
Asset Direct
A Groundbreaking Global Financial Services Marketplace
A Groundbreaking Global Financial Services Marketplace
Watch an additional interview with our CEO for more information about our growth, both domestically and globally, and to further understand why we chose a SAFE investment.
Much of the world’s population is underbanked and/or has difficulty accessing credit and other financial products–this is a +$500BN global opportunity that no other company has been able to effectively solve at scale.
In order to bank the underbanked, we are creating the world's first truly global network of financial sales agents, where thousands of agents around the world drive traffic to our global network of financial service partners that service the underbanked. Whether it be small local shop owners earning revenue to support their families or large businesses expanding their financial service offering, our network creates a new revenue opportunity for our agents while making financing options more accessible to individuals around the world.
Our award-winning platform already has over five hundred thousand users and has generated millions in commissions. The overall goal is to use our global network to cost-efficiently scale into the world's largest marketplace of financial products and services, focused on banking the underbanked (up to 6 billion people).
Reasons To Invest
Defined Market Need
Much of the world’s population is underbanked and/or has difficulty accessing credit and other financial products. While other consumers, who are banked, are limited by lack of choice and flexibility in products from their financial institution–this is a +$500BN global opportunity.
Product Developed and Ready to Scale
Visible to over 1.9 million customers in 2021; 500,000+ active users driving 7,000+ product applications per week. Active in 2 markets globally and scaling into a 3rd early next year.
Changing People's Lives & Communities for the Better
Our global network of financial sales agents creates the opportunity to change the lives of up to 6 Billion financially underserved people globally.
Significant and Stable Revenue Growth
Since founding Asset Direct, we have realized significant and stable revenue growth year-over-year; even through the pandemic, revenue growth did not decline.
The Problem

Over 6 Billion People don’t meet basic requirements of traditional providers, and many prime customers aren’t getting access to the best products.
While new technology has created the ability for many of these people to access credit options, most don’t know alternative, non-bank options exist.
Since many financial service providers serve niche markets, it’s hard for financial institutions and insurers to affordably acquire their target users at the right time and place.
Our Solutions
We allow anyone, from individuals to large organizations, to easily build a business selling financial products & services.
We enable Financial Service Partners to acquire new users at a predictable cost of acquisition and monetize declined applicants.
We empower Financial Sales Agents to build a residual revenue stream through personal loans & other financial service & insurance products via intuitive, easy-to-implement technology.
We provide Consumers with low friction access to financial & insurance products to easily fund purchases and support their everyday life.
Our financial services marketplace searches a network of global providers, matching and connecting consumers with the right financial institution, fintech or insurer and provides real time decisions.
We help providers affordably acquire consumers through powering a state-of-the-art financial services marketplace for companies and independent agents who want to offer financial products and services to prospective clients.
About Us
We utilize partnerships to connect customers with financial & insurance products from one of our financial institutions, fintechs, or insurers globally; enabling us to significantly grow our database at a $0 Cost of Acquisition.
Once a new to credit, or credit invisible, customer establishes a credit history, we open them up to the world of broader banking services by selling additional products such as mortgages, credit cards & insurance.
Our partner & sales agent network allows us to build an extremely large database of new-to-credit customers who access and re-access financial products on our platform throughout the course of their lifetime.

Our Mission
Our mission is to bring accessibility and flexibility to the world of personal finance. Allowing accessibility and flexibility to the world of personal finance. Allowing those who are credit invisible to establish a proper credit history, and providing choice to those currently restricted to one institution for all their financial product and insurance needs.
We believe that everyone should have a fair chance at building a credit history and improving their credit score and financial health. By building our network of global sales agents, we are working to make credit and other financial products accessible to everyone.
Individuals without a credit history will be able to build one within our network, instead of being forced into interest rates beyond their means by traditional lenders. And those established with their banking are opened up to a world of choice; a network of financial and insurance products available to them from fintechs and insurers around the globe instead of the limitations of using a single financial institution for all their needs.
Currently, only 52% of adults globally use a bank account, while only 8% of adults in the developing world have access to a credit card. Through our network we can help increase these numbers and improve financial literacy and wellbeing around the world.
Highlights
We’ve generated over 1.1 million product applications. Our Asset Direct platforms handle all of the heavy lifting by integrating with our financial & insurance partners. We provide the best product-fit to every user by understanding approval criteria for each financial and insurance partners and be analyzing every user's credit & financial health, savings time and reducing friction.
Key Metrics
Business Strategy & Global Traction
- We allow anyone, from individuals through to large organizations, to easily build a business selling financial products & services.
- Re-imagining the traditional banking system to create a personal customer experience that meets individual financial needs.
- 500,000+ users driving 7,000+ product applications per week.
- 100+ active financial partners within Canada & India offering the full spectrum of financial and insurance products.
- Visible to over 1.9 million customers in 2021.
- Highly engaged user base with ~67% of revenue coming from return applicants/users.
- Live in Canada with LoanConnect.ca and India with CreditLinks.in, and soon East Africa.
Financial Performance to Date
*To gain access to full financial data & the Asset Direct due diligence data room, you will need to complete an NDA. Please email investors@assetdirect.io.
Forecasted Financials
What Fuels Our Growth?
Our growth in 2021 was driven through scaling partnerships and distribution in both Canada and India.
Our growth in 2022 is driven through further expansion within India.
Growth from 2023 and beyond with entry into new markets ie. East Africa.
Offering additional recommendations starting 2022 for other financial & insurance products further increases year-over-year ancillary revenue & increased average revenue per user.
Continued optimizations to our personal loan CX/UX will optimize conversions in funnel & optimal routing to our lender network increasing average earnings per transaction

How it Works
Individuals or businesses integrate with our platforms via QR code, SMS link, tracking link, whitelabel or API.
A prospective customer completes a product application and provides appropriate consent to check if they qualify through multiple providers in real time.
Our rules engine provides the customer with “pre-approved” targeted offers based on AI & ML and likelihood of approval. These products are drawn from our growing network of 100's of providers.
The user selects the product they wish to apply for & completes their application.
We get real time decisions on applicant's approval from our financial and insurance partners.
The individual or business who referred the user makes a profit from financial products sold; bettering the lives of those around them including their family and community.
We recommend other financial & insurance products ongoing to provide ancillary revenue to our partners.
The Technology
Facilitating financial product and insurance fulfillment, from customer intake to product disbursement end-to-end.
We use best in class third-party partners for our tech stack.
The Competition
Asset Direct is unlike other direct-to-consumer financial product platforms that must allocate large budgets towards marketing to drive customer acquisition. Although highly valuable (many commanding multi-billion dollar valuations), these platforms essentially compete through spending advertising dollars. Whoever spends more, gets more.
Since our focus is B2B2C, we have a very low cost of acquisition. Uniquely, we also allow our agents to build a book of business through us. Once an agent/partner refers a user to our ecosystem we take over, and any other product we sell to that individual (credit card, mortgage, insurance) generates residual earnings for the agent/partner; whether it’s now, or 10 years from now. This also increases our average revenue per user.
Our Plans For The Future
Industry Comparables
With the remarkable popularity of players such as Credit Karma, which was acquired by Intuit for $8.1BN USD, it is clear that there is a significant market opportunity for financial product marketplaces globally. Overall, the launch and overwhelming success of Fintech innovation in financial services validates both the market need and product-market fit. In fact, several have even reached unicorn status within 2-3 years of launch.
Our Financing Plans
Current - Seed Raise - $1.5M USD (With $750K Already Committed)
Why India?
We engaged a local firm to conduct a Global opportunity research study, and identified India as a leading opportunity based on the political, economic, legal, banking, and regulatory environment. Fintech is very established in India and there is a strong push for open banking—there are also a very large number of fintechs that could use our platform to access customers (well developed Fintech markets are a better fit for marketplace products). Additional market research & feasibility study available upon request & execution of NDA.
Entry into 3rd Market (Asia through MOX Partners)
$250,000
(POC in a new market complete)
Future - Series A Raise - $8M USD
(Target Funding Date - Sept 2022 - Jan 2023)
Testimonials | What Our Partners Say!
We are proud to have partnered with leading financial institutions and lenders which have had great experiences selling their products through our marketplace.
Testimonials | What Our Customers Say!
“This was really helpful to me. The rep helped me to look in detail at many different options available to me and even went above and beyond and described alternative options to those. They asked the right questions that got me to organize and see what my current situation is as a whole. Responses were timely and heartfelt, I really felt like they cared about me rather than just seeing a stranger, a number or a sale. I can even message them still anytime in the future with more questions if I have any. Thank you!” - Melanie J.
“The associate I spoke with was super helpful, knowledgeable and helped to point me in the right direction. Incredibly friendly, awesome customer service and I definitely recommend this company. Thanks a bunch!” - Kara C.
“I spoke with Colin and he was extremely helpful with not only my inquiry but also with some valuable advice for my future. What I say I appreciated the most is that he heard me and paid attention to what I was saying and asking and responded thoughtfully.” - Jean M.
“The associate I spoke with was a huge help. Although my initial intent was to get a loan, they gave me another option to rebuild my credit which will be more beneficial in the future. Thanks for your help.” - Dalia A.
Reasons To Invest
Defined Market Need
Much of the world’s population is underbanked and/or has difficulty accessing credit and other financial products. While other consumers, who are banked, are limited by lack of choice and flexibility in products from their financial institution–this is a +$500BN global opportunity.
Product Developed and Ready to Scale
Visible to over 1.9 million customers in 2021; 500,000+ active users driving 7,000+ product applications per week. Active in 2 markets globally and scaling into a 3rd early next year.
Invest in a Company Changing People's Lives for the Better
Invest in a company that has the opportunity to change the lives of up to 6 Billion financially underserved people globally.
Significant and Stable Revenue Growth
Since founding Asset Direct, we have realized significant and stable revenue growth year over year. Even though the pandemic, revenue growth did not decline.
Thank you so much for reading! We would love to have you join us as an investor during this financing round available here on FrontFundr. Together, we plan to accelerate the Asset Direct business model globally to become one of the world’s largest financial services marketplaces.
If you have any questions, please feel free to reach out to investors@assetdirect.io or book some time directly with CEO, Adam Rice to discuss the opportunity.
* Offerings on the platform contain forward-looking information. Forward-looking information includes statements that may predict, forecast, indicate or imply future plans, intentions, levels of activity, results, performance or achievements, and involve known and unknown risks, uncertainties and other factors which may cause the actual plans, intentions, activities, results, performance or achievements of the issuer to be materially different from any future plans, intentions, activities, results, performance or achievements expressed or implied by such forward-looking information. There can be no assurance that forward-looking information will prove to be accurate, as actual results and future events could differ materially from those anticipated in such statements. Accordingly, readers should not place undue reliance on forward-looking information.
** Details of the offering can be found in the offering documents. This communication is for informational purposes only. Investing in crowdfunding and exempt market offerings has significant risk. Investors may not be able to resell quickly or at all. An exempt market security holder may also receive limited ongoing issuer information. You should invest only if you are prepared not to receive any return on your investment and/or lose your investment in its entirety. FFS will provide advice on the suitability of your investments made through its platform
*** Testimonials may not be representative of the experience of other customers or investors. These testimonials are no guarantee of future performance or success.
SAFE (Simple Agreement for Future Equity): As stated in its name, this investment is not for equity - rather, future equity. It is similar to a convertible note in that investors benefit from the discount rate applied to their share price upon a conversion, however, it differs in some key ways.
As a SAFEholder, you are not a shareholder nor are you afforded any rights as a debtholder like convertible debt holders. Typically, SAFEs do not pay interest. Conversion events may not be subject to a minimum, but may require a certain security issuance (e.g., preferred shares).
Ex. You buy a SAFE today offering a discount of 20%, and in 1 year the company does a Common Share round, selling Shares for $1/share. Your SAFE would convert into shares at $0.80/share ($1 x 80%). A $1000 in a SAFE would give you 1250 shares vs. 1000 shares if bought during the common share round. This example is for illustrative purposes only.
For complete information, review the Simple Agreement for Future Equity