Very High Annual Return

We are seeking up to $10,000,000 for this program and will pay investors a fixed 30% Annual Rate, which is paid to the investor monthly at the rate of 2.5% on all funds invested in the program.   We have a partner bank backing this program, so all investor funds are FDIC insured up to $250,000 and through the IntraFi network of banks, through ICS and CDARS, funds can be insured up to $5 million.

Details:
When local merchants need money urgently because their credit card transactions will not be available in their bank account for 1 - 2 days, they request a loan from our partner credit card company.  The company sends the merchant the money they requested (Instant Deposit) minus a 1% fee.  Let's say the merchant requests $5000.  The company would send the merchant $4950.  In 2 or 3 days at the most, when the credit card transactions clear, the credit card company receives all $5000 and therefore keeps the $50 fee of 1%.  This cycle repeats like this across a couple thousand merchants and the holding account that sends the merchants their money can turn over about 2 times a week and maybe 8 - 10 times per month.  Even at a churn of 8 times per month, for the money in the holding account, at a 1% fee each time, that is 8% per month and 96% per year that the company earns on the money in their holding account.  This is why the company can cut the investor in on a 30% annual return, because they're making 96% annually. There currently is far more demand from merchants, than the company has money to meet. About $10 million in these instant deposit transactions occur monthly and the company easily has demand for about $35 million right now and is projected to be at $100 million into 2024.  This demand is the reason for raising $10 million today.

This program is very profitable for any investor and there is no risk like an equity investment where the company you invest in goes bankrupt and you lose all your money.  Since the credit card company also performs banking services for their merchants, they leverage the charter of an FDIC insured bank.  All investor funds sit in an FDIC insured account, for the utmost peace of mind.

I can send a PDF slide deck detailing the whole process upon request.  Please reach out today to invest, or with any questions you may have.

Thank you for your consideration!