Profitable, AI-Powered Tech, Now Preparing for a Potential Public Listing

Since 2003, ConsumerDirect has helped shoppers take management of their funds, maturing into a large fintech platform that earned over $100M in gross income final 12 months alone¹. And all of it occurred with out counting on enterprise capital or non-public fairness.

Now the corporate is making ready for a possible public itemizing*, having already reserved the ticker image CNDR².

However as an alternative of turning to establishments or non-public fairness to satisfy itemizing necessities, they’re opening this spherical to the individuals who made their success doable: on a regular basis people who find themselves taking management of their monetary lives.

So it is no marvel traders are studying all they will about what’s driving ConsumerDirect’s success earlier than the important thing June 13 deadline³.

The know-how powering ConsumerDirect’s development

On the middle of ConsumerDirect’s platform is SmartCredit®, a set of instruments that lets shoppers monitor and maximize their credit score in actual time. And behind SmartCredit® is Max AI™, a proprietary intelligence engine that analyzes as much as 9,000 knowledge factors⁴ per consumer to ship customized credit-building methods.

That is what makes the platform totally different: it is an clever system that adapts to every individual’s distinctive monetary image. And since MaxAI™ is deeply built-in into the platform, ConsumerDirect monetizes this engine via a diversified mannequin:

• Direct-to-Shopper Subscriptions – Month-to-month charges for SmartCredit® entry
• Affiliate Commissions – Income from bank cards, loans, and different associate merchandise
• Enterprise Licensing – White-label and API partnerships with companies

This high-margin, recurring income mannequin has made ConsumerDirect worthwhile and scalable – a uncommon mixture in fintech.

Traction that deserves credit score

Since launching SmartCredit®, ConsumerDirect has helped its greater than 300,000 month-to-month lively customers take management of their credit score and monetary well being. That quantities to roughly $3 billion⁵ in mixed financial savings via extra knowledgeable lending selections and customized credit score methods.

That is produced $102 million¹ in income and $10 million+ in EBITDA¹, however what makes these figures much more spectacular is their 88% gross margins¹.

After all, simply as essential is their business-to-business attain. Greater than 3,800 lively companions⁶ now use ConsumerDirect’s platform via white-label or co-branded integrations, offering high-margin, recurring income and increasing the corporate’s affect far past direct-to-consumer gross sales.

This mixture of profitability, client demand, and B2B adoption positions ConsumerDirect for continued success.

Why traders are circling June 13

ConsumerDirect not too long ago reserved the ticker image CNDR² in preparation for a possible direct public itemizing on a nationwide securities change.

To checklist on an change, they want a minimum of 200 particular person traders who’ve invested $2,500 or extra. As a substitute of courting institutional traders, they’re turning to those that energy their mission: on a regular basis folks.

While you make investments earlier than June 13³ you’ll be able to obtain as much as 14% in bonus shares:

• $2,500+ = 7% bonus
• $5,000+ = 9% bonus
• $10,000+ = 11% bonus
• +3% extra for the primary 200 traders

ConsumerDirect is worthwhile, rising, and able to scale additional. Do not miss your probability to put money into an actual enterprise with actual traction earlier than its potential public itemizing.

Safe your ConsumerDirect shares earlier than June 13 to maximise your stake of their development.

This can be a paid commercial for Shopper Direct’s CF providing. Please learn the providing round at https://make investments.consumerdirect.com/

^{1 The monetary data introduced herein is derived from audited monetary statements for the 12 months ended December 31, 2024. Readers ought to consult with the total audited monetary statements and accompanying notes for a complete understanding.}

^{2 Reserving the ticker image just isn’t a assure that the corporate will go public. Itemizing on a nationwide securities change is topic to approvals.}

^{3 See our Type C for essential particulars relating to the funding deadline.}

^{4 This quantity displays the utmost potential insights generated per member and should fluctuate by particular person utilization, knowledge availability, and engagement ranges as of April 2025. All knowledge is derived from inner methodologies and is unaudited. This data is supplied for illustrative functions solely and is topic to vary with out discover.}

^{5 Calculation Methodology: Our financial savings calculations are estimates utilizing historic inner knowledge. It’s primarily based on analyzing subscribers credit score experiences that had an elevated credit score rating, whereas a present subscriber, for 2 classes: new auto and new mortgage financings. The calculations assumed exact credit score rating reporting, a constant correlation between rating ranges and financing charges, uniform mortgage phrases aside from rates of interest, and regular rates of interest over the mortgage’s time period, together with unvarying borrowing behaviors amongst customers. It is essential to notice that our calculation estimates depend on correct credit score reporting, common mortgage knowledge and present rates of interest, however could not account for a person subscriber’s rate of interest variations, if any, or vital shifts in customers’ borrowing and reimbursement habits, if any. Moreover, there was an assumed conversion from VantageScore® v3.0 to FICO® v8.0 after which verified by an official FICO® v8.0 calculator to find out financial savings from beginning credit score rating to credit score rating earlier than the above talked about financing occurred. Our calculation is topic to vary with out discover.}

^{6 Primarily based on inner firm data as of March 2025. It displays companions who engaged in qualifying enterprise actions through the specified reporting interval, as decided by inner standards. This data is supplied for informational functions solely and doesn’t characterize a assure of present or future associate exercise. The definition of “lively” could fluctuate, and the lively companions depend is topic to vary with out discover.}