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5 Things You Need to Know About

Proprietary and Confidential

5 Things to Know About LendUp

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What We Do We are a socially responsible lender that is redefining payday loans from a ‘trap’ to an ‘opportunity’.

The LendUp ProductWe created the LendUp Ladder, which rewards financially responsible behavior (such as paying on time, paying early, taking animated credit education classes) with the ability to borrow more money at better rates for longer periods of time, and report to major credit bureaus to build credit.

LendUp’s Secret SauceWe spent 2+ years building a platform designed specifically for digital lending - real time risk decisions, real time customer rewards, real time loan funding, in a fully legal and compliant manner.

We Say Yes! We use much more data in our proprietary, patent-pending underwriting methodology, which allows us a better insight to our applicants, and hence offer credit to those that banks decline.

Ladders, Not Chutes. Everything we build at LendUp has to help customers get to a better financial future. No debt traps, transparent pricing with no fine print. We only make money when our customers pay us back, not when they get further into debt.

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We launched our product in California with the goal of helping reach 10,000 customers as an alternative to payday lending. Exactly one year later, we have proven the effectiveness of our model and are starting our national rollout plan.

It’s been a while since we last saw you at the Innovation Project this past March. What have you

been up to since then?

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During the Innovator EXPO, you had the opportunity to showcase your demo to major thought leaders in the industry,

how did this type of access affect your business? How did it change your go to market approach?

It was a great opportunity to meet lots of people in traditional financial services and hopefully inspire them to focus on building better products for the unhappily served, and see how incorporating education into their products makes better, more loyal customers.

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What advice would you have for this year's exhibitors?

The Innovators Expo was a great forum for really two things: 1. Major exposure to high level financial services

and executives2. The ability to discuss partnerships, brainstorm

and really push the limits of what could be possible.

I recommend bringing a lot of business cards, a demo of your product so people can get really hands on, and materials to help you stand out in the crowd.  Oh, and it is winter - so gloves and a scarf.5 |

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We are all about what is next in payments, so what is next for you?

Thinking about how mobile can be used not just as a wallet, but as an alternative to the traditional credit card for those that have no credit card, or have no more credit utilization.

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