This document discusses providing financial wellness benefits to employees through alternative lending programs with lower interest rates than predatory lenders. It proposes using alternative credit scoring based on work performance and financial data to provide microloans to employees through a partnership with employers. The program aims to help address the $140 billion informal loan market with interest rates up to 480% by offering loans at 15% interest through the employees' workplace. It has provided over 1,300 loans with bad loans under 1% by leveraging predictive analytics of employee data.

1. Financial Wellness Benefits
for Heartful Employers

2. PROBLEM
$3,500
Avg Loan per person
upto
480%
interest rate
7/10
Financial problem
& illegal loan

3. $140 BILLION
$10
BILLION
Formal Loan Market Size
(personal loan)
INFORMAL LOAN MARKET SIZE

4. Ignore? Help?

5. Lending Facilities &
Financial Wellness Benefit
for heartful employers
(no-credit-bureau)

6. HOW IT WORKS?
Alternative
Credit Scoring
Financial EducationMicro Loan

7. HOW IT WORKS?
Alternative
Credit Scoring
Financial EducationMicro Loan

8. HOW IT WORKS?
Alternative
Credit Scoring
Financial EducationMicro Loan

9. 1.5X – 5X Salary
10X Salary
CREDIT PRODUCTS INFORMAL
LOAN
UNLOCK!!
Interest rate
15%
0.5X Salary
Month 0 Month6 Month12++

10. 0
00
00
00
00
00
00
00
Oct Nov Dec Jan Feb Mar Apr May Jun
PAST RECORD
1,300 Loans
4X
lower than
traditional lending
<1% Bad-loans

11. PREDICTIVE TURNOVER FOR CREDIT SCORING
Work Performance
Time-Attendance
Personal Finance Information
Mobile & Social Data
BAD LOANS <<1%

12. BUSINESS MODEL
15%
on interest rate
2019 Revenue
$450,000

13. GO TO MARKET
4
HR Software platforms
500,000+
Users access
20+
Strategic Partners
50,000+
Employee pool
$2 BILLION
Loan Origination Worth

14. SUCCESS
4,000+
Employee pool
200,000+
Users access
GLOBAL
Network

15. OUR TEAM
30+ Yrs
consumer finance
Life time commitment
social development
20+ Yrs
software development

16. “
”
Real power
comes by
Empowering
others