Lendflo - Pitch Deck

Revolutionising commercial lending Page 1

There is a growing unmet demand for lending to small to medium size businesses (SMEs) £1.5tn Finance is not offered £400bn Rates are too expensive £59bn Process is too cumbersome OskOskarar *Banking on Growth: Closing the SME funding gap **Euler Hermes ***ABD

Operational costs and archaic risk systems lower bank appetite for serving the longer tail of small SMEs Processes are SMEs difficult to New digital manual and underwrite services can be costly hard to build OskOskarar

Lendflo provides a layer to rapidly build, launch, and operate digital lending solutions Reduced cost to serve With automated workflows Better decisioning Back office (underwriter experience) With analysis of rich data sources High customer engagement With 3rd party product embedding Front office (SME experience) 4

LendfloOS modular tech stack provides the foundation to rapidly deliver digital financial products er Front office Back office y UI (SME user experience) (underwriter experience) la Identity Open banking Real time risk Customer analytics Instant KYC management y or t t I er ar ec Accounting software y AP d p la onn 3r c Document management Rapid payments Workflow management Credit bureau Gov database ase er y Lendflo database Bank CRM database la Datab

Lendflo’s selective invoice financing for micro and small businesses Customer onboarding sub 5 mins 100% repeat usage to date 0% default rate 6

Lendflo outperforms the market on speed and ease of use Banks Can take weeks 2 minutes Customer onboarding Can take days Instant Pricing decision Can take days Within 1 hour / usually instant Funding time Manual paper based Digital only Data collection Limited / poor data Live, real time data sources SME credit scoring Manual and labour intensive Automated assistance Loan management 7

Accenture by numbers - leveraging the Accenture programme to refine and sell our lending-as-a-service proposition Sessions with mentors, corporates, and Product validation 14 accenture to refine product offering Banks expressing interest in leveraging Project scoping LendfloOS 8 Ongoing conversations and negotiation Commercial engagement 3 with banking clients 8

Refining our core risk module to open up new revenue opportunities on risk Refining data roadmap Alongside Accenture, corporates, and other startups we have refined our data strategy Supercharging existing operations Commercial opportunities established for licensing our proprietary data driven risk management solution 9

Opening up a new market by moving towards a Klarna like model Embedding within 3rd parties Delivering POS invoice financing for small and micro SMEs 10

Thank you www.lendflo.com chris.smith@lendflo.com Page 11