This document describes a proposed Growth Bond product that would provide structured advertising loans to small and medium-sized enterprises (SMEs). The key points are: 1. Growth Bond would provide easy access to capital for SMEs to grow their businesses through online marketing and freelance work. Loans would be repaid automatically from increased revenue. 2. By connecting SMEs to 2 billion customers on platforms like Facebook and 40 million freelancers, Growth Bond aims to help SMEs scale more easily. 3. The business model involves paying freelancers on behalf of SMEs using loan funds, then taking a 10% commission on any increased revenue from the resulting online marketing campaigns.

1. GROWTH BOND
F a c e b o o k a d v e r t i s i n g l o a n s

2. The governments of the world have spent hundreds and hundreds
of trillions of dollars bailing out a decaying, dickensian, outmoded
system called banking, when the solution to the future of finance is
peer-to-peer. It’s going to be alternative currencies like bitcoin and
it’s not actually going to be a banking system as we had before
2008.
Patrick Young, Financial Analyst
TIME FOR CHANGE1

3. Imagine if every business would have easy and structured access to
grow their business with online marketing and an on-demand
workforce in a completely automated way to reduce the
administrative burdens of SME’s
VISION2

4. SME’S ARE VITAL FOR THE ECONOMY3
99,7%of all businesses are small businesses

5. Source: European Commission Enterprise and Industry
5
10
10
10
10
10
18
22
24
42
46
62
96
145
0 20 40 60 80 100 120 140 160
DefinitionofSMV
Ins tability world ec onomy /energy costs
Agang toinformation and advice
Access to internalmaked
Latepayments
Access to EU programs
Access to theinternalmar ket
Labour
Unfair /fier cec ompetition
Access to public procurement c ontrac ts
Lack of sk ills
Taxation
Access to capital
Administrativeburdens
Numberof replies
PROBLEMS FOR SME’s4

6. GLOBAL OPPORTUNITY
6
5
Direct Access to 2B
Customers Worldwide

7. GLOBAL OPPORTUNITY II
7
6
40M Freelancers Worldwide
Ready To Scale The Business

8. REPAYMENT
Automated repayment of the loan
from your online payment gateway,
paypal or your credit card.
APPLY
Forget about the long approval process
and lengthy business plans. All we need
is access to your facebook advertising
account and initial campaign data.
MONITORING
Track the cost of capital for your
marketing campaigns and we only take
a 10% commission on your increased
revenue.
Scale your business with Growthbond and get direct and unlimited access to capital and 2B
customers on Facebook/Google/linkedin and 40M freelancers on Upwork/freelacer.com
THE FUNDING
We pay out the money gradually as
payment to your facebook campaign to
ensure your not taking to much risk on
your campaigns.
SOLUTION: STRUCTURED ADVERTISING LOANS FOR
SME’S MANAGED BY MARKETING PROFFESSIONALS
7

9. 9
COST
REVENUE
Loan
Repayment
INVEST
Revenue
AUTOMATED DISPURSEMENT AND REPAYMENT8
Online marketing + Freelancers
Payment gateways

10. $500
(2,5%)
$1.500- =
Delivery Cost Gross marginService Fee
BUSINESS MODEL9
$2.000 USD
(10%)

11. $ 355B
25M 1/year
$1.500
$37 BN
Total internet
marketing
budget globally
SME’s in EU Average number
of loans/company
Average margin
Addressable market
in the EU alone
HOW BIG IS THIS?10

12. LOAN APPLICATION PRODUCT11

13. Structured Niches
Platforms
P2P LendingDirect lending
COMPETITION12

14. READY?
f o u n d e r s @ g r o w t h b o n d . b i z