PROUDLY HELPED MILLIONS OF AMERICANS

Invest in the Next Evolution of Digital Consumer Finance

Opportunity to Invest
Reserved Ticker Symbol: CNDR*
Illustration of Wall Street bull and CNDR investment banner on a neoclassical building with ticker symbol CNDR.

ConsumerDirect’s proprietary suite of tools empowers everyday Americans to take control of their credit, finances, and privacy. Our newest innovation, Max AI, processes millions of data points to help people make smarter financial decisions—faster. Become a shareholder as we aim to be a publicly listed company⁸.

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Share Price

$10,000

Min. Investment

Investment Highlights

Man holding a giant key by a car, with a loan loading screen and a woman managing data on a laptop near a digital bank.
$100M+ Gross Revenue in 20241

44% Annualized Growth Since 201914

$10M+ EBITDA1

3.8K+ Active Monthly Partners10

    Man looking at credit score improvement on a large phone display, with a blue car in the background.
    Enhanced With Our
    MAX AI Logo

    Up to 9K Data Insights Per Member2

    Generates Member Future Score3

    $8.8K~ Loan Interest Saved Per Member4

      Illustration of Wall Street bull and CNDR investment banner on a neoclassical building with ticker symbol CNDR.
      Possible Public Listing8

      Reserved Ticker Symbol CNDR*

      Need at least 400 Investors

      $1,000 Minimum Investment

        View Important Disclosure Below
        A BROKEN SYSTEM

        93M Americans Don’t Qualify for Affordable Rates5

        The financial system is stacked against consumers, costing them an estimated $130 billion6 annually–yet maximizing your credit score could put tens of thousands of dollars back in your pocket.15

        Illustration of a joyful couple in a hot air balloon with a large '+65' symbol, symbolizing growth or progress.Illustration of a happy family in a hot air balloon with a large '+39' symbol on it, representing growth or positive engagement.
        Artificial Intelligence

        Solving the Multi-Billion-Dollar Problem in Financial Services, Enhanced With Our Max AI™

        Max AI™ processes millions of data points daily, giving us unparalleled intelligence into consumer credit behavior.

        MAX AI Data Engine logo surrounded by pastel circuit lines, symbolizing advanced data processing and connectivity.
        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.
        Traction

        Already Profitable,
        With $100M+ in 2024 Gross Revenue

        We’ve built a healthy, robust business that’s already leaving its mark in personal finance.

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        $100M+ in gross revenue in 20241, 44% annualized growth since 201914

        Profitable already, with a $10M+ EBITDA in 20241

        300K+ active
        monthly customers using our product suite

        Co-branded and white-labeled products for 3.8K+10 active partners

        $3B~ saved7 in home and auto loan interest by our members

        A total of 28.3 million points added to user credit scores13

        Business Model

        How ConsumerDirect® Makes Money

        Our diversified business model creates strong recurring revenue and proven profitability.

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        B2B2C
        Subscriptions

        Through affiliate and sponsored partnerships

        D2C
        Subscriptions

        With our products SmartCredit®, TheLendingScore.com & Hogo®

        Commissions From Consumer Lending

        Loan & credit card applicants approved via myLONA® offers

        B2B
        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.

        Illustration of a modern office lounge at ConsumerDirect, where people are engaged in conversations, working on laptops, and watching a video game on a large screen in a relaxed environment.
        Solution / Services

        Financial Control and Empowerment for Consumers

        Our product suite offers lending transparency, identity protection, data privacy solutions, and predictive insights from our proprietary data learning technology Max AI™.

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        SmartCredit®

        A credit score dial (similar to a speedometer) with a shield overlay.

        1. SmartCredit® (Better Credit & Money)

        Credit management and identity protection with personalized score tracking.

        Users gain 34+ credit score points on average in just 30 days.12
        Max AI™-driven tools that provide step-by-step credit action plans based on their potential future score.3
        Saves users thousands4 by unlocking lower rates on loans and credit cards.
        Includes identity protection tools that defend users’ financial data.
        A padlock with a star on it.

        2. Hogo (Fun, Yet Serious Financial Security)

        Gamified privacy app that guides users to secure financial data (and rewards them for doing so).

        A document with a dollar sign and checkmark OR a credit score gauge with a checkmark.

        3. TheLendingScore.com (Ideal Before Borrowing)

        FICO® Scores from all three bureaus, plus loan offers tailored to your credit profile.

        A cursor dropping a file or document icon into a trash can icon.

        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.

        A credit card with a magnifying glass.

        5. Consumer Credit Data API (Pre-Qualification for Lenders)

        Enables lenders to pre-qualify borrowers without impacting credit scores.

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        Two shaking hands with a document labeled "Loan Approved."

        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:

        Man and woman shaking hands with icons representing APIs, security, and analytics above them.
        Scaling B2B2C Partnerships

        Goal of Increasing Distribution Partners

        Expanding Partnership Channels

        Banks Connected with myLONA®

          smartcredit, hogo, the lendingscore.com logos
          User Base Expansion

          Goal of Increasing Active Members

          Expand Marketing Channels

          Enhance Products with Max AI™

            Happy woman celebrating loan approval next to a tablet showing “APPROVED” and a +81 score boost icon above her.
            Accelerating Max AITM

            Goal of Deeper Member Intelligence

            Help Partners with Growth & Retention

            Create New Ways to Help Consumers

              Smiling woman and cartoon dragon character celebrating with gift cards and digital rewards floating around them.
              Our robust platform and data fosters new markets and services — making ConsumerDirect® a no-brainer for Members
              Anne A.

              I love this site. Used it for some time. My score went up over 100 points.  I keep it so I can monitor my credit. Totally worth it.

              Todd A.

              I truly enjoy this app. It is helping me out tremendously as well as being super fun ! Standing ovation hogo! Thank you!

              Financials

              Our Growth By The Numbers8

              518%+ Gross Revenue Growth 2019-202416

              Gross Revenue GraphEBITDA Graph
              Perks

              Time Based Bonus

              Multiple investments in an offering cannot be combined to qualify for a larger campaign perk.

              INVEST
              $10,000+
              Receive
              8%
              bonus shares
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              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's Illustration
              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's illustration
              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.
              Theo Schrock's illustration
              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's illustration
              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's illustration
              Vannak Payabyab
              Controller
              • Has served various accounting-related roles since joining ConsumerDirect® in 2006
              • Currently oversees the Accounting and Billing departments
              Chris Peery's illustration
              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's illustration
              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.
              Theo Schrock's illustration
              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
              Steve Reger's illustration
              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's Illustration
              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.
              Mee Pineda's illustration
              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
              Steve Reger's illustration
              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
              David B. Coulter's Illustration
              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

              Important Disclosures:

              * Reserving the ticker symbol is not a guarantee that the company will go public. Listing on a national securities exchange is subject to approvals.
              ‍
              1 The financial information presented herein is derived from audited financial statements for the year ended December 31, 2024. Readers should refer to the full audited financial statements and accompanying notes for a comprehensive understanding
              ‍
              2 This number reflects the maximum potential insights generated per member and may vary by individual usage, data availability, and engagement levels as of April 2025.  All data is derived from internal methodologies and is unaudited. This information is provided for illustrative purposes only and is subject to change without notice.
              ‍
              3 Future Score: This tool is designed to project a potential future credit score based on certain variables in a user’s credit report. The projections are estimates only and are intended for informational purposes. Actual credit scores may vary and are influenced by numerous factors beyond those modeled. Results are not guaranteed and do not constitute financial advice. All projections are based on internal algorithms and assumptions as of April 2025 and are subject to change without notice.
              ‍
              4 8.8K loan interest saved per member: Calculation Methodology: Our savings estimates are derived from historical internal data, analyzing subscribers’ credit reports for increased scores in two categories: new auto and new mortgage financings. Assumptions include precise credit score reporting, consistent correlations between score ranges and financing rates, uniform loan terms (except interest rates), steady interest rates over the loan term, and consistent borrowing behaviors. Note that our estimates rely on accurate credit reporting, average loan data, and current interest rates, but may not account for individual interest rate variations or significant shifts in borrowing and repayment habits. We assumed a conversion from VantageScore® v3.0 to FICO® v8.0, verified by an official FICO® v8.0 calculator. Our calculation is subject to change without notice.
              ‍
              5 Calculation Methodology: Our estimated borrower numbers are derived from total addressable market (TAM) calculations, adjusted using borrower population percentages referenced in the Consumer Financial Protection Bureau’s (CFPB) 2021 report. This approach assumes the continued accuracy and applicability of the CFPB data to the current market landscape. We assume consistent definitions of borrower categories, uniform applicability of TAM boundaries, and the relevance of 2021 data to present conditions. These estimates depend on the precision of the original population segmentation and may not reflect recent shifts in borrower demographics, economic factors, or regulatory changes. Our calculation is subject to change without notice.
              ‍
              6 Based on data and insights shared during Intuit’s Investor Day 2021 presentation available at:
              https://investors.intuit.com/_assets/_323e181c91013c8841649b84f9038590/intuit/db/923/9388/pdf/Intuit-Investor-Day-2021-Presentation.pdf
              ‍
              7 Calculation Methodology: Our savings calculations are estimates using historical internal data. It is based on analyzing subscribers credit reports that had an increased credit score, while a current subscriber, for two categories: new auto and new mortgage financings. The calculations assumed precise credit score reporting, a consistent correlation between score ranges and financing rates, uniform loan terms except for interest rates, and steady interest rates over the loan’s term, along with unvarying borrowing behaviors among users. It’s important to note that our calculation estimates rely on accurate credit reporting, average loan data and current interest rates, but may not account for an individual subscriber’s interest rate variations, if any, or significant shifts in users’ borrowing and repayment habits, if any. Additionally, there was an assumed conversion from VantageScore® v3.0 to FICO® v8.0 and then verified by an official FICO® v8.0 calculator to determine savings from starting credit score to credit score before the above mentioned financing occurred. Our calculation is subject to change without notice.
              ‍
              8 This website contains forward-looking statements which are subject to risks, assumptions, and uncertainties (many of which are beyond the Company’s control) and speak only as of the date the Offering is launched. All statements other than statements of historical fact included in this letter are forward-looking statements and are based on assumptions the Company has made in light of its industry experience, perceptions of historical trends, current conditions, expected future developments and other factors it believes are reasonable and appropriate under the circumstances. As you consider an investment in the Company, you should understand that these statements are not guarantees of performance or results, and should one or more of these risks or uncertainties materialize, or should any of these assumptions prove incorrect or change, the Company’s actual operating and financial performance may vary in material respects from the performance projected in these forward-looking statements. The Company undertakes no obligation to update any forward-looking statement, except as may be required by law.

              Our primary motivation for this Offering is to acquire new shareholders in anticipation of a potential direct public listing of our shares on a national securities exchange. We have engaged a U.S. based investment banking firm to advise on a potential direct public listing, and we have secured the stock ticker symbol CNDR. However, any statements regarding a potential public direct listing are forward-looking statements, and there is no guarantee, or implied guarantee, that we will engage in, or be successful in, a direct public listing. If we are successful, the value of your shares may or may not increase, and there is a risk the value of your shares may decrease and even go to zero. Any potential direct public listing referenced in this Offering is dependent on a number of factors, including, but not limited to, SEC and securities exchange approval(s). As of the date of this Offering, we have not submitted any registration statement to the SEC or any application to any securities exchange, and we cannot guarantee or provide assurances that we will ever do so, nor that they will be approved if we do.

              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.
              ‍
              9 Disclaimer for Graphics Est : All forward-looking statements contained herein are estimates only and are based on current internal records and available market data as of the date of publication. These statements are inherently subject to risks, uncertainties, and changes in circumstances that may cause actual results to differ materially. The company makes no assurances as to the accuracy, completeness, or continued validity of such statements. All forward-looking information is subject to change at any time without notice and should not be relied upon as a guarantee of future performance.
              ‍
              10 3.8 k+ active partners : Based on internal company records as of March 2025. It reflects partners who engaged in qualifying business activities during the specified reporting period, as determined by internal criteria. This information is provided for informational purposes only and does not represent a guarantee of current or future partner activity. The definition of “active” may vary, and the active partners count is subject to change without notice.
              ‍
              12 34 points: Calculation Methodology: Average score calculations are based on historical internal data from SmartCredit® customers between Feb 2024-Feb 2025. The sample includes customers who started with a credit score below 580. Individual results may vary and are not guaranteed.
              ‍
              13 Since inception, our platform has contributed to a cumulative total of approximately 28.3 million points added to user credit scores. This figure was derived by analyzing the change in credit scores for each customer from their initial score upon onboarding to their most recent score recorded in our system. The cumulative total reflects the sum of individual score improvements across our entire user base. Individual results may vary, and past credit score improvements do not guarantee future performance. Estimates only. This calculation may change at anytime without notice.

              14               44% CAGR Calculation Methodology: The stated 44% compound annual growth rate (CAGR) is based on approximate gross revenue growth from $16.5 million in 2019 (unaudited) to $101.8 million in 2024 (audited). CAGR was calculated using the standard formula over a 5-year period: CAGR = [(2024 Revenue ÷ 2019 Revenue) ^ (1 ÷ 5)] - 1. This figure is intended to illustrate historical revenue growth and does not guarantee future results.

              ‍15 Based on a 2023 LendingTree study analyzing potential interest savings on common debt products. Actual savings will vary based on individual credit profiles, loan terms, market conditions, and lender practices. The referenced study can be found at LendingTree. This information is provided for illustrative purposes only and does not constitute financial advice or a guarantee of savings. Individual results may vary and are subject to change without notice.

              16 518%+ Gross Revenue Growth Calculation Methodology: The stated 518% gross revenue growth is based on an increase from approximately $16.5 million in 2019 (unaudited) to $101.8 million in 2024 (audited). This represents total cumulative growth over a 5-year period and is not annualized. Figures are intended to illustrate historical performance and do not guarantee future results.

              17 EBITDA Growth Calculation Disclaimer: EBITDA growth from 2019 to 2024 is based on internal financial records. 2019 EBITDA was approximately $1.8 million (unaudited), and 2024 EBITDA was approximately $10.2 million (audited). This represents a compound annual growth rate (CAGR) of approximately 41.5%, calculated using the standard CAGR formula:CAGR = (Ending Value / Beginning Value) ^ (1 / Number of Years) – 1.

              Investments in private placements, and start-up investments in particular, are speculative and involve a high degree of risk and those investors who cannot afford to lose their entire investment should not invest in start-ups. Companies seeking startup investment may be in earlier stages of development and their business model, products and services may not yet be fully developed, operational or tested in the public marketplace. There is no guarantee that the stated valuation and other terms are accurate or in agreement with the market or industry valuations. Further, investors may receive illiquid and/or restricted stock that may be subject to holding period requirements and/or liquidity concerns.

              This website may contain forward-looking statements and information relating to, among other things, the company, its business plan and strategy, and its industry. These forward-looking statements are based on the beliefs of, assumptions made by, and information currently available to the company’s management. When used in the offering materials, the words “estimate,” “project,” “believe,” “anticipate,” “intend,” “expect” and similar expressions are intended to identify forward-looking statements. These statements reflect management’s current views with respect to future events and are subject to risks and uncertainties that could cause the company’s actual results to differ materially from those contained in the forward-looking statements. Investors are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date on which they are made. The company does not undertake any obligation to revise or update these forward-looking statements to reflect events or circumstances after such date or to reflect the occurrence of unanticipated events.

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