90%
of business comes from B2B2C white labeling for partners
10%
of business comes D2C directly from SmartCredit.com
Users gain 34+ credit score points on average in just 30 days.12
Investment Highlights
$102M
In 2024 revenue
300K
Active monthly subscribers
3,800+
Active commissionable monthly partners
Traction
Already Profitable, With $100M+ in 2024 Gross Revenue
$102M in gross revenue in 2024, 44% annual growth since 2019
A total of 28.3M points added to user credit scores
300K+ active
monthly subscribers
$2.9B saved in loan interest by 300,000+ users1
Profitable already, with a $10.2M adjusted EBITDA in 2024
Co-branded and white-labeled products for 3,800+ active commissionable monthly partners with 100% long-term net dollar retention
Growth
Next Up: The $4.5 Trillion Lending Market
It’s no secret why many people work to improve their credit score: to qualify for better loans. So it’s only natural we help them take the next step with our new product, TheLendingScore.com.
Scores that Matter:
Displays your FICO® scores from the three credit bureaus 90% of top lenders rely on to approve loans
Simplified Matchmaking:
Includes loan matching provided through the integrated myLONA™ marketplace
Intelligent Sourcing:
Uses MaxAI™ to surface smarter, more personalized loan options based on real user behavior
Comprehensive Security:
Adds data broker removal, fraud insurance, and privacy protection via our PrivacyMaster® tool
Competitive Advantage
Scale Powered by Over 20 Billion Data Points
370M+
Individual Consumer
Credit Accounts**
14M+
Unique
Consumer Credit Profiles**
1M+
Transactional Data
Points Daily**
Up to 9K+
Potential Insights
Generated Per Customer**
Exit Potential
Exit-Ready, All That’s Missing Is You
By focusing on everyday people, we’ve already done what most startups can’t: decades of profitable growth without outside funding. So with the ticker CNDR reserved in preparation for a potential public listing, we’re not changing a thing. That’s why instead of institutional investors, we’re inviting everyday investors like you.
NEW PRODUCTS
Building the Next Generation’s Financial Tools
With 57% of Gen Z motivated by game-like elements, we built Hogo to meet privacy-conscious younger users where they are and guide them into our broader product ecosystem. As they mature financially, tools like myLONA™, our AI-powered loan matching platform, will take the baton.
Helps users identify and remove personal data from broker sites
Offers $25K in fraud protection in free plan as an entry point
Uses animated “Hogo Helpers” to endear, educate, and retain users
Soft-launched with ~30,000 subscribers; preparing for full launch
Funnels users into myLONA™ for personalized loan offers powered by MaxAI™
Perks
Giving Back to Those Who Help Us Reach Our Goal
Multiple investments in an offering cannot be combined to qualify for a larger campaign perk.
INVEST
$2,500+
Receive
4%
bonus shares
INVEST
$2,500+
Receive
4%
bonus shares
INVEST
$5,000+
Receive
6%
bonus shares
Team
The Innovators Personally Invested In Our Success
We’re proud to say ConsumerDirect is over 90% owned by our leadership team and employees. With an average tenure of more than 4 years and decades of industry experience, we set the bar for culture and innovation.
Executive Team
David B. Coulter
Founder & CEO
- Founded ConsumerDirect® in 2003 and has built the business to 120+ employees over the past 21 years
- Former C-suite executive at eSat, Inc. and Junum, Inc.
- Author of ConsumerDirect’s 22 granted patents
Steve Reger
EVP of Sales
- 27-year veteran of the credit reporting industry
- TransUnion, Senior Director of Consumer Services
- Fraud Victim Assistance and Consumer Litigation
Mee Pineda
COO
- Has served in a number of positions since joining ConsumerDirect® in 2007
- As COO, she has created crucial departments such as compliance, project management & data
Chris Peery
CRO
- One of the original architects and developers of the platform since 2005
- Former CTO & CMO for the company
- Prior Senior Developer for Oakley
Brian Eaves
CFO & Corp Dev Strategy
- Prudential plc’s Office of the CEO and Strategy and Capital Market Relations Group for 14 years
- VP of Corporate Development at Jackson National Life
Vannak Payabyab
Controller
- Has served various accounting-related roles since joining ConsumerDirect® in 2006
- Currently oversees the Accounting and Billing departments
Theo Schrock
Chief Data Scientist
- ~4 years as CDS at ConsumerDirect, leading end-to-end data management & AI initiatives
- 13 years’ experience as a business consultant, data analyst, and quantitative researcher
- Senior Business Consultant at Kronos and Data Scientist at Carden Futures
Board Members
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
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
Eric Taylor
Board Member
- 35+ years in high-tech design, manufacturing, and sales
- Founded multiple successful startups
- Holds 3 patents
- Earned a BS in Engineering & completed a graduate immersion MBA
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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