A chance for Polish

companies and investors

ConfidentialDISCLAIMER: This document (including attachments) is confidential and intended solely for the recipient's message, its publication (in whole or in part),

use for purposes other than learning the concepts and assumptions of the Business Plan, making it available to third parties other than the company's

employees, without the written consent of the Capital Loan Fund, it is not allowed and may constitute a breach of business secret.

Presentation plan

1. Business model

2. Product and offer

3. About us

1. Business model

Business model of KFP

M I D

Bond Loan issue

Principal + Interest

INVESTORS

Share in profits

Business model of KFP

M I D

Bond Loan issue

Principal + Interest

INVESTORS

Share in profits

▪ Very low operating costs

▪ A business model based on outsourcing

▪ Respect for money - we care for every 1 EUR

2. Product and offer

Our Product

Business Loan

▪ For companies

▪ Amount from 10.000 - 200.000 PLN

▪ Duration 12 and 24 months

▪ Fast decision – in 24h

▪ Simple loan agreement and rules

▪ Collateral: bill of exchange

Sales channel: External network

In 2018, according to the

consistent implementation of our

distribution strategy, we managed

to significantly increase of

Brokers who can offer our

product.

At the end of 2018, we have more

than 13,000 registered partners,

it’s an increase of 240%compared to 2017. Besides in

2018 we focused on activating

our partners, which resulted in

4380 brokers who actively

cooperate with us. It’s an increase

of over 300% compared to the

previous year.

0

500

1000

1500

2000

2500

3000

3500

4000

4500

5000

2016 2017 2018

0

2000

4000

6000

8000

10000

12000

14000

Number of Brokers Number of active Brokers

Main loan brokres

Value of loan applications

In 2018, we received 2014 loan applications for a total amount of

over PLN 231 million. it's an increase of over 180% compared

to 2017.

0

500

1000

1500

2000

2500

0 PLN

50 000 000 PLN

100 000 000 PLN

150 000 000 PLN

200 000 000 PLN

250 000 000 PLN

2016 2017 2018

Amount of applications Number of applications

Value of issued loans

In 2018, we issued

288 loans for a total

amount of almost

PLN 21 million. it's

an increase of over

180% compared to

2017

0

50

100

150

200

250

300

350

0 PLN

5 000 000 PLN

10 000 000 PLN

15 000 000 PLN

20 000 000 PLN

25 000 000 PLN

2016 2017 2018Amount of issued loans Number of issued loans

Repayments

In 2018 though the

increase of our business,

we achieve a very high

level of repayments due

to management of loans

granted by us. In 2018,

we received a repayment

amount of over PLN 9.3

million, it's 450%

increase compared to

2017.

0

0,2

0,4

0,6

0,8

1

1,2

0 PLN

1 000 000 PLN

2 000 000 PLN

3 000 000 PLN

4 000 000 PLN

5 000 000 PLN

6 000 000 PLN

7 000 000 PLN

8 000 000 PLN

9 000 000 PLN

10 000 000 PLN

2016 2017 2018

Repayments

Projections of loan portfolio statistics

Current

31-90 days past due

91-180 days past due

>180 days past due

Additional fees

Additional fees

Enforcement proceedings

opracowanie własne Spółki

70%

10%

10%

10%

Summary

2018 was the best year in all the most important parameters of our

business. A significant increase of sales network with increase of

active partners, allowed us to get increase of received

applications and launched loans.

The effectiveness of our scoring model is confirmed in high level

of repayment.

All presented data allow us to predict further dynamic

development of our company in the coming years.

3. About us

(TV / MEDIA)

TV Commercial TVP Info / TVN 24BIS

News about Us

Kapitałowy Fundusz Pożyczkowy S.A. address: Warszawa (00-683), Marszałkowska Street 83/33, KRS: 0000529534,

NIP: 181168710.