Yellowpay is an established fintech company specializing in flexible payment solutions for the construction industry. Founded in 2022, the business operates a sophisticated platform that enables construction material sellers to offer extended payment terms up to NET-120 on invoices, addressing critical cash flow challenges in the construction sector.

BUSINESS MODEL:
The company generates revenue by facilitating flexible payment terms between sellers and buyers in the construction materials space. We are currently making 50+% Internal Rate of Return. All credit is fully insured against loss through strategic banking partnerships, providing robust risk management. The platform is expanding to offer comprehensive banking services including business accounts and debit cards.

FINANCIAL PERFORMANCE:
- Annual Revenue: $1,200,000
- Extended Internal Rate of Return: 50%+
- Net Return on Capital: ~30%
- Year-over-Year Growth: 150% (2024-2025)
- Platform Volume: $18 million processed in 2025

MARKET POSITION:
Yellowpay serves a specialized niche with 250+ active buyers and 150+ sellers on the platform. Primary customers include companies in construction energy solutions, energy storage, and data center development - high-growth sectors driving substantial demand.

COMPETITIVE ADVANTAGES:
- Established relationships with 400+ platform participants
- Full credit insurance protection eliminates default risk
- Strategic banking partnerships for funding capabilities
- Recurring revenue model with strong customer retention
- Expansion pathway to full-stack banking services

GROWTH OPPORTUNITIES:
The business is positioned for significant expansion through its planned banking services rollout and the continued growth of the construction technology sector. The recurring revenue model and insured credit structure provide stable cash flows while maintaining growth potential.

This established fintech operation offers investors exposure to the rapidly growing construction payments sector with proven financial performance and clear expansion opportunities.