The investor business plan behind a $72M raise

Real engagement, published with the client’s permission.

ClearFund Solutions business model page

Fig. 01 — ClearFund Solutions, business model — four brands, one market.

  • $72M Capital raised
  • 4 Brands positioned (one market, four underwriting profiles)
  • 5 yr Strategic roadmap

Overview

ClearFund Solutions operates four brands across the merchant cash advance market. We built the investor business plan and the raise materials around it: market sizing, business and cost model, competitor research, SWOT, reconciled financial metrics, organisational structure and a five-year roadmap covering the move from B-D paper into A-paper. The round closed at over $72 million.

The problem

A lender operating four brands in one market has to explain why that is a strategy rather than a mess — and do it to investors who understand the category’s risk profile better than most. The business was fundable but not legible: metrics were defined inconsistently across documents, and the org structure raised succession questions the materials did not answer.

What we did

  1. Separated the four brands by underwriting profile so the portfolio logic was legible rather than overlapping.
  2. Rebuilt the metric definitions from the underlying data so every number in the raise materials reconciled to one source.
  3. Sized the market from published research rather than internal optimism.
  4. Restructured the org chart to answer the succession and key-person questions before they were asked.
  5. Built the roadmap around the segment shift from higher-margin B-D paper into lower-risk A-paper, with the credit risk work that move requires.
  6. Documented the cost structure honestly, including commission, clawback and default exposure.
  7. Ran investor presentation coaching against the objections we expected.

Delivered

  • Full investor business plan
  • Market analysis and competitor research
  • Business and cost model
  • Reconciled financial metric definitions
  • SWOT and risk analysis
  • Organisation and management structure
  • Five-year strategic roadmap
  • Investor presentation coaching

Outcome

The round closed at over $72 million.

Specification

Practices: Finance & Accounting
Industries: Finance & Capital Markets, Banking & Lending

Inside the build

ClearFund Solutions business plan cover

Fig. 02 — Cover.

ClearFund Solutions proposition page

Fig. 03 — The proposition.

ClearFund Solutions SWOT analysis page

Fig. 04 — SWOT and risk.

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The investor business plan behind a $72M raise