Profitable, AI-Powered Tech, Now Preparing for a Potential Public Listing

Since 2003, ConsumerDirect has helped consumers take control of their finances, maturing into a massive fintech platform that earned over $100M in gross revenue last year alone¹. And it all happened without relying on venture capital or private equity.

Now the company is preparing for a potential public listing*, having already reserved the ticker symbol CNDR².

But instead of turning to institutions or private equity to meet listing requirements, they’re opening this round to the people who made their success possible: everyday people who are taking control of their financial lives.

So it’s no wonder investors are learning all they can about what’s driving ConsumerDirect’s success before the key June 13 deadline³.

The technology powering ConsumerDirect’s growth

At the center of ConsumerDirect’s platform is SmartCredit®, a suite of tools that lets consumers track and maximize their credit in real time. And behind SmartCredit® is Max AI™, a proprietary intelligence engine that analyzes up to 9,000 data points⁴ per user to deliver personalized credit-building strategies.

This is what makes the platform different: it’s an intelligent system that adapts to each person’s unique financial picture. And because MaxAI™ is deeply integrated into the platform, ConsumerDirect monetizes this engine through a diversified model:

• Direct-to-Consumer Subscriptions – Monthly fees for SmartCredit® access
• Affiliate Commissions – Revenue from credit cards, loans, and other partner products
• Enterprise Licensing – White-label and API partnerships with businesses

This high-margin, recurring revenue model has made ConsumerDirect profitable and scalable – a rare combination in fintech.

Traction that deserves credit

Since launching SmartCredit®, ConsumerDirect has helped its more than 300,000 monthly active users take control of their credit and financial health. That amounts to roughly $3 billion⁵ in combined savings through more informed lending decisions and personalized credit strategies.

That’s produced $102 million¹ in revenue and $10 million+ in EBITDA¹, but what makes those figures even more impressive is their 88% gross margins¹.

Of course, just as important is their business-to-business reach. More than 3,800 active partners⁶ now use ConsumerDirect’s platform through white-label or co-branded integrations, providing high-margin, recurring revenue and extending the company’s influence far beyond direct-to-consumer sales.

This mix of profitability, consumer demand, and B2B adoption positions ConsumerDirect for continued success.

Why investors are circling June 13

ConsumerDirect recently reserved the ticker symbol CNDR² in preparation for a potential direct public listing on a national securities exchange.

To list on an exchange, they need at least 200 individual investors who’ve invested $2,500 or more. Instead of courting institutional investors, they’re turning to those who power their mission: everyday people.

When you invest before June 13³ you can receive up to 14% in bonus shares:

• $2,500+ = 7% bonus
• $5,000+ = 9% bonus
• $10,000+ = 11% bonus
• +3% more for the first 200 investors

ConsumerDirect is profitable, growing, and ready to scale further. Don’t miss your chance to invest in a real business with real traction before its potential public listing.

Secure your ConsumerDirect shares before June 13 to maximize your stake in their growth.

This is a paid advertisement for Consumer Direct’s CF offering. Please read the offering circular at https://invest.consumerdirect.com/

^{1 The financial information presented herein is derived from audited financial statements for the year ended December 31, 2024. Readers should refer to the full audited financial statements and accompanying notes for a comprehensive understanding.}

^{2 Reserving the ticker symbol is not a guarantee that the company will go public. Listing on a national securities exchange is subject to approvals.}

^{3 See our Form C for important details regarding the investment deadline.}

^{4 This number reflects the maximum potential insights generated per member and may vary by individual usage, data availability, and engagement levels as of April 2025. All data is derived from internal methodologies and is unaudited. This information is provided for illustrative purposes only and is subject to change without notice.}

^{5 Calculation Methodology: Our savings calculations are estimates using historical internal data. It is based on analyzing subscribers credit reports that had an increased credit score, while a current subscriber, for two categories: new auto and new mortgage financings. The calculations assumed precise credit score reporting, a consistent correlation between score ranges and financing rates, uniform loan terms except for interest rates, and steady interest rates over the loan’s term, along with unvarying borrowing behaviors among users. It’s important to note that our calculation estimates rely on accurate credit reporting, average loan data and current interest rates, but may not account for an individual subscriber’s interest rate variations, if any, or significant shifts in users’ borrowing and repayment habits, if any. Additionally, there was an assumed conversion from VantageScore® v3.0 to FICO® v8.0 and then verified by an official FICO® v8.0 calculator to determine savings from starting credit score to credit score before the above mentioned financing occurred. Our calculation is subject to change without notice.}

^{6 Based on internal company records as of March 2025. It reflects partners who engaged in qualifying business activities during the specified reporting period, as determined by internal criteria. This information is provided for informational purposes only and does not represent a guarantee of current or future partner activity. The definition of “active” may vary, and the active partners count is subject to change without notice.}