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We were promised
global finance,
but it never came.
B2B financing for SMEs has a suffocating bottleneck.

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 SME growth globally is capped by
inflexible local financing, creating a
$2.6 trillion total credit gap.

“Overall, approximately 70% of all micro, small and medium-

sized enterprises (MSMEs) in emerging markets lack access to
credit.”
(World Bank, 2017)

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 Financing has
moved on from
inefficient
traditional
models.

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 THE MARKET CHANGED THE TECHNOLOGY CHANGED

Digital finance Blockchain

becomes technology cuts the
dependable. paperwork out of
agreements.
Be it P2P or institutional investors,
everyone is participating in digital
marketplaces. Blockchain technology allows
running financial systems 100%
dependable and trustworthy.

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 pen finance
We are opening up the financing chain so you no
longer have to be a large financial entity to participate.

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 BUSINESSES INVESTORS SERVICES

Borrowing Investing Providing

for growth funds support

SME’s can liquify assets and Individuals and companies can Local financial entities can
attract financing on-demand, participate by putting their participate in the chain and
regardless of local financial capital to work globally. gain new business.
constraints.

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 How to
make it
possible?

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 By decentralising the
financing chain.

We dissected the financing process

to make it work as a balanced
ecosystem rather than separate
inflexible units.

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 An open model that
works for all parties:

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 Example: Traditional financing disadvantages:

An SME from
an emerging
market looks
Low risk Standardised and Slow centralised
to attract funds. tolerance inflexible terms process

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 RISK INVESTOR DEBT SECONDARY
LOCAL SME ASSESSMENT
INSURANCE
COLLECTOR MARKET

Looking to
attract funds
for growth

A local bank centralises the process, blocking access to financing.

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 Open system:

SME attracting
funds through > &
Debitum
The process combines the Debitum Local Global
assurance of local expertise Network infrastructure participation
with the liquidity of
international capital.

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 RISK DEBT SECONDARY
LOCAL SME INSURANCE INVESTOR
ASSESSMENT COLLECTOR MARKET

Looking to Any local Any insurance Any individual or Any local debt Any individual or
attract funds risk analyst provider globally company collector company
for growth globally globally

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 Debitum participants make financing open by taking part

RISK INSURANCE INVESTOR DEBT SECONDARY

BORROWER ASSESSMENT COLLECTOR MARKET

Local Any local Any insurance Any individual or Any local debt Any individual or
SME risk analyst provider globally company collector company
globally globally

and SME’s get financing faster and with flexible terms.

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 Making the system
work right from
the start

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 Despite the hype,
smart contracts are
currently neither
smart, nor
contracts.
We are realistic about what crypto can
currently achieve and how to make the
best use of it.

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 That is why Debitum
is built as a hybrid
platform

Combining blockchain efficiency Blockchain Fiat

with working fiat transactions. processes transactions

Processes run through Blockchain,

allowing for a secure and
incorruptible infrastructure.

Transactions run through fiat,

ensuring businesses can actually
use the service easily and right
away.

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 To build
Debitum,
we integrated
financial
competence
and digital
expertise.

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 DEBIFO

Alternative financing expertise Started in 2015, Debifo is now of the leading

alternative financing platforms for SME’s.
In 2016, it was awarded Financial Service of
We are the the Year.

founders of
Invoice turnaround
Debifo 19M EUR reached in 2 years

Investment
3M EUR raised in 2 years

Individual investors and

>2000 international funds

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 INNTEC

One of the most innovative IT companies in

Northern Europe, providing high quality IT
services for public and private sectors.
Projects include:

A national Electicity price National Commission

comparison engine for Energy Control

IT infrastructure expertise

A rail risk management and State Railway

We are the monitoring system Inspectorate

founders of
The SAFTEC® accounting data
Inntec conversion system

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 We have a fully
working MVP

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 Our MVP is already
opening-up financing.

Full blockchain infrastructure

Runs on ETH

Based on real Debifo

financing requests from
SME’s

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 Making alternative finance mainstream

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 Sign up for our mailing list

Check out our Whitepaper

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www.debitum.network

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