To create an incredibly seamless and efficient platform that allows lenders, brokers, and borrowers to better navigate the commercial lending process.

“To become the TurboTax of commercial lending.”

VISION & VALUES

FOCUS ON QUALITY

ENHANCEDEFFICIENCY

CONTINUOUS INNOVATION

Commercial lending is inefficient, tedious, and siloed.

Need for Simplicity.

Small businesses need empowerment through modern Technology.

CHALLENGES WITH CURRENT LENDINGECOSYSTEM

MARKET SIZE

Lenders DistributionCommercial Real Estate

$, T

rill

ion

s

Average Market Growth

4.41%

Number of Lenders*

5,184

* FDIC Insured

Potential Lending Market

$ 2.35 Trillion

VALUE OFFERING

• Has complete view from the beginning to the end.

• One template for multiple deals

• Pro active resolution of potential issues and transparency to increase revenue

LendingTrio’s platform makes the commercial real estate closing process more streamlined and less labor- intensive for the lender, the broker, and the borrower.

Enhanced Communication

Simplicity

Balanced Ownership

• Guides the flow of information with 360 degree view

• Can filter potential lenders and act as match maker on individual deals

• Can anticipate and act to resolve issues with predictive power of eco system

• Can get faster response from Lender and Broker

• Gets transparency over the deal

• Streamlines the underwriting process and have more options to select from

Lender Broker Borrower

Speed

KEY DIFFERENTIATORS & COMPETITORS

• Seamless Experience, Enhanced Efficiency, and Increase in Revenues

• End to End Lending Process Management

• AI Driven Automation & Meaningful Analytical Insights

• Simplistic Platform with Agile Performance

• Streamline communication between all parties

• Using online platform to accelerate loan application process

• Customized User Experience based on deep market research

BUSINESS MODEL ECOSYSTEM

1. Athena will provide custom journey to each deal for all the stakeholders on online browser based platforms and overview on mobile

2. Field Support is provided to customers through phone, email, and chat

3. Athena will also enable companies to manage their agents on centralized platform and benchmark their performance

4. With embedded data science , we deliver a personalized experience for Lender, Broker , and Borrower

5. Athena helps drive increased engagement, conversion, and revenue for their customers

Athena SolutionService OfferingsRevenue Model

Subscription AdWords

Present

Future

Feature based revenues on Insights

Audit Service by TPP

Deal Facilitation Fees

MEET OUR TEAM

ArpitProduct Manager & Advisor+1-(205)-541-2922

High-achieving Information Technology leader driven to deliver

digital transformation, influencing and streamlining strategy to

align business and products with industry trends using data and

analytics. Helping fortune 500 clients gain a competitive edge

through agile transformation and increased revenue by

identifying and incorporating customer needs into product

strategy, technical solutions and implementing technology

products that solve problems and enhance their capabilities

providing a strategic direction.

Key Competencies

Managed Agile transformation and implementation of >50M

digital projects, owning an annual budget of $2.5M.

Successfully implemented BBVA bank’s strategy through their

commercial banking & onboarding applications creating a

market niche that contributed to an immediate 16% increase in

application revenues.

Led the Digital Transformation project converting waterfall

delivery into a successful AGILE technology delivery lifecycle.

Successfully Performed Post-Merger IT Integration streamlining

applications leveraging Business & Data Analytics

JosephProduct Owner & SME+1-(619)-992-9503

BhupendrasinhProduct Manager & Advisor+1-(612)-402-1437

Strategic, collaborative, and data-driven commercial real estate

business professional with 5 years of experience utilizing

technological tools, change management theory, and innovation

from analytical insights to improve business operations and drive

financial performance. Joseph has extensive Business Analytics

experience , Operational Efficiencies, Market Analysis & Industry

Research, Business Develop

Key Competencies

Collaborate with company executives and IT department to

improve communication on technical issues resulting in more

efficient business processes and work flows.

Design and execute marketing strategies using efficient and

cost-effective methods to exceed annual growth projections for

loan portfolio.

Lead process improvement initiatives to implement new financial

analysis software to improve department efficiency resulting in

improved customer service.

Accomplished business executive with a proven record of

accomplishments in Database Analysis, Visualization, and

Machine Learning. Instrumental in delivering world class product

through cross functional leadership and management expertise.

Leading teams of analyst and data scientist to help company

grow in technical and analytical prowess. Proven expertise in

managing large and small projects and operations while leading

a successful team.

Key Competencies

Leading and managing data analytics and technology life cycle

for FCPA and SOX global team with focus on development,

deployment, and maintenance of world’s leading FCPA analytics

practice.

Drove collaboration between various internal and external teams

to create a successful ethics and compliance analytics practice

with focus on efficiency improvements and exploration of action-

based insights.

Developed numerous algorithms with implementation in process

and product for Market Basket Analysis, Campaign Efficiency

Evaluation & Cross Campaign Analysis.

STAKEHOLDERS

Lender

Broker

Borrower

Financial Institution

Many DealsHigher Revenue

Lowest Interest RateBest Terms

Highest Yield Minimal Risk

Lender at local bank wants a simple and easy-to-implementsystem to help them manage and analyze their commercial real estateloans more accurately and faster without needing a Ph.D. in analytics orspending all their time setting up software

Individual or Institution

Individual or Entity

Real Estate Broker looking for one platform that allows her tocommunicate quickly and easily with her borrower and potential lendersso that more lenders look at her deals resulting in the best offer for herborrowers

Real estate borrowers wants a fast and simple process to purchase orrefinance their commercial real estate loans while also having moretransparency throughout the entire lending process

LENDINGTRIO PLATFORMLender’s Dashboard Broker’s Work Items

LENDINGTRIO PLATFORMLoan Wizard Application Survey

FUTURE OPPORTUNITIES

• Multiple smaller banks can syndicate on one platform to complete a deal

• One stop solution and One Source of Truth for all of them

• Provides break through solution to emerging market companies

• Streamlines the operations

• Potential Crowdfunding opportunity as borrower can have shared login

• Can work as entity or person for individual deals