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LenderLab
Safe Haven intro to yield generating notes with historical performance and participate in blockchain and crypto projects without the volatility of meme tokens.
Introduction
LenderLab is a fintech company comprising blockchain, finance, and compliance experts, dedicated to creating compliant and innovative financial products. Our focus on transparency, security, and adherence to regulations has solidified our reputation as a trusted player in blockchain-based finance. We specialize in developing unique financial instruments like NBTs (Note Backed Tokens) with a primary focus on solar energy debt notes, leveraging our industry-leading experience to navigate the regulatory landscape effectively.
Our flagship products are tokenized debt notes (ERC721 tokens) secured by UCC fixture filings, providing investors with a secure and transparent means of investing in debt notes. These NBTs offer a novel opportunity to generate yields distributed through a treasury smart contract, all while harnessing the efficiency, security, and compliance advantages of blockchain technology for investing in debt notes backed by real-world assets.
The Problem
As a company operating in the lending industry, our primary challenge has been access to capital. Traditional sources of funding, such as banks, are expensive and difficult to access, limiting our ability for growth and expansion. Additionally, traditional funding sources are expensive, and eat into profits and hinder our competitiveness in the market.
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Solutions
The tokenization of UCC loans represents a newand exciting way to invest in a rapidly growingvertical channel that is currently underserved bytraditional financial products. This asset classhas the potential to increase the Liquidity ofcapital by providing investors with a new way togenerate yield while also promoting financialinclusion and transparency.
By tokenizing UCC loans, we create a newinvestment product that can be easily boughtand sold on a blockchain- based exchanges,offering investors greater liquidity and flexibility.This will attract retail investors and those whomay have previously been excluded from themarket due to high barriers to entry.
Our product leverages blockchaintechnology to create a more transparent,accountable, and trustworthy investmentplatform. By tokenizing UCC loans usingERC721 tokens, investors can have a clearunderstanding of the underlying assets andhow their investments are being managed.The use of a treasury smart contract fundedby stable coin deposits provides anadditional layer of transparency andsecurity.
Our product provides investors with access to a new asset class that is both liquid and transparent. By tokenizing UCC loans, we create a new investment product that can be easily bought and sold on a blockchain-based exchange, offering investors greater liquidity and flexibility. The use of blockchain technology also streamlines the onboarding and off boarding of funds, making the process faster, cheaper, and more secure.
By creating tokens that represent a 1-to-1 ownership of an underlying UCC loan, investors can have true ownership and control over their investments. This provides investors with a higher degree of transparency, control, and understanding of the risks and potential returns associated with their investments.
The tokenization of UCC loans represents a new and exciting way to invest in a rapidly growing vertical that is currently underserved by traditional financial products. This asset class has the potential to increase the diffusion of capital by providing investors with a new way to generate yield while also promoting financial inclusion and transparency.
Tokenization of UCC loans offers lenders an opportunity to sell these loans to a larger market segment than would be possible with traditional lending methods. By leveraging blockchain technology and creating a more transparent and efficient investment platform, lenders can attract a wider range of investors and access capital more easily.
The use of blockchain technology and tokenization enables lenders to create a more liquid market for UCC loans, which can reduce the risks associated with illiquid markets. This increased liquidity provides lenders with greater flexibility in managing their portfolios and can enable them to meet the funding needs of borrowers more effectively.
By eliminating the need for middlemen, such as banks, LenderLab can reduce their costs and improve the profitability of their lending operations - passing on increased revenue to prospective investors. Additionally, the use of blockchain technology can streamline many operational processes, reducing costs associated with operations and compliance.
Tokenization of UCC loans can help lenders ensure compliance with a range of regulatory requirements. By leveraging blockchain technology to create a moretransparent and efficient investment platform, lenders can improve their reporting capabilities and ensure that they comply with relevant regulations while mitigating compliance related costs.
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Flow Chart
LenderLab purchases ESG debt notes from Originator at a 5% - 35% Discount.
LenderLab creates tokens for each individual loan, 1 to 1 NFT’s Note Backed Tokens (NBT’s)
LenderLab pools NBT’s.
LenderLab creates fungible ERC20 tokens pegged to USD, for the total value of the debt note pool. 1 Green Energy Token (GET) represents $1 of underlying assets.
Green Energy Tokens are sold on exchanges
Payments are collected and Green Energy Token holders receive the yield (interest) paid by the debt notes in the pool.
When an NBT is paid in full the tokens are burned
The principal from the burned NBT is recycled and used to purchase new debt packages which are then tokenized to replenish the pool.
Marketing Startegy
Consider joining or collaborating with accredited investor networks or organizations that facilitate connections between accredited investors and investment opportunities. These networks often provide a platform to showcase your offering.
Identify potential accredited investors and directly reach out to them through targeted email campaigns or personalized communication. Focus on building relationships, demonstrating credibility, and tailoring your messaging to their investment preferences.
Participate in relevant industry conferences, seminars, or networking events where accredited investors may be present. Establish connections and engage in conversations to showcase your investment opportunity.
Engage with potential users and investors by creating online communities on social media platforms, forums, and messaging apps. Provide valuable content, answer questions, and foster discussions to build trust and loyalty among your community members.
Host or participate in crypto-related events, conferences, webinars, and AMAs (Ask Me Anything) sessions. These platforms allow you to showcase your project, network with industry professionals, and engage directly with potential users and investors.
Create a unique and compelling brand for your cryptocurrency project. This includes designing a professional logo, website, and marketing materials that reflect the values and vision of your project.
Solar Poised For Growth
The residential solar market is experiencing its 6th consecutive year of growth in 2022, growing by 40% over 2021 with a total of 5.9 gigawatts in total system power installed.
Customers continue to be motivated by increasing household electricity bills brought on by the pandemic, power outages, and low financing costs. Long term growth in the solar and green energy sectors are currently being supported by Federal and State tax rebates and grants.
LenderLab is projecting in excess of $2 Billion (up from $470 Million) in new loans. This accounts for over 3% of the domestic market share in solar power loans.
Mission Summary
- LenderLab’s mission will be to increase the lending capacity of Enium Capital by tokenizing Enium Capital’s debt note packages as ERC721 tokens or note backed tokens (NBTs).
- Enium Capital currently finances ESG projects in the solar energy. Primarily A+ Paper qualified clients with High FICO Scores, Equity in their homes allowing for a UCC Fixture filing to secure the Note.
- Enium Capital financed a total of $470 Million in 2022 with an average loan value of $40,000 per client. 2023 - 2027 projections reflect a demand for over $2 - $6 Billion in total lending
- Enium Capital is currently turning away 53% of its qualified customers due to a lack of lending capital.
- Enium Capital is represented by Deloitte International
- The $150 Million will be used to purchase existing debt note packages from Enium Capital at a 15% discount.
- LenderLab will raise additional capital to purchase future Debt Note packages thru the sale of “Phase 1” ERC721 Tokens or note backed tokens to family offices, hedge funds, insurance groups, etc.
- “Phase 2” will enable LenderLab to market fungible tokens to non-accredited investors thru raising additional capital on decentralized exchanges selling fungible tokens or fractional ownership of the NBT’s.
- Additionally, LenderLab's subsidiary company Steller Assure will provide an additional insurance product in high risk weather locations that will insure newly installed solar power systems from hurricanes or tornado damage. Enium Capital will sell this product to its future customers adding approximately $5.2 million in annual revenue.
Former Chevron executive with 32 years of experience in marketing, business management, sales, and operations.
Leslie joined Enium in 2015 and has led customer facing services and partner relations since that time.She previously worked for 10 years in investigative journalism and corporate investigation.
Kirk has an extensive knowledge of blockchain technology. His personal interest in blockchain technology began in 2011 when he bought his first Bitcoin. He has been providing technical solutions, security consulting, and systems architecture for large and small banking organizations for decades.
Jack co-founded Enium in 2013 and has overseen financial activity and strategy since inception. He has 35 years of experience in accounting and financial leadership focused on sustainability and long-term growth.
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