Custom APIs
• Pre-Approved Rates
• Real-Time Matching
9
We Match Borrowers with Lenders
Offering The Best Rates, Not Highest
Bids
Pre-Approved, Best Rates (API)
100% Empowerment & Transparency
Highest Bid
10
Citrus Thinks Like a Lender
We Use Data Mining & Analytics to Find The “Goods”
• Algorithms Predict Response &
Approval
• Engineered to Lower Losses &
Acquisition Costs Over Time
• Ability to Process Performance
Data For High Predictability
11
Customers Save More
& Spend Less
Time
Save Money
12
Lenders Get More
& Spend Less
CAC Credit Quality
13
1-3%
FUNDED LOAN
Citrus Makes $$$ When
Borrowers Get Funded.
Everyone Wins.
14
In a $290 Billion
Addressable Market
15
$10B
LOANS ISSUED
$680M
P2P RETURNS
Citrus Will Help 1M+ People Get
a Loan Over The Next 5 Years.
based on an average 6.81% net return
16
Citrus is The Right Company at
The Right Time
Team Customers Quality UX
• 40 Years Consumer Finance
• $1Bn Originated
• $195M Exit
17
Citrus
A Marketplace for
Borrowers & Lenders
Debt Auto
Medical Student
Borrowers Online Lenders
18
Q & A

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