Investment Schemes

The Opportunity

The Problem We Solve

1. 1. Consumers - Need products now but lack upfront cash or access to affordable credit.
2. 2. Merchants - Want to sell more but struggle with customer purchasing power.
3. 3. Investors - Seek alternative credit assets with better visibility and recovery tools.

Our Solution

1. 1. Customer acquisition and eligibility assessment
2. 2. Credit evaluation focused on salaried workers
3. 3. Product and service marketplace
4. 4. Financing coordination with capital partners
5. 5. Automated and structured repayment via salary channels
6. 6. Collections and customer management support

Why This Is Attractive for Investors

1. 1. Salary-backed repayments - Higher visibility of income source compared to informal lending
2. 2. Targeted customer segment — Focus on workers with verifiable employment and income
3. 3. Structured product — Clear loan cycle tied to real asset purchases (not cash loans)
4. 4. Operational support — Pine.ng handles customer acquisition, underwriting support, and collections coordination
5. 5. Scalable model — Ability to grow volume as more customers and merchants join the platform
6. 6. Diversification — Access to a growing consumer credit segment outside traditional bank lending

Risk Management Approach

1. 1. Customer Default - Focus on salaried workers, eligibility checks, salary-linked repayment
2. 2. Fraud - Identity verification (NIN/BVN), employment validation, device & behavioural checks
3. 3. Collections - Structured reminders, salary deduction channels, and escalation processes
4. 4. Product Risk - Financing is tied to tangible product purchases
5. 5. Concentration Risk - Portfolio spread across multiple customers, employers, and product categories

Partnership Models Available

1. 1. Deal-by-deal funding — Partner funds specific approved purchases
2. 2. Portfolio funding — Capital allocated to a pool of BNPL transactions
3. 3. Risk-sharing arrangements — Defined risk and return participation
4. 4. Preferred partner status — Priority access to quality deal flow

Next Step

1. 1. Share more detail on our current portfolio approach
2. 2. Discuss sample deal structures
3. 3. Explore a pilot partnership
4. 4. Provide additional information on customer profiling and repayment performance