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Business Overview
This Company is a subscription-based, AI-powered credit repair SaaS platform built for both consumers and credit professionals. Founded in 2022 by a software developer and certified ethical hacker, the platform automates compliant credit repair workflows while educating users on Metro-2, FCRA, and dispute processes.

The platform combines:
• Automated dispute letter generation
• Real-time credit monitoring
• Metro-2 compliance guidance
• Step-by-step education modules
• Multi-tier subscriptions for individuals, families, and businesses

The model is recurring, scalable, and fully remote, with a strong technical moat due to in-house development and compliance-driven architecture.

Financial Performance (Most Recent Snapshot):
• Total Revenue: $338,612
• Transactions: 5,100 paid transactions
• Average Transaction Value: $66
• Revenue Model: Direct-to-consumer, transactional / subscription hybrid
• Currency: USD
These numbers reflect real, collected revenue, not projections

2025 Snapshot
Updated Annual Operating Expenses
Based on the updated operating structure:
• Advertising: $31,447.26
• Software & Apps: $44,064.75
• Wages: $30,000

Total Annual Operating Expenses: $105,512.01

This reflects a lean but properly staffed SaaS operation with engineering-heavy spend, which is exactly where you want costs to live at this stage.

Profitability Snapshot (Adjusted):
• Gross Revenue: $338,612
• Total Operating Expenses: ?$105,512
• Net Operating Income (Pre-Tax): ? $233,100
• Operating Margin: ~69%

Margins remain exceptionally strong for a fintech SaaS business, especially one still in growth mode. Prior snapshots showed similar margin strength, confirming consistency rather than a one-off spike


Team & Operations
• 9 total team members
- 4 software engineers
- 1 customer service representative
- 1 personal assistant
- 1 marketer
- 1 education specialist
- 1 outbound lead generator
• Fully remote operation
• Owner is deeply involved in:
- Daily development meetings
- Growth strategy calls
- Product roadmap and compliance oversight

This is not a lifestyle business—it’s still founder-led and product-driven.

Business Highlights
• Established in 2022
• AI-driven credit repair SaaS (early mover advantage)
• Strong compliance positioning (Metro-2 / FCRA education focus)
• Proven demand with 5,100+ paid transactions
• High-margin, low-overhead operating model
• Clear expansion paths: B2B, white-label, affiliate, and licensing

Reason for Selling / Capital Structure
The owner is NOT seeking a full exit.
• Open only to:
- Strategic investors
- Capital partners
- Equity partnerships

The objective is to inject growth capital, expand distribution, and accelerate scale—not to walk away from the business.