Mobilender is an exclusive mobile app-based micro-lending company operating in Latin America. It provides small, short-term loans ranging from $5 to $500 with approval in 15-30 minutes using a social network-based algorithm. The company has issued over 1,000 loans since launching in mid-2014, with an average loan amount of $100 and term of 12 days. Mobilender is seeking a Series A funding round of $2 million to expand operations and lower its default rate below 10%. Its long term vision is to build the first mobile bank in Latin America offering a range of financial services through its MobilBank ecosystem.

1. Easiest, Fastest and
Securest way to get a Loan
in LATAM
Antonio Eram - Co-Founder

2. Mobile App Exclusive Micro-Lending Company
Social network based Algorithm
-Apply from anywhere in very easy steps.
-Small amounts, from $5 to $500 USD
-Short term, from 5 to 30 days
-1% day interest rate plus fees
-Fast approval 15 - 30 minutes
-Service 24/7
What is Mobilender?

3. Introduction VIDEO

4. 10 biggest lending companies: $1.2B turnover
300% increase in volumes in 3 years
At least 4 of them have $15M in turnover
IT’S A BIG BUSINESS
GLOBAL FACTS

5. Wonga Mr. Lender PAYDAY UK (DFG)
TURNOVER $1.2 Billion $300 Million $1 Billion
YEARS IN
OPERATION
6 YEARS 3 YEARS 5 Years
PROFIT after tax $84.5 M pounds
(2013)
$10 Million pounds
(2013)
$60 M pounds (2013)
PRESENCE IN UK, Poland, South
Africa, Spain, Canada
UK Canada, UK, US
Sweden, Finland,
Czech Republic,
Spain
Global facts - small & fast loans

6. Team :
Rodrigo
Cobos
(CEO)
Farzad
Abolfathi
Joaquín
Delgado
Rigoberto
Cobos
Saeed
Amidi
Miguel
Mencía
(MKT Director)
Antonio
Eram
Development & Operation Investors & Advisors

7. Antonio Eram
IT Director
Felix Crisan
CTO
Cristian Dumitru
Web Developer
Mihai
App Developer
Rodrigo Cobos
CEO
Miguel Mencía
CMO
Miguel Montes
COO
Call CenterMarketing
Team
Óscar Castellanos
Chief Designer
Alex Duduta
Algorithm Developer
Accountant/Lawyers
Boards and Advisors
Team Structure (15 people)
Board of Directors

8. Today Status :
-Mobile exclusive lending platform, exclusive target market
(Middle-High Income young people)
-Launched mid 2014: +1,000 loans issued
-Average loan Term: 12 days, Average amount: $100
-Social Networking based algorithm for Credit Scoring
-Default rate is 5%
-Exclusive advertising on Facebook & Twitter: CPA ~$12 USD

9. HOW DO WE COLLECT MONEY?
TAKING DOWN LOANS RISK
-Addressing Automatically the Money from Client’s
bank account.
-Call Center specialized on collecting
-The use of Social Networks
-Credit Bureau
-In some cases “Parental Force”

10. ALGORITHM
TAKING DOWN LOANS RISK
USER DATA
PERSONAL
INFORMATION
(Thousands
Combinations)
ALGORITHM
The algorithm gives us an
accurate grade in order to
know if a customer is or
not a candidate to get a
loan.
RejectedRejected
Approved
Loan
Approved
Loan`
Rejected
Loan

11. WHY DIFFERENT?
COMPETITIVE ADVANTAGES
1. Mobile App Exclusive
2. Algorithm
3. 24/7 Service
4. Automatic Collection Process
5. Fastest Response (Max 30 mins)
6. Shortest and Easiest Request Form
7. Design for any Market

12. Partners :
Raised $1.5M USD (4M Valuation Cap)

13. Next Steps :
-Looking For Round A: 2M USD in a 10M USD
Valuation Cap (Needed for Granting Loans &
Improvement on Platform)
•Reach 2.000 loans/mo (Break Even) in the next 6 mo
•Increase Loan value to $200
•Hold default rate under 10%
•Expand into LATAM (Costa Rica, Panama, Colombia)

14. THE BIG Picture :
Creating the First
Mobile Bank in LATAM
To build a complete Infrastructure for
Payments, Lending, Merchant and
Customer services.

15. MobilBank Products/Divisions:
Mobilender
Lending Services
MobilPay (3rd
Q 2015)
Payment and Merchant Services
Batoamigo (4th
Q 2015)
Peer to Peer Lending
MobileSave (1 Year)
(WE OWN A BANK LICENSE)
Deposits/Savings Account

16. MobilPay Wallet NOW!:
-Leading mobile payment service in Romania, launched in
2013 in partnership with MasterCard Europe (200 Million
Euros in Transactions per Month)
-Implementation for payments (on and off-line) multiple
payment methods, technologically advanced
(QR, NFC, BTLE, push2pay) solution
To be deployed in Q3 2015 in MX in partnership with local
merchants.

17. MobilBank Ecosystem :
MobilBank
online / mobile payments
money transfer / remittance
loyalty programs
other currencies
Micro-Loans
Bitcoin/other E-
Money
MobilPay Wallet
MobiLender
Banking Services
Card Issuing / Deposits
Savings, Working Capital
offline acceptancemobile POS / vending
offline acceptancemobile POS / vending online / mobile acceptance
Peer to Peer Lending BatoAmigo

18. Thank you