The FinTech Infrastructure for Auto Finance.
De-Risking 400B€ of Residual Value.
The balance-sheet neutral transactional B2B2C infrastructure that cuts dealership handover times in half while insulating bank captives' balance sheets under IFRS 16 and Basel IV. EBITDA Break-Even reached by Month 18.
2.6M€ Equity + 1.0M€ Non-dilutive
38 groups signed (570 PoS)
Investor dilution: 27.08%
Minimum cash runway: 1.21M€
A Historic Window of Opportunity:
The Basel IV Regulatory Shock & BEV Cliff
The automotive financing and dealership industry is experiencing the confluence of three tectonic forces, creating an urgent software adoption mandate.
The Electric Vehicle Cliff
Accelerated EV depreciation (400V BEVs) causes over 5,400€ in net loss per vehicle at 36 months. Traditional linear models are obsolete against battery chemistry deprecation.
Regulatory Capital Penalties
Basel IV enforces a 100% RWA risk-weighting on unhedged Residual Values alongside mandatory P&L impairment (UGRV) under IFRS 16.77, eroding bank CET1 ratios.
Dealership Operational Bottlenecks
Administrative and handover friction stretches vehicle delivery to 14 days, freezing 1.2M€ of unproductive working capital per point of sale while degrading NPS.
A Massive Market Captured via High-Density B2B Distribution
A focused strategy targeting the Top 200 automotive dealer groups in France and Western Europe, each managing 10 to 80 dealerships.
Residual Value portfolio at risk across Europe
Automotive financing and leasing assets under management across Europe (15M new/used vehicle registrations annually).
15,000 Dealerships across Western Europe
The Top 200 French automotive groups and captive bank partners (72M€ annual SaaS ARR market potential).
38 Groups Signed (570 Dealerships)
Capturing 38 groups (570 dealerships, 171,000 vehicles/yr) by Year 3, representing 19% of the Top 200 with 3,247k€ EBITDA.
The Dual-Product Moat:
Showroom Handover OS + Actuarial Risk Engine
A single unified platform orchestrating physical delivery at dealerships and computing real-time actuarial risk for financial captives.
Handover OS: The Frictionless Showroom Experience
Native web and mobile app empowering vehicle handover specialists, sales reps, and delivery coordinators to streamline the customer journey.
Instant Financial Passport
Strong SCA authentication and automated credit assessment via secure Open Banking APIs. Debt capacity validation in < 4 minutes with zero paperwork.
Smartphone Condition Inspection
Self-guided vehicle inspection at D-3 prior to handover with contractually binding wear scales and certified timestamps. 100% elimination of delivery disputes.
SIV Gateway & Telemetry Activation
Biometric KYC verification with Liveness Detection. Instant automated generation of provisional registration (CPI) and embedded insurance activation.
Actuarial Engine: Monte Carlo Dynamic Risk Pricing
Probabilistic computing engine modeling real-time asset depreciation to protect bank balance sheets against residual value volatility.
Jump-Diffusion & RV Modeling
Stochastic Jump-Diffusion simulations delivering P10, P50, and P90 distributions. Real-time integration of battery State of Health (SoH) and Days on Market.
Audit Trail & Strategic Put Option
Rigorous modeling of Wrong-Way Risk and rational handback put-option exercise by lessees. Linear smoothing of unhedged residual value (UGRV) impairments.
Prudential RWA Optimization
Algorithmic restructuring of buyback commitments between dealers and financial captives. CET1 capital relief by reclassifying assets away from 100% CRR 134(7) penalties.
Network Adoption Engine: Immediate ROI & Hybrid Pricing
These direct cash flow (working capital) and margin gains enable our FinTech to sustain a 118% NRR and a sub-2% annual churn.
Dealership Financial Impact Calculator
Actuarial modeling of unlocked working capital and post-signature cost savings.
Automotive Dealer Group Inputs
Immediate cash freed across 4,725 deliveries via a 12-day reduction in vehicle holding time.
Hybrid Fee & Licensing Simulator
Dynamic combination of recurring dealership subscriptions, unit usage fees, and captive API modules.
Commercial Scope Configuration
Total software spend for 4,725 handovers across 15 dealerships.
Financial Engine Efficiency:
9.2x LTV/CAC & 6.8-Month Payback Period
Exceptional unit economics driven by headquarter-level group enterprise sales and a hybrid SaaS + Usage business model.
Top-tier commercial efficiency, far exceeding the 3.0x B2B enterprise SaaS industry benchmark.
Full acquisition cost per dealership is recovered in less than 7 months of live operations.
Organic compounding through automated rollout across all dealerships within signed dealer groups.
High intrinsic profitability allowing aggressive commercial expansion without diluting bottom-line margins.
Triple Revenue Engine
The FinTech captures value across the entire vehicle lifecycle, from showroom scheduling to bank balance-sheet provisioning.
Dealership Subscription
Handover OS access, multi-dealership executive reporting dashboard, real-time DMS sync (Reynolds, Cardiff, BeeDeeM) and 99.9% SLA.
Fee per Certified Handover
Usage volume fee: DSP2 Open Banking solvency, biometric eIDAS verification, guided smartphone auto-inspection and direct SIV registration.
Captive Risk Engine License
Access to stochastic Monte Carlo jump-diffusion engine, IFRS 16.77 / IFRS 9 ECL provisioning audit trail, and Basel IV RWA optimization algorithms.
Financial Model & Profitability Trajectory
ARR scaling from 519k€ (Year 1) to 6.56M€ (Year 3) with operational cash-flow break-even reached by Month 18.
Financial Trajectory & 3-Year Modeling
Dynamic simulation of ARR scaling, EBITDA operating leverage, and break-even runway.
Commercial Hypotheses & Rollout Levers
High operating leverage: 38 dealer groups (570 sites) generating +€1,486,822 EBITDA (32% margin) and €2,914,185 cash.
Year 1
Year 2
Year 3
Seed Financing:
3.6M€ to Capture the European Market
A seed round calibrated to reach 6.56M€ ARR, fund 24 months of runway, and achieve sustainable self-funding profitability.
Based on 1.4M€ in capitalized R&D assets (>1,800 man-days in actuarial engineering, causal inference, and network core architectures).
Net dilution of 27.08% post-creation of a 10% unallocated ESOP talent option pool.
Bpifrance Innovation Loan amortized over 7 years with 2-year grace period, secured against proprietary stochastic algorithm R&D.
Use of Funds Allocation
8 Senior loaded FTEs (1.45x factor): Founders, Lead AI & DSP2 Engineers, Chief Actuary, Head of Sales, Captive KAM.
Dealership commercial acceleration, industry summits, enterprise key accounts acquisition and DMS connector integrations.
SecNumCloud sovereign EU hosting, VLM inference GPU clusters for condition photo analysis, and Monte Carlo servers.
External DORA 2025/2026 compliance audits, ISO 27001 certification, PASSI penetration testing, and corporate M&A legal advisory.
Cap Table Structure (Pre/Post Seed)
A balanced ownership distribution ensuring founder alignment and motivation for future Series A milestones.
| Shareholder / Share Class | Pre-Money Shares | Pre-Money % | Post-Money Shares | Post-Money % |
|---|---|---|---|---|
| Founders & Core Leadership | 700 000 | 100,00 % | 700 000 | 62,92 % |
| Seed Investors (2.6M€ Equity) | - | - | 301 250 | 27,08 % |
| ESOP Pool (Key Talent Incentive) | - | - | 111 250 | 10,00 % |
| CONSOLIDATED TOTAL | 700 000 | 100,00 % | 1 112 500 | 100,00 % |
The Prudential Shield:
Tier-1 Banking Compliance & Certification
Architected from day one to exceed the highest compliance standards set by European banking authorities and bank risk committees.
ACPR / Banque de France Alignment
Critical Outsourcing Process (PSEE) audit compliant with ACPR governance frameworks for Tier-1 financial institutions.
- ✓ White-Box SHAP Values: Every credit scoring or residual value prediction is decomposed factor-by-factor for supervisory audits.
- ✓ Quarterly Backtesting: Automatic recalibration against realized secondary automotive market transaction prices.
- ✓ Audit-Ready Dossiers: One-click export of methodological audit binders enforceable before ACPR/ECB inspection teams.
Comprehensive DORA Compliance
Digital Operational Resilience Act architecture: continuous penetration testing, multi-region cloud resilience, and audited business continuity.
- ✓ Immutable SHA-256 Audit Trail: Tamper-proof cryptographic ledger recording every critical transaction and timestamp.
- ✓ High-Availability BCP / DRP: RTO < 15 minutes, RPO = 0 with SecNumCloud multi-region synchronous replication.
- ✓ TLPT Threat-Led Pen-Testing: Continuous offensive penetration audits conducted by ANSSI PASSI-certified labs.
Sovereign EU Hosting & GDPR
End-to-end encryption (AES-256), exclusively hosted within the EU in ISO 27001 and SecNumCloud certified data centers.
- ✓ Ephemeral Flush (< 30s): Raw DSP2 financial streams are permanently purged immediately post-ratio computation.
- ✓ End-to-End Encryption: AES-256 data-at-rest with Hardware Security Modules (KMS) and mutual TLS eIDAS in transit.
- ✓ Real-Time Sanction Screening: Automated PEP / Terrorism / Asset-freeze screening aligned with Tracfin & FATF.
Alignment & Value Creation:
Institutional Governance & Exit Multiples
Tier-1 investor protections and a clear strategic roadmap targeting a strategic exit within 4 to 6 years.
The 4 Value Creation Milestones
Pilot Core & Dealer Integration
Deployment of pilot group (15 PoS), completion of key DMS connectors (Reynolds, Cardiff, BeeDeeM) and live DSP2 APIs.
DORA Audit & Scale
DORA & ISO 27001 certification finalized, Year 1 closing with 60 active dealerships and verified cryptographic audit trail.
EBITDA Break-Even
Operational EBITDA profitability reached. First Tier-2 financial captive contract signed and dealer NRR accelerating to 118%.
Self-Funding or Series A
225 dealerships consolidated, robust cash reserves (3.67M€) enabling organic self-funding or a strategic Series A for pan-European expansion.
Board Composition (5 Seats)
A balanced governance structure ensuring swift operational execution and investor fiduciary oversight.
Natural Acquirers & Valuation Multiples
The unique intersection between physical dealer handovers and balance-sheet risk creates 3 high-premium acquisition channels.
Request Full Data Room Access
Download the Executive Pitch Deck (PDF), 3-Year Financial Model (.xlsx), and technical architecture documentation under bilateral digital Non-Disclosure Agreement (NDA).