MATT BURTON, CEO & CO-FOUNDER THE FUTURE OF CAPITAL ACQUISITION
Orchard – Powering Marketplace Lending Confidential • Orchard Platform 2 Evolution of Capital in Marketplace Lending What’s next? Securitization Passive Institutional Bank involvement • Greater liquidity • Size of Capital Active Rated & regulated • Institutional Highly automated • Plug and play • Speed and scale • Retail Marketplace • Sophisticated infrastructure • Limited access • • Peer-to-peer • Early adopters • Credit & investment professionals Growth of Marketplace Lending 2
Orchard – Powering Marketplace Lending Confidential • Orchard Platform 3 The Biggest Challenges to Attracting New Capital #1. DATA QUALITY #2. LIQUIDITY
Orchard – Powering Marketplace Lending Confidential • Orchard Platform 4 The Biggest Challenges to Attracting New Capital 95% of Orchard customers said their firms “ would participate as buyers or sellers if there were to be a viable secondary market for marketplace lending whole loans ”
Orchard – Powering Marketplace Lending Confidential • Orchard Platform 5 Capital Markets Strategy Structured Credit ON Warehouse Line Facility Securitization BALANCE SHEET New Product Mature Product P R O D U C T L I F E C Y C L E OFF BALANCE Permanent Auction – Based Forward Flow SHEET Capital Vehicles Pricing
Orchard – Powering Marketplace Lending Confidential • Orchard Platform 6 Orchard Overview
Orchard – Powering Marketplace Lending Confidential • Orchard Platform 7 Marketplace Lending Overview Borrowers Managers Originators Investors Institutional Hedge Funds Consumer Individuals Principal Invests Principal Banks BDC’s Small Business Businesses Insurance Asset Managers Real Estate Pensions RIA’s Energy Family Offices Wealth Managers Auto Governments Medical Sovereign Funds Trade/Factoring Withdrawals P & I P & I Endowments Legal Foundations Commercial Equipment Fund of Funds
Orchard – Powering Marketplace Lending CONFIDENTIAL • Orchard Platform 8 Orchard Product Overview *Product in Development Investors Originators Data Market Data Manager Database Market Insights Investor Awareness Originator Database Monthly Industry Report Originator Detail Profile Market Overview Benchmarking Dashboard* Originator Database Originator Details Investor Permissioning Data Management Order Management System Reporting Infrastructure Investor Portfolio Dashboard Order Placement Portfolio Dashboard Investor Daily Platform Holdings Report Strategy Configuration Daily Platform Holdings Originator Dashboard* Strategy Analysis Report Custom Report Builder* Rules Engine* Daily Portfolio Summary Borrowing Base Report* Analytics Analytics File Databasing* Cash Flow Simulator* Cash Flow Simulator* Custom Report Builder* Excel Plugin* Custom Report Builder* Marketplace Marketplace* Marketplace*
THANK YOU Matt Burton, CEO & Co-Founder matt@orchardplatform.com www.orchardplatform.com
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