Users gain 34+ credit score points on average in just 30 days.12
Artificial Intelligence
Solving the Multi-Billion-Dollar Problem in Financial Services, Enhanced With Our Max AI™
370M+
Individual Consumer
Credit Accounts**
14M+
Unique
Consumer Credit Profiles**
1M+
Transactional Data
Points Daily**
Up to 9K+
Potential Insights
Generated Per Customer**
** Data points presented are estimates derived from internal datasets and may fluctuate over time due to ongoing updates, data integration changes, and methodological adjustments. These figures are for general informational purposes only and do not constitute representations or guarantees of accuracy, completeness, or currentness.
Business Model
How ConsumerDirect® Makes Money
Our diversified business model creates strong recurring revenue and proven profitability.
I'm Ready to InvestB2B2C
Subscriptions
Subscriptions
Through affiliate and sponsored partnerships
D2C
Subscriptions
Subscriptions
With our products SmartCredit®, TheLendingScore.com & Hogo®
Commissions From Consumer Lending
Loan & credit card applicants approved via myLONA® offers
B2B
Advanced API
Advanced API
With our Consumer Credit Data & Consumer Data Removal APIs
With 88%1 gross margins and a track record of success, ConsumerDirect is built for sustainable, scalable growth.
SmartCredit®
1. SmartCredit® (Better Credit & Money)
Credit management and identity protection with personalized score tracking.
2. Hogo (Fun, Yet Serious Financial Security)
Gamified privacy app that guides users to secure financial data (and rewards them for doing so).
3. TheLendingScore.com (Ideal Before Borrowing)
FICO® Scores from all three bureaus, plus loan offers tailored to your credit profile.
4. Consumer Data Removals API (B2B Privacy
Solution)
Enables businesses to find and request the removal of their consumers’ personal data from broker sites to reduce fraud, spam, and protect their privacy.
5. Consumer Credit Data API (Pre-Qualification for Lenders)
Enables lenders to pre-qualify borrowers without impacting credit scores.
Share Price
6. myLONA® (Lending Marketplace & Loan
Transparency)
A lending marketplace that streamlines borrowing with fair, transparent loan offers based on the consumer’s future score.3
Expansion
A Possible Public Listing8 is Just the Start
This Regulation CF round positions us for certain possible public listing⁸ requirements while funding our goals of product development, user-base growth, and faster innovation:
Scaling B2B2C Partnerships
Goal of Increasing Distribution Partners
Expanding Partnership Channels
Banks Connected with myLONA®
User Base Expansion
Goal of Increasing Active Members
Expand Marketing Channels
Enhance Products with Max AI™
Accelerating Max AITM
Goal of Deeper Member Intelligence
Help Partners with Growth & Retention
Create New Ways to Help Consumers
Our robust platform and data fosters new markets and services — making ConsumerDirect® a no-brainer for Members
Anne A.
Todd A.
Perks
Time Based Bonus + Volume Based
Multiple investments in an offering cannot be combined to qualify for a larger campaign perk.
INVEST
$1,000.23+
Receive
5%
bonus shares
0%
First 200 Investors Receive an Additional 3% Bonus Shares
INVEST
$2,500+
Receive
7%
bonus shares
4%
First 200 Investors Receive an Additional 3% Bonus Shares
INVEST
$5,000+
Receive
9%
bonus shares
6%
First 200 Investors Receive an Additional 3% Bonus Shares
Team
The Innovators Personally Invested In Our Success
We're proud to say ConsumerDirect is over 90% owned by employees. With an average tenure of more than 4 years and decades of industry experience, we set the bar for culture and innovation.
David B. Coulter
Founder & CEO
- Founded ConsumerDirect and has since scaled it to over $100M in revenue in 2024, all without outside funding.
- Holds multiple patents in credit optimization and financial technology.
- Built a profitable, high-growth business that serves 300,000 monthly subscribers.
Brian Eaves
CFO & Corp Dev Strategy
- Former Prudential PLC executive with 14+ years in capital markets and financial strategy.
- Specializes in structuring high-growth businesses for long-term profitability.
- Leads financial planning and investor strategy as ConsumerDirect prepares for a potential public listing of its shares on a national securities exchange, such as Nasdaq.
Steve Reger
Chief Sales Officer
- 27-year credit industry veteran and former Senior Director at TransUnion®.
- Expert in fraud prevention, consumer credit solutions, and enterprise partnerships.
- Oversees our 3,800+ active monthly B2B2C partnerships, ensuring high retention and revenue growth.
Mee Pineda
Chief Operations Officer
- With ConsumerDirect for 17+ years, managing operations, compliance, and strategic scaling.
- Ensures seamless execution of our business strategy and expansion initiatives.
- Plays a key role in keeping our products at the forefront of the financial services industry.
Vannak Payabyab
Controller
- Has served various accounting-related roles since joining ConsumerDirect® in 2006
- Currently oversees the Accounting and Billing departments
Chris Peery
Chief Revenue Officer
- A key architect of ConsumerDirect’s technology, serving since 2005.
- Leads marketing, customer engagement, and AI-driven personalization strategies.
- Ensures our technology continues to drive user growth and product adoption.
Theo Schrock
Chief Data Scientist
- Leads AI and data intelligence, optimizing financial tools for better decision-making.
- 13+ years in quantitative research, analytics, and business strategy.
- Develops predictive modeling and automation to make financial insights more actionable.
Sam Trovato
Chief Product Officer
- Leads product strategy, design & development to create user‑first solutions that grow revenue.
- 10+ yrs blending design craft with data‑driven product leadership to turn complexity into impact.
- Visionary for SmartCredit, Hogo, and TheLendingScore.com with 16 granted design patents
Jon Swinth
Chief Technology Officer
- Has lead technical infrastructure and system development with the Company for over 3 years
- 20+ years directing cloud technology, software development, and information security
- Orchestrates bright ideas into workable, reliable, and resilient products
Board Members
David B. Coulter
Founder & CEO
- Founded ConsumerDirect and has since scaled it to over $100M in revenue in 2024, all without outside funding.
- Holds multiple patents in credit optimization and financial technology.
- Built a profitable, high-growth business that serves 300,000 monthly subscribers.
Rachelle Alexander
VP of Support / Board Member
- 20 years as ConsumerDirect’s head of support for both B2B2C and D2C channels, ensuring high-quality service delivery and customer satisfaction
Eric Taylor
Board Member
- 35+ years in high-tech design, manufacturing, and sales
- Founded multiple successful startups and holds 3 patents
- Earned a BS in Engineering & completed a graduate immersion MBA
Jimena Cortes
VP of Product Partnerships / Board Member
- Created and manages the influencer marketing department
- Serving as a member of the Board of Directors since 2016
FAQs
Why invest in startups?
Regulation CF allows investors to invest in startups and early-growth companies. This is different from helping a company raise money on Kickstarter; with Regulation CF Offerings, you aren’t buying products or merchandise - you are buying a piece of a company and helping it grow.
How much can I invest?
Accredited investors can invest as much as they want. But if you are NOT an accredited investor, your investment limit depends on either your annual income or net worth, whichever is greater. If the number is less than $124,000, you can only invest 5% of it. If both are greater than $124,000 then your investment limit is 10%.
How do I calculate my net worth?
To calculate your net worth, just add up all of your assets and subtract all of your liabilities (excluding the value of the person’s primary residence). The resulting sum is your net worth.
What are the tax implications of an equity crowdfunding investment?
We cannot give tax advice, and we encourage you to talk with your accountant or tax advisor before making an investment.
Who can invest in a Regulation CF Offering?
Individuals over 18 years of age can invest.
What do I need to know about early-stage investing? Are these investments risky?
There will always be some risk involved when investing in a startup or small business. And the earlier you get in the more risk that is usually present. If a young company goes out of business, your ownership interest could lose all value. You may have limited voting power to direct the company due to dilution over time. You may also have to wait about five to seven years (if ever) for an exit via acquisition, IPO, etc. Because early-stage companies are still in the process of perfecting their products, services, and business model, nothing is guaranteed. That’s why startups should only be part of a more balanced, overall investment portfolio.
When will I get my investment back?
The Common Stock (the "Shares") of ConsumerDirect (the "Company") is not publicly-traded. As a result, the shares cannot be easily traded or sold. As an investor in a private company, you typically look to receive a return on your investment if the Company gets acquired by another company, in which case you would typically receive your pro-rata share of the distributions that occur. Alternatively, if the Company goes public, you may be able to sell your shares on an exchange. These are both considered long-term exits, taking approximately 5-10 years (and often longer) to see the possibility for an exit. It can sometimes take years to build companies. Sometimes there will not be any return, as a result of business failure. Although the Company is working toward a DPO, there is no guarantee that this will happen or that, if it does, you will be able to sell your shares for more than you paid for them.
Can I sell my shares?
For one year, the securities purchased in this Offering can only be resold:
• As part of an offering registered with the SEC, such as an initial public offering; however please note, even if we are successful with a potential direct public listing, there is no guarantee that shares purchased in this Offering will be registered in the direct public listing;
• To the Company;
• To an accredited investor; or
• To a member of the family of the purchaser or the equivalent, to a trust controlled by the purchaser, to a trust created for the benefit of a member of the family of the purchaser or the equivalent, or in connection with the death or divorce of the purchaser or other similar circumstance.
What happens if a company does not reach their funding target?
If a company does not reach their minimum funding target, all funds will be returned to the investors after the close of the offering.
How can I learn more about a company's offering?
All available disclosure information can be found on the offering pages for our Regulation Crowdfunding offering.
What if I change my mind about investing?
You can cancel your investment at any time, for any reason, until 48 hours prior to a closing occurring. If you’ve already funded your investment and your funds are in escrow, your funds will be promptly refunded to you upon cancellation. To submit a request to cancel your investment please email: info@dealmakersecurities.com
How do I keep up with how the company is doing?
At a minimum, the company will be filing with the SEC and posting on its website an annual report, along with certified financial statements. Those should be available 120 days after the fiscal year end. If the company meets a reporting exception, or eventually has to file more reported information to the SEC, the reporting described above may end. If these reports end, you may not continually have current financial information about the company.
What relationship does the company have with DealMaker Securities?
Once an offering ends, the company may continue its relationship with DealMaker Securities for additional offerings in the future. DealMaker Securities’ affiliates may also provide ongoing services to the company. There is no guarantee any services will continue after the offering ends.
Share Price
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