Investor Pitch:

Almost Basic Resiliency Product
”The Wheels”

Community-backed emergency loans—fast, fair, and full of dignity.

The Problem

Too many lives are derailed by solvable emergencies: A car repair. A missed rent payment. A Christmas that came a few days too early. Traditional systems are too slow. Predatory lenders are fast—but devastating. Charities burn out trying to fix what cash could solve.

Our Solution

A simple, scalable financial product:
Flexible-limit emergency loans, issued through trusted community partners, backed by investors, and designed with dignity in mind.

  • Each policy comes with a limit (typically $500–$1,000).

  • No invasive eligibility check or complex trigger—access is granted automatically or with minimal validation.

  • Borrowers repay over 12 months—or donors may step in to forgive or cover balances.

  • Communities serve as the trust layer—not individuals.

What Makes It Work

1. Community-Based Underwriting

  • We underwrite communities, not people.

  • Pricing adjusts based on repayment and usage patterns.

  • Communities build “credit” over time and may access pooled discounts or additional capacity.

2. Fraud-Resistant by Design

  • We offer tools to help communities validate identity, detect abuse, and enforce soft accountability.

  • Local partners act as lightweight stewards, not bureaucrats.

3. Two-Stream Financial Structure

  • Generosity Fund (Donor-backed)

    • Donors sponsor communities by donating $5 per year for every $100 that will be made available.

    • Donors may purchase policies for those in need. These nominal policy fees are variable based on community default rates.

    • Donors may repay loans anonymously.

    • Profits are returned to communities.

  • Business Fund (Investor-backed)

    • Source of loan dollars.

    • Earns modest returns from policy fees and generosity fund.

Revenue & Repayment

  • Borrowers or donors pay modest premiums/fees, priced to cover expected use, defaults, ops, and infrastructure.

  • Product cost varies by community track record, not individual credit scores.

  • Revenue sources:

    • Borrower repayments (monthly, capped at 12 months)

    • Community-based underwriting adjustments

What We’re Raising

We seek a $250,000 repayable investment to:

  • Build and test the claims + partner platform

  • Seed the loan reserve for the first 1,000 policies

  • Launch 5–10 community pilots

  • Support compliance, fraud protection, and impact tracking

Target Repayment: 4–5 years from program revenue
Return: Modest, mission-aligned capital with real impact leverage

Why This Works

  • Trust + Flexibility: People repay when treated with dignity. Communities thrive when given tools—not red tape.

  • Capital Efficient: Every dollar gets reused again and again.

  • Scalable: We’re not underwriting individuals—we’re empowering networks that already know who’s trustworthy.

Join us in building financial infrastructure that works at the speed of need.
One emergency at a time, one community at a time.