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. Media 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 - 100.000 zł

▪ Duration from 3 to 24 months

▪ Fast decision – in 24h

▪ Simple loan agreement and rules

▪ Collateral: bill of exchange

Sales channel: External network

In 3th quarter of 2018, due to

signed of new brokerage

agreements, we continue to

extend our external sales

network. At the end of Q3

2018, we've coopareted with

12.710 loan brokers (active is

about 4.000 loan brokers).

Comparing to last year,

number of people in our sales

network increase almost

283%

0

2000

4000

6000

8000

10000

12000

14000

Number of brokers

Q3 2017 Q42017 Q1 2018 Q2 2018 Q3 2018

283% growth

Main loan brokres

Value of loan applications

In 3th quarter of 2018, we received loan applications for a total of

amount EUR 14,2 million. It was best quarter this area.

Compared to Q3 2017, we have achieved growth by almost

167%.

- EUR

2 000 000 EUR

4 000 000 EUR

6 000 000 EUR

8 000 000 EUR

10 000 000 EUR

12 000 000 EUR

14 000 000 EUR

Value of loan applications

Q3 2017 Q4 2017 Q1 2018 Q2 2018 Q3 2018

167 % growth

Value of issued loans

In 3th quarter of 2018, we

achieved a best quarterly

result of value of issued

loans. It was best quarter this

area. Compared to 3th

quarter of 2017, we have

achieved growth almost

150%. Sum of sales of three

quarters of 2018 is

significantly higher than sales

of the whole year 2017.

Portfolio aging structure

At the end of Q3 2018,

Portfolio aging structure is

stabile. We have a very high

level of repayments due to

issued loans. In 3th quarter of

2018, we received a record

repayment amount of over

EUR 0,6 million. Compared to

Q3 2017, we have achieved

growth by almost 400%.

- EUR

100 000 EUR

200 000 EUR

300 000 EUR

400 000 EUR

500 000 EUR

600 000 EUR

700 000 EUR

Q3 2017 Q4 2017 Q1 2018 Q2 2018 Q3 2018

400% growth

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

3th quarter of 2018 was best in all the most important parameters

of our business, that is value of loan repayments, value of

received applications and volume of issued loans. Extending of

external sales network, growth of sales confirms the attractiveness

and uniqueness of our product.

3. About us

(TV / MEDIA)

News about Us

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

NIP: 181168710.