Financing freight payment advances (digital factoring) at a target annual return of 36% per annum or 1% per 10 days advanced. We receive repayment for advances against freight invoices in an average or 31 days as of 2020. Our current default/loss rate is less than 0.07% per year. We also offer the digital freight payment management system and API that we use to eliminate fraud, risk and payment scheudling and automation as a SaaS product for larger freight companies that do not need the financing (launching in 2021). SaaS tiers coming in 2021 $1,500mo for AP only $2,500/mo for AP & AR $10,000/mo for Enterprise including full white labeling + $2.50-$3.50 per successful payment transaction settlement

API and integration first engineering focus specific to the challenges of both the AP & AR side of freight payments. Proven technology for risk and fraud mitigation (proven by our default/loss rate in financed transactions to date). Easy to deploy, set up and use for both carriers and brokers. Current market options are limited to inflexible legacy based Fincos for carriers and only a few options for brokers that are expensive or require heavy loan covenants that can't be accessed by 90% 0f the freight companies servicing the market.

We acquire carriers through a free job finding app (60%) and other carriers we acquire via direct invitation to our payments service from freight brokers. We acquire brokers via 50% via direct sales outreach by inside sales reps and 50% via partner referrals from other transportation technology platforms. These platforms also integrate with our API making our payment and financing service embedded within the workflow of the freight brokers rapidly increasing volumes as the marketing to the partner platforms users ramps up.