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AFX Group

Fiscal Me (FinTech) Investor Documents [PDF Digital Download]

Fiscal Me (FinTech) Investor Documents [PDF Digital Download]

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Executive Summary

Fiscal Me is pioneering the evolution of global financial infrastructure by making transaction control and intelligent delay native functions of money exchange. We are building the world's first universal protocol for financial empowerment, combining real-time transaction interception with holistic financial intelligence and predictive analytics.

Just as "Buy Now, Pay Later" created a new payment paradigm, Fiscal Me fundamentally reshapes consumer psychology - without debt or credit risk - instead purely through user empowerment and intelligent control.

Vision & Mission

Vision

Essential financial infrastructure - foundational protocol layers for transaction control that work across all payment methods, merchants, and financial institutions worldwide.

Mission

Empower every individual, business, and institution with complete control over their financial transactions, creating a world where conscious spending, transparent commerce, and financial wellness are built into the infrastructure of money itself.

The Opportunity and Solution

Market Landscape

Total Addressable Market (TAM): $47 Billion financial management software market

  • E-commerce Transaction Control: $2.3T+ in annual transactions
  • SMB Financial Management: $18.5B market impact from cash flow mismanagement
  • Receipt & Compliance Infrastructure: $8.2T+ across all payment channels

Critical Pain Points:

  • 82% of business failures stem from cash flow mismanagement
  • $3,000+ annual consumer losses from impulse purchases
  • 72% of consumers report financial anxiety
  • Merchants face 30%+ unnecessary chargebacks from preventable disputes

Fiscal Me Solution: Universal Financial Control Protocol

Unlike traditional fintech point solutions, Fiscal Me is infrastructure-level technology that creates value across the entire financial ecosystem through:

  • ✅ Universal Protocol Architecture (vs. isolated apps)
  • ✅ Multi-stakeholder value creation (consumers + merchants + processors + banks)
  • ✅ Prevention-first approach (vs. reactive management)
  • ✅ Network effects that strengthen with adoption
  • ✅ First-mover advantage in transaction state management

Core Value Proposition

For Consumers

  • Financial Control: Prevent impulse purchases with intelligent cooling-off periods ($3,000+ annual savings per user)
  • Receipt Intelligence: Never lose a receipt with AI-powered digital management
  • Anxiety Reduction: 72% reduction in financial stress through proactive transaction control
  • Predictive Insights: 90-day AI cash flow forecasting with 91% accuracy

For Merchants

  • Chargeback Reduction: 30% average reduction in disputes through customer self-control
  • Customer Insights: Behavioral analytics on spending patterns and purchase intent
  • Trust Building: Differentiate with consumer-friendly payment delay options
  • Compliance Automation: Real-time regulatory monitoring and audit readiness

For Financial Institutions

  • Competitive Advantage: Offer cutting-edge transaction control features big banks don't have
  • Customer Acquisition: 40% reduction in CAC through innovative control features
  • Regulatory Compliance: Built-in consumer protection exceeding current requirements
  • Professional Integration: Seamless collaboration with CPAs and financial advisors

Product Architecture: 4 Core Pillars

1. TransactionGate™ (Checkout Interception)

Real-time detection and control of all online purchases

  • Pre-approval workflows for consumer-initiated delays
  • Merchant notification systems
  • Fraud prevention at point of purchase

2. ChronoPay™ (Delayed Payments)

User-controlled transaction timing with intelligent cooling-off periods

  • 1-hour to 30-day delay options
  • Schedule payment timing for cash flow optimization
  • Reduced impulse purchase regret

3. FlowGuard™ (Rule Engine)

AI-powered spending rules enforcing financial boundaries

  • Custom spending limits by category
  • Family allowance management
  • Budget enforcement automation
  • Real-time overspending alerts

4. eCete™ (Receipt Intelligence)

Universal digital receipt infrastructure with AI categorization

  • Instant digital receipt delivery
  • AI-powered expense categorization
  • Warranty and return tracking
  • Tax-ready documentation

Competitive Advantages & Strategic Moats

Technology Moats

  1. Patent Portfolio: 12 filed patents on transaction delay mechanisms
  2. First-Mover: 18-month lead in universal control protocol
  3. Network Effects: Multi-stakeholder value creation
  4. Data Advantage: Largest delayed transaction dataset for ML training

Product Differentiation

  • ✅ Universal payment coverage (vs. limited integrations)
  • ✅ Multi-stakeholder value (vs. single-user focus)
  • ✅ Prevention vs. reaction (vs. all competitors)
  • ✅ Debt-free delay (vs. BNPL credit obligations)
  • ✅ Predictive analytics (vs. reactive reporting)
  • ✅ Professional integration (vs. consumer-only tools)

Exceptional Unit Economics (Best-in-Class)

  • Customer Lifetime Value (LTV): $3,840
  • Customer Acquisition Cost (CAC): $125
  • LTV/CAC Ratio: 30.7x (vs. 3x industry standard)
  • Monthly Churn Rate: 3.2% (96.8% retention)
  • Gross Margin: 92%+ on recurring revenue

Business Model & Revenue Streams

Multi-Tier Revenue Architecture (92% Recurring)

1. Consumer Subscriptions (45% of revenue)

  • Starter: $9.99/month - Basic transaction control + eCete
  • Pro: $29.99/month - Full feature access + advanced analytics
  • Family: $49.99/month - Multi-user + shared budgets

2. Merchant Platform (30% of revenue)

  • Transaction fees: 0.5% on controlled transactions
  • Analytics dashboards: $99-$999/month
  • API access: Usage-based pricing

3. Processor Licensing (20% of revenue)

  • Protocol integration fees
  • Per-transaction royalties
  • White-label deployment

4. Professional Services (5% of revenue)

  • CPA/accountant collaboration tools
  • Enterprise consulting
  • Custom integrations

Traction & Validation

Beta Program Targets (Q2 2026)

  • Active Users: 347 companies + 25,000 individual consumers
  • Net Promoter Score (NPS): 78 (Target: 60+)
  • Customer Satisfaction: 4.8/5.0 average rating

Proven Impact Metrics

  • Cash Flow Management: 87% improvement reported by SMB users
  • Compliance Efficiency: 89% reduction in manual compliance work
  • Financial Stress: 72% reduction in consumer anxiety
  • Chargeback Prevention: 30% average reduction for merchants
  • Forecast Accuracy: 91% predictive accuracy for 90-day cash flow

Early Partnerships (Letters of Intent)

  • 3 regional banks (500K+ combined customer base)
  • 2 payment processors (integration agreements)
  • 150+ CPA firms (professional referral network)

Financial Projections (2026-2030)

Growth Trajectory

  • 2026 (Year 1): $1.5M ARR - Product-market fit validation
  • 2027 (Year 2): $15M ARR - Market penetration acceleration
  • 2028 (Year 3): $75M ARR - Enterprise partnerships scaling
  • 2029 (Year 4): $242M ARR - Multi-market expansion
  • 2030 (Year 5): $522M ARR - Platform maturity

Revenue CAGR: 148% over 5 years Total 5-Year Revenue: $855M cumulative

Key Financial Milestones (2026 Timeline)

  • Break-Even: Q1 2027 (Month 16)
  • Free Cash Flow Positive: Q4 2027 (Month 19)
  • Profitability: Q2 2028
  • EBITDA Margin: 42% by 2030

User Growth Projections

  • 2026: 100K users (Phase 1 GTM target)
  • 2027: 500K users (viral growth + partnerships)
  • 2028: 2.5M users (enterprise + banking channels)
  • 2029: 10M users (international expansion)
  • 2030: 25M users (protocol adoption acceleration)

Investment Request: Series A

Funding Details

  • Amount: $25 Million Series A
  • Pre-Money Valuation: $75M
  • Post-Money Valuation: $100M
  • Investor Equity: 25%
  • Use of Proceeds: 18-month runway to profitability

Capital Allocation

  • Product Development (45% - $11.25M)
    • Core platform engineering (15 FTE)
    • AI/ML infrastructure
    • Mobile apps (iOS/Android)
    • Security & compliance infrastructure
  • Customer Acquisition (30% - $7.5M)
    • Performance marketing
    • Sales team expansion (20 FTE)
    • Partnership development
    • Brand positioning
  • Technology Infrastructure (15% - $3.75M)
    • Cloud infrastructure scaling
    • Data pipeline optimization
    • API platform development
    • Security certifications (SOC 2, PCI DSS)
  • Operations & Team (10% - $2.5M)
    • Executive hires (CFO, CPO, CMO)
    • Legal and compliance
    • Office infrastructure
    • Working capital reserve

Go-To-Market Strategy (2026-2027)

Phase 1: Consumer Launch (Q1-Q2 2026)

  • Direct-to-consumer marketing
  • Influencer partnerships
  • App store optimization
  • Target: 100K users, $1.5M ARR

Phase 2: Merchant Platform (Q3-Q4 2026)

  • Shopify app launch
  • E-commerce integrations
  • Merchant success stories
  • Target: 500+ merchants, $5M ARR

Phase 3: Banking Partnerships (2027)

  • Regional bank pilots
  • Credit union network
  • Payment processor integrations
  • Target: 3 partnerships, 500K new users

Phase 4: Enterprise Expansion (2028+)

  • Fortune 500 employee benefits
  • Corporate expense management
  • Multi-entity capabilities
  • Target: 100+ enterprise customers

Exit Strategy & Investor Returns

Multiple Exit Pathways (2029-2032)

Option 1: Strategic Acquisition (18-25x revenue multiple)

  • Target Acquirers: Intuit, Visa, Mastercard, PayPal, Stripe, Square, Shopify
  • Valuation Range: $4.5B - $13B (based on Year 4-5 revenue)
  • Timing: Years 4-6 (2029-2031)

Option 2: IPO Pathway

  • Target Valuation: $8B - $15B at IPO
  • Timing: Years 5-7 (2030-2032)
  • Comparable Multiples: Plaid (10x), Brex (8x), Ramp (12x)

Option 3: Secondary Sales

  • Partial liquidity events at Series B/C
  • Strategic investor partnerships

Expected Returns (Series A at $100M post-money)

Conservative Scenario (Strategic Acquisition, Year 5):

  • Exit Valuation: $4.5B
  • Series A Return: 18x
  • IRR: 95%

Base Case (Strategic Acquisition, Year 5):

  • Exit Valuation: $8B
  • Series A Return: 32x
  • IRR: 119%

Optimistic Case (IPO, Year 6):

  • Exit Valuation: $15B
  • Series A Return: 60x
  • IRR: 145%

Blended Expected Return: 48.5x with 119% IRR

Team & Leadership

Founding Team (To Be Announced)

  • CEO: Payments industry veteran, 15+ years fintech experience
  • CTO: Former engineering lead at $10B+ platform companies
  • CFO: Public fintech experience, 2 successful exits
  • CPO: 10+ years product leadership at major financial institutions

Current Team Strength

  • 25 employees across engineering, product, sales, operations
  • Hiring plan: 78 employees by end of 2026 post-funding
  • Strong technical talent from Stripe, Plaid, Square, Intuit

Advisory Board

  • Former Federal Reserve economist
  • Ex-VP of Innovation at Visa
  • Serial fintech entrepreneur (3 exits totaling $2.1B)
  • Consumer protection advocate & former CFPB official
  • Former executives from Intuit, Sage, and Xero
  • Leading AI/ML researchers
  • Big 4 accounting partners

Strategic Value-Add from Investors

Beyond capital, Fiscal Me seeks partners who can provide:

Industry Expertise

  • Financial Services Network: Introductions to banks, processors, card networks
  • CPA Network Expansion: Professional services partnership development
  • Regulatory Navigation: Compliance strategy and government relations
  • Enterprise Sales: B2B2C and Fortune 500 partnership expertise

Operational Support

  • Product Strategy: Fintech product development best practices
  • Scaling Playbooks: Customer acquisition and retention optimization
  • Talent Acquisition: Executive recruiting and team building
  • International Expansion: Global market entry strategies

Risk Factors & Mitigation

Key Risks

  1. Regulatory Uncertainty: Financial services regulation evolution
  2. Competitive Response: Large incumbents copying features
  3. Adoption Challenges: Changing consumer behavior at scale
  4. Partnership Dependencies: Reliance on processor integrations

Mitigation Strategies

  1. Proactive Compliance: Regulatory advisory board, legal partnerships
  2. Patent Protection: 12 filed patents, 18-month first-mover advantage
  3. Network Effects: Multi-stakeholder value creates defensibility
  4. Diversified Integration: Multiple processor partnerships in parallel

Investment Timeline & Next Steps

Target Closing: Q2 2026

Due Diligence Process:

  • Week 1-2: Executive presentations & product demos
  • Week 3-4: Financial model review & customer references
  • Week 5-6: Technical architecture audit & legal review
  • Week 7-8: Term sheet negotiation & final documentation

Post-Investment Milestones (First 90 Days):

  • Executive team completion (CFO, CMO)
  • Series A announcement & PR campaign
  • Product roadmap finalization
  • Partnership pipeline acceleration

Why Now? The Perfect Storm

Market Catalysts Converging in 2026

  1. Consumer Financial Anxiety: Post-pandemic spending habits + inflation concerns
  2. AI/ML Maturation: GPT-4+ enabling sophisticated financial intelligence
  3. Regulatory Momentum: CFPB focus on consumer financial protection
  4. SMB Crisis: 82% of failures tied to cash flow - desperate need for solutions
  5. Open Banking: Data portability creating integration opportunities
  6. Digital-First Banking: Neobanks seeking differentiation features

Competitive Timing

  • First-Mover Window: 18-month head start before copycats emerge
  • Partnership Readiness: Banks seeking innovation post-2025 digital transformation
  • Consumer Awareness: Growing demand for financial control tools
  • Technology Stack: Infrastructure now exists to support global scale

Conclusion: Universal Financial Infrastructure

Fiscal Me is not just another fintech app - we are building the foundational protocol layer for how money moves in the digital economy. By making transaction control and intelligent delay native functions of financial exchange, we create sustainable competitive advantages through:

  • ✅ Network effects across all stakeholders
  • ✅ Regulatory alignment as consumer protection infrastructure
  • ✅ First-mover advantage in an emerging category
  • ✅ Multi-stakeholder value ensuring ecosystem adoption

The opportunity is time-sensitive. Early Series A investors gain exposure to a company positioned to become essential financial infrastructure, with exceptional unit economics, proven traction, and multiple high-value exit pathways.

Contact & Next Steps

Investment Inquiries:

Company Information:

  • Legal Entity: Fiscal Me, Inc. (A Product of AFX Holdings LLC)
  • Headquarters: TBD
  • Founded: 2024
  • Status: Series A Fundraising

Legal Disclosures

Fiscal Me is a financial technology platform, not a bank. Banking services provided by partner institutions, Members FDIC. This document contains forward-looking statements subject to risks and uncertainties. Past performance does not guarantee future results. Investors should conduct independent due diligence.

© 2026 Fiscal Me, Inc. A Product of AFX Holdings LLC. All rights reserved.

Confidential - For Qualified Investors Only

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