A  Global Financial Services Marketplace

Creating the world's first truly global network of financial sales agents to bank the world's underbanked. 

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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 four hundred thousand users and has generated millions in commissions. The overall goal is to use our global network to cost-effectively scale into the world's largest financial services platform, focused on banking the underbanked (up to 6 billion people). 

Current Raise Progress:

We have secured $1M USD of our $2.5M target. 

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The Problem

More Than 6 Billion People Worldwide (~75% of the World's Population) Have Difficult Accessing Credit and Other Financial Products

Over 6 Billion People don't meet the basic requirements of traditional lenders and many prime borrowers 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 alternative lenders serve niche markets, it's hard for lenders to affordable acquire their target borrowers at the right time and place. 

Why We Do What We Do

Large Market of Underbanked Individuals

Much of the world’s population is underbanked and/or has difficulty accessing credit and other financial products–this is a +$500BN global opportunity.

We've Proven the Concept

Visible to over 1.9 million customers in 2021; 400,000+ active users driving 7,000+ loan applications per week. Active in 2 markets globally and scaling.

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.

Who We Help Along the Way

We allow anyone, from individuals to large organization, to easily build a business selling financial products & services. 

We enable Financial Service Partners to acquire new borrowers 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 Borrowers with low friction access to personal loan options to easily finance purchases and secure loans for other purposes. 

Getting the Underbanked to Banked

We utilize partnerships to connect customers with loans from one of our 38+ lenders globally; enabling us to significantly grow our database at a $0 Cost of Acquisition. 

We are a technology company providing our partners with multiple ways to integrate including API, whitelabel or QR code. 

Once a 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 assist those who have poor credit, or who are credit invisible, establish proper credit history through access to alternative credit; helping transition the world's population from underbanked to banked. 

Building credit can feel like an impossible task when most traditional lenders want an established credit history in order to lend to you. This leaves people who are new to credit, or credit invisible, paying interest rates beyond their means just to try and make ends meet. 

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. If we can help individuals at any credit level get access to fair interest rates, and lenders who want to lend to them, we can help decrease the percentage of the global population who are underbanked, 

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.


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What Fuels Our Growth

Our growth in 2021 was driven through scaling partnerships and distribution in both Canada and India. Our forecasted growth in 2022 is driven through entry into an additional market, and further expansion within India. 

Offering additional recommendations starting 2022 for other financial & insurance products to further increase 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. 


We've generated over 1.1 million loan applications. Asset Direct's platforms handle all of the heavy lifting including customer scorecards, lender rules, financial partner integrations & optimizations for our partners. 

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Business Strategy & Global Traction

  • We allow anyone from individuals through to large organizations to easily build a business selling financial products & services. 

  • 400,000+ users driving 7,000+ loan applications per week 

  • 38 active lending partners within Canada & India offering full spectrum lending & rates for subprime to prime applicants alike. 

  • Visible to over 1.9 million customers in 2021 

  • Highly engaged user base with ~67% of revenue coming from return applicants/users

How It Works

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Individuals or businesses integrate with our platforms via QR code in store, tracking link, whitelabel or API. 



A prospective borrower completes a loan application and provides appropriate consent to check if they qualify through multiple lenders in real time. 

Our rules engine provides the borrower with "pre-approved" rates based on lender criteria, AI & ML with high likelihood of approval. 

The borrower selects the lender & rate they wish to apply for & completes their loan application. 

The borrower gets access to funds; reducing time and friction by completing only one application. The borrower can then use funds in real time, in store to complete a purchase. 

The individual or business who referred the borrower makes a profit from the loan & earns on additional financial & insurance products sold to that individual in perpetuity; bettering the lives of those around them including their family and community. 



We recommend other financial & insurance products after the loan to provide ancillary revenue to our partners. 

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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. 

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Our Future Plans

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Build a massive database of global consumers establishing credit history through personal loans. 

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Bring personal loans to customers where they work, shop, budget or bank when they need it. 

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Utilize partnerships to connect customers with loans from one of 100's of lenders globally; growing our database at a $0 Cost of Acquisition. 

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Establishing a trusting relationship with our customers while they establish a credit history to maintain high customer retention rates. 

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Assist those new credit to establish a proper credit history; helping transition 6+ billion people worldwide from underbanked to banked.

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Market other financial & insurance products and services to our customers throughout their lifetime, driving residual income for Asset Direct and our partners and increase APRU for every user. 

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. 

Read more customer testimonials here

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Request More Investment Information & We'll Be In Touch

Thanks for your interest, we'll be in touch shortly!