
Transforming Australian SME & Corporate Banking
Investor Presentation
Confidential
Transforming Australian SME & Corporate banking with global reach
2-3 million SMEs and mid-market corporates underserved by Big 4, with growing cross-border needs
Modern technology stack delivering superior customer experience and operational efficiency
APRA-regulated ADI with experienced team navigating licensing pathway
Executive team with deep banking, regulatory, and technology expertise
Seeking $2 Billion USD to establish a globally-respected Australian banking institution with China and MENA expansion pathway
What we have on the table today
Renegade Bank trademark filed and accepted
SMEBankinaBox ecosystem with 18 proven components
Experienced leadership in banking, regulation, and finance
Established relationships with institutional and HNWI investors
Clear APRA pathway with Trust-to-ADI strategy
Building to $2Bn USD for China bank licence threshold
Total raise across 4 tranches — pathway to China
World-class leadership with Harvard credentials and Big 4 bank experience
Executive Chairman
Chief Executive Officer
Chief Executive - Private Bank and Investor Relations
Chief Financial Officer
Combined 80+ years of experience across Australia's Big 4 banks, APRA regulatory leadership, Harvard University, WeChat Pay, and global fintech. Our team has directly shaped Australia's banking regulation and pioneered cross-border payment infrastructure between Australia, China, and Asia-Pacific.
Australian banking licence as foundation for $2Bn+ global trade finance institution
Australian ADI licence is recognized and trusted worldwide. APRA's rigorous standards signal credibility to regulators in China, MENA, and beyond.
Big 4 control 75%+ of Australia. Africa has $120Bn trade finance gap. Intra-African banks fund only 12% of continental trade.
China requires US$20Bn+ minimum capital for distinguished foreign bank status. Our pathway: Australia → $2Bn capital base → China licence by Year 5+.
Follow Afreximbank model ($48.5Bn assets). Target Algeria, Morocco, GCC markets — $3.4T intra-African trade potential largely unbanked.
ADI licence, $2Bn AUM, prove SME/trade finance model, build capital base
Hong Kong, Singapore hubs. Apply for China foreign bank licence at $20Bn+ capital threshold
GCC markets, North Africa (Morocco, Algeria). Partner with Afreximbank to address $120Bn trade finance gap
Australian banking licences carry exceptional international prestige. APRA's world-class regulatory standards are recognized by CBIRC (China), SAMA (Saudi), and regulators across MENA/Africa as a mark of institutional credibility — essential for obtaining correspondent banking relationships and foreign bank licences in these markets.
Share allocation, founder equity, and introducer commissions
Fully diluted share count at completion
Founders shares vest over 4 years: 25% at Year 1 (cliff), then monthly vesting. Accelerated vesting on ADI license approval and key milestones. Performance-based tranches tied to AUM targets ($500M, $1Bn, $2Bn).
Diversified sector focus with multiple revenue streams
SME lending, receivables finance, equipment finance, business loans
Net interest margin 3-5%
Development finance, construction loans, tokenised property (EstateCoin)
Fees + equity participation
Financing for digital infrastructure, colocation facilities, edge computing
Project finance + recurring
Fintech partnerships, AI/ML ventures, blockchain infrastructure
Venture returns + platform fees
Farm equipment, seasonal finance, commodity trading facilities
Secured lending + trade finance
Renewable projects, battery storage, grid infrastructure financing
Green bonds + project finance
Cross-border payments, real-time settlement, multi-currency accounts
Transaction fees + FX spread
Letters of credit, supply chain finance, export/import facilities
Fees + interest margin
Spot, forward, hedging solutions for SME/Corporate clients
FX margin + advisory fees
Lower cost base than legacy competitors
Modern mobile-first customer experience
Advanced analytics for risk and marketing
Rapid product development and iteration
SMEBankinaBox — FinanceCloud Ecosystem
18 components across four value-chain layers with proven technology
DealDrive
Multi-channel origination including Customer Direct, Broker Direct, Executive HUB, and Deal Board aggregation
ADAM BI + Gatekeeper
AI-driven credit analysis with 100,000+ data points, 37 lookup tables, 288 decision tiers, and real-time policy enforcement
Guardian AMS
25+ year Australian platform for loans, revolving trade receivables, securitisation reporting, and trust accounting
PayNow + EstateCoin
Cards, wallets, blockchain settlement, tokenised property, and stablecoin capabilities
White-label bank under client brand for ecosystem networks, contractors, developers, and institutional guilds
Regulatory Tailwinds — April 2026
RBA surcharge ban + interchange cuts (Oct 2026) • Project Acacia DFMI sandbox • BNPL ACL (Jun 2025) • ASIC digital asset framework • $24B tokenisation opportunity
Trust to Full ADI: Proven pathway to banking licence
Establish non-bank lending trust, $50M equity raise + $200M debt facility
Lodge full ADI application demonstrating Trust profitability
Application fee: ~$120,000 AUD
AWS/Azure deployment, core banking systems, compliance frameworks
Full banking licence granted, unlocking deposit funding and scale
Deploy additional equity ($1Bn+/year), scale to $22Bn AUM by Year 5
Demonstrate Profitability
Prove business model and credit capabilities to APRA before ADI application
De-risk Regulatory Process
Operating track record significantly improves ADI approval probability
Capital Efficiency
Deploy capital in lending operations while ADI application is processed
Team & Systems Ready
Build out all required capabilities during Trust phase, ready for ADI day one
5-Year pathway from Trust to $22Bn ADI
Trust phase profitability de-risks ADI application. Proven technology platform and experienced team accelerate execution. Capital efficiency through deferred expenses and debt leverage maximises investor returns.
Two-Phase Strategic Approach
| Investor Class | Entry Price | Target VPS | Return Multiple |
|---|---|---|---|
| Seed Investors (Y1) | $0.50 | $5.00+ | 10x+ |
| Series A (Y2) | $1.00 | $5.00+ | 5x+ |
| ADI Round (Y3) | $2.00 | $5.00+ | 2.5x+ |
| Phase | Timing | Equity Raise | Debt/Deposits | Target AUM | Status |
|---|---|---|---|---|---|
| Phase 1 | Y1-Y2 | $50M | $200M | ~$230M | Trust Phase (M1-M24) |
| Phase 2 | Y3 | +$200M | Deposits ($M) | ~$2Bn | ADI Granted |
| Phase 3 | Y4 | +$1Bn | Deposits ($M) | ~$12Bn | Scale |
| Phase 4 | Y5 | +$1Bn | Deposits ($M) | ~$22Bn | Scale |
Total: $101M across four raises: $2.25Bn equity across four phases
Investment entry points and liquidity pathways
Target ASX listing at $20Bn+ AUM with institutional investor base
Acquisition by major bank, fintech, or private equity at premium
Regular dividends once profitable with 30-40% payout ratio target
Facilitated secondary market for investor liquidity pre-IPO
Enterprise Value
Share Price
AUM Target
Total Equity Raised
Phase 1: $50M Equity + $200M Debt Facility
| Phase | Equity | Debt/Deposits | Total Capital | Purpose |
|---|---|---|---|---|
| Phase 1 (Y1-2) | $50M | $200M | $250M | Trust setup, $230M assets |
| Phase 2 (Y3) | $200M | Deposits ($M) | $200M+ | ADI scale to $2Bn |
| Phase 3 (Y4) | $1Bn | Deposits ($M) | $1Bn+ | Scale to $12Bn |
| Phase 4 (Y5) | $1Bn | Deposits ($M) | $1Bn+ | Scale to $22Bn |
$200M warehouse facility secured against receivables. Combined with $50M equity provides $250M total capital to fund ~$230M of assets in Years 1-2 before ADI.
Transforming Australian SME & Corporate Banking
2-3 million businesses underserved by Big 4
Big 4 control 75%+ with poor SME service
Australia-Asia-Middle East trade corridors
SMEs seeking modern banking solutions

Closing Phase 1 and commencing operations
Current Focus
Foundation equity to establish Trust operations and demonstrate profitability pathway
$0.50
Entry Price
10x+
Target Return
Yes
Board Seat (Major)
First
Priority Rights
Let's discuss how you can participate in Phase 1

Transforming Australian SME & Corporate Banking
Investor Presentation
Confidential