Investors
Investor Relations
Lender Market is building the infrastructure layer for modern lending — combining AI underwriting, real financial data, and marketplace economics across crypto and traditional finance.
AI Financial Infrastructure
Marketplace Model
Asset-Backed Lending
Recurring Revenue
Early-Stage
Private company • Information for qualified investors
Short thesis: Lender Market removes friction from lending by connecting real financial data, automated matching, and collateral-aware risk models into a single platform.

What we’re building

Lender Market is not a lender. It’s a technology platform that powers decision-making, matching, and optimization across lending products.

  • AI-driven lender matching and underwriting
  • Crypto-backed and traditional loan workflows
  • Real-time financial data via bank connections
  • Integrated bookkeeping and performance tracking
Think: LendingTree + Plaid + underwriting automation — in one system.

Business model

Lender Market is designed for scalable, diversified revenue.

  • Subscription plans for businesses and individuals
  • Marketplace fees from successful matches
  • Premium AI tools (bookkeeping, optimization, monitoring)
  • Enterprise and institutional integrations
Key advantage: Revenue grows with usage, not balance-sheet risk.

Why now

Lending is shifting away from manual underwriting and opaque processes. Markets demand speed, transparency, and data-driven decisions.

  • Explosion of alternative lending and crypto collateral
  • Increased demand for real-time financial visibility
  • AI adoption across financial decision-making
  • Regulatory pressure favoring transparency

Strategic position

Lender Market sits between borrowers, lenders, and data — without taking lending risk itself.

  • No balance-sheet exposure
  • Asset-agnostic (fiat, crypto, hybrid)
  • Expandable across industries and geographies
  • Natural acquisition target for fintech platforms
Long-term: A core financial routing layer for lending decisions.

Founder & leadership

Lender Market is founded by Eli Ofel, a serial entrepreneur with a track record of building and scaling AI-driven marketplaces across fintech, healthcare, transportation, and commerce.

Background: Multiple platforms scaled from zero to multi-million transaction volume using SEO, AI automation, and marketplace mechanics.

Executive Summary

WE Car is an AI-powered car service platform built for New York City and NYC-area airports — designed to deliver transparent pricing, premium service quality, and fast, reliable dispatch at scale.

Investor-ready

What WE Car is

WE Car combines AI dispatch, no-surge pricing philosophy, and airport-first operations to serve the highest-value ride categories: airports, hotels, business travel, events, and repeat professional riders.

  • Airports: JFK, LGA, EWR, HPN, TEB
  • Coverage: all 5 NYC boroughs + surrounding regions
  • Modes: on-demand + scheduled rides, hourly, long-distance
  • Enterprise: business accounts, centralized billing, concierge, API available
Positioning: a premium, predictable car service platform — not a generic ride-hail app.

Why it wins

WE Car focuses on segments where reliability matters most — where riders value predictability and quality over volatility.

  • Transparent pricing: quote shown before confirmation
  • Quality standard: clean, vetted vehicles + professional drivers
  • Routing advantage: smarter matching reduces friction and delay risk
  • Enterprise readiness: accounts + reporting + API integration
Core bet: airports + business + travelers create repeat behavior and stronger LTV.

Market Opportunity

New York is one of the world’s largest and most fragmented transportation markets — powered by airports, hotel corridors, corporate travel, and high-frequency, time-sensitive demand.

High demand

Strategic focus

  • Airport transfers: highest ticket size + strongest urgency
  • Hotels & travelers: consistent pickup zones + clear receipts
  • Corporate rides: contracts + centralized billing + repeat volume
  • Events & groups: coordination premium + multi-vehicle demand

Why this model scales

  • Software + automation reduces reliance on headcount
  • Repeat riders and enterprise accounts increase predictability
  • Airport-first design improves conversion and retention
Insight: WE Car is built around high-intent trips — not low-margin, price-sensitive rides.

Business Model

A multi-channel platform monetized through ride completion, premium vehicle classes, enterprise accounts, and partnerships.

Scalable

Revenue channels

  • Per-ride commissions
  • Premium vehicle class pricing (We-L, We-SUV, We-Lux)
  • Airport and long-distance transfers
  • Business accounts & enterprise services
  • Events & group transportation
  • Concierge + API-enabled partnerships

Why it’s defensible

  • Airport-first operational advantage
  • Enterprise tooling (billing, dashboards, API)
  • Standardized premium experience
  • Automation improving unit economics over time

Exit Strategy

Multiple credible exit paths aligned with WE Car’s platform architecture, airport-first demand focus, and enterprise readiness.

Exit paths

1) Strategic Acquisition (Primary)

WE Car is positioned as a premium, airport-first mobility asset attractive to strategic acquirers seeking enterprise tooling, automation, and repeat travel demand.

  • Ride-hailing companies expanding premium/airport verticals
  • Travel & hospitality platforms (hotels, booking ecosystems)
  • Enterprise mobility providers
  • Transportation networks consolidating premium service
Acquirer value: airport demand + enterprise accounts + AI dispatch + standardized premium experience.

2) PE Roll-Up / Platform Sale

WE Car can serve as a technology backbone for regional operators and corporate transportation networks — supporting a platform-level acquisition.

  • Consolidate black car operators under one platform
  • Standardize billing, scheduling, and dispatch automation
  • Scale enterprise contracts across multiple markets

3) Expansion → Larger Exit

  • Prove unit economics in NYC
  • Expand into other Tier-1 metro markets
  • Position for a larger strategic acquisition or buyout
Timing concept: 3–5 years for strategic/PE exit; 5–7 years for a larger, multi-market premium mobility exit.
Request Investor Materials Back to Investor Relations
Deck, KPI snapshot, and partnership overview available upon request.

Investor Numbers (Illustrative)

Below are simple, investor-friendly unit economics and revenue scenarios for WE Car. These are illustrative examples using conservative assumptions and can be tuned to your real data.

Model
$85 Avg ride fare (blended)
Adjustable
18% Platform take-rate (avg)
Scalable
25% Airport mix of rides
High value
2.2 Rides per active user / month
Repeat demand
Unit economics shortcut: Revenue to WE Car per ride ≈ Avg Fare × Take Rate. With $85 and 18%, that’s $15.30 per ride (before incentives/support/processing).
Scenario Active Users Rides / Month Rides / Year GMV / Year (Fare Volume) WE Car Revenue / Year (18% Take)
Starter 10,000 22,000 264,000 $22.44M $4.04M
Growth 25,000 55,000 660,000 $56.10M $10.10M
Scale 50,000 110,000 1,320,000 $112.20M $20.20M
Category leader NYC 100,000 220,000 2,640,000 $224.40M $40.39M
Assumptions: Avg fare = $85; take-rate = 18%; rides per active user/month = 2.2; GMV = rides × fare. All figures are directional and for illustration only.
Why airports matter: Increasing the airport mix raises blended fare and improves unit economics. Airports + business travel also increase repeat usage and lower churn.

Enterprise Upside (Business Accounts)

Business accounts add predictable volume through centralized billing, concierge support, and API-ready workflows.

B2B
Enterprise Scenario # Accounts Rides / Account / Month Rides / Month Avg Fare WE Car Revenue / Month (18% Take) WE Car Revenue / Year
Corporate starter 50 120 6,000 $95 $102,600 $1.23M
Hotel + corporate mix 150 160 24,000 $95 $410,400 $4.92M
NYC enterprise scale 300 220 66,000 $95 $1.13M $13.54M
Assumptions: Avg fare = $95 for enterprise-heavy mix (airport/business); take-rate = 18%. These scenarios exclude subscription fees and premium add-ons (if introduced).
Enterprise moat: Centralized billing + concierge + API integrations increase switching costs and stabilize demand.

Exit Strategy & Valuation Logic (Illustrative)

Exit outcomes typically follow revenue scale, enterprise penetration, and market defensibility. Below are illustrative ranges for strategic acquisition and PE platform exits.

Exit
Stage WE Car Revenue / Year Strategic Multiple Range Illustrative Exit Value Why Buyers Pay
Early traction $4M–$10M 3×–6× $12M–$60M Proven airport unit economics + early enterprise traction
Growth platform $10M–$25M 4×–8× $40M–$200M Repeat riders + B2B accounts + clear operational moat
NYC category leader $25M–$50M+ 5×–10× $125M–$500M+ Airport dominance + enterprise workflow + expansion playbook
Important: Multiples vary by margin profile, retention, enterprise contract mix, and growth rate. These examples are directional and not investment advice.
Notes: Multiples shown are illustrative ranges used in platform/marketplace M&A conversations and may differ materially based on market conditions. For investor discussions, WE Car can provide a deeper model (CAC/LTV, contribution margin, retention cohorts, and expansion plan).

Fundraising


WE Car is currently raising a $2.5 million Seed Round for 20% equity to:
• Launch across all five NYC boroughs
• Release full iOS and Android mobile apps
• Optimize and expand the AI-powered dispatch engine
• Scale marketing and airport partnerships
• Hire engineering, operations, and growth personnel



Our Vision

WE Car is starting in NYC — the toughest and most valuable ride market in the world — and expanding to other luxury-driven urban hubs.

Future markets include:
Los Angeles, Miami, Washington D.C., Chicago, London, and more.

We’re not building another discount taxi service.
We’re creating the most intelligent, premium, and trusted car service platform on the planet.

Thank you for choosing
lender market











Lender Market is an AI-powered financial platform built to help individuals and businesses make smarter capital decisions.

Instead of guessing which lender, loan, or strategy fits, we analyze real financial data to match users with the right options — from traditional loans and refinancing to crypto-backed lending and debt optimization.

Our platform doesn’t stop at funding. Through AI bookkeeping, performance monitoring, and ongoing supervision, Lender Market helps users reduce risk, improve terms over time, and build long-term financial stability.

The result is clearer decisions, less stress, and better outcomes across every stage of borrowing.



































































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