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Risks of early stage investment. Not an offer to buy or sell securities. This is a long-term speculative illiquid investment. Investment is not FDIC or SiPC insured.

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Leading the future of health financing

How the personal injury funding market works

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Revenue generated

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When a settlement occurs and is received at PFD headquarters, it is immediately cross referenced to its associated portfolio and reconciliation is tracked and recorded. There are multiple points of contact with providers on monthly and quarterly basis to inquire status updates on all open cases. PFD will additionally conduct random status checks with different law firms to ensure the status updates we are receiving are accurate and up to date.

If we identify a case that has been settled and we have not received payment, it triggers our collections staff to seek out this payment. This systematic tracking and follow-up process ensures that all payments due to us are received in a timely manner and helps maintain the financial health of our portfolio.

PFD uses collection software to help manage and track this process.

Financing solutions

The Company’s financing solutions include advancing against a medical provider’s existing LOP receivables (e.g., LOC Advance) or purchasing the LOP receivables at a discounted value (e.g., LOP Purchases) 

PFDM’s LOC Advance solution offers medical providers financing in a fast and efficient manner, while providing valuable downside protection to the Company against risk of loss and/or duration. 

The Company’s LOC Advances typically incorporate a “stop loss” clause that allows it to “put back” to the medical provider any assets that are not realized within 24-30 months of the Company’s initial funding date. 

LOC Advances typically represent between 15% and 30% of the billed charges and have a preferred return of 40% to 70%. 

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Investment highlights

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Multi-State Provider and Treatment Modality Network: Our expanding reach now covers thirteen U.S. states, providing  specialty finance and collection services to medical service providers.

Robust Originations: PFD originators have successfully financed over $750 million in medical fee schedule billed services, with $117mm added through April 2024.

Capital Formulation: 2024 YTD has seen the deployment of over $24mm, resulting in an additional Asset Under Management (AUM) of $117mm.

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Overview

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Strong progress towards expanding 

• Market Opportunity: The medical receivables financing market is expected to grow steadily due to rising healthcare costs and an aging population.
• Competitive Advantage: PFD's proprietary technology streamlines operations and offers efficient receivables management. Their established relationships with MSPs and law firms further strengthen their market position.
• Historic Returns: PFD consistently provides returns of 1.6x the invested capital. Through its LOC model of acquiring medical receivables MSPs are contractually obligated to return 1.6x of MOIC before receiving any income from settlements. Our LOP (Purchase) model can achieve up to 2X on invested capital both having a velocity of return at 16/24 months.
• Experienced Management Team: PFD's management team possesses deep industry expertise and a proven track record of success.
• Strategic Partnerships: PFD's collaborations with key players in the legal and medical fields enhance their access to deal flow and ensure compliance with regulations.

• Looking ahead: PFDM is positioned to deploy up to $100MM annually with initial collateralization of 3-to-1 (i.e. where generally the face amount of the medical receivables that are purchased or financed is equal to three times the amount that is being loaned or the amount of the purchase price of the medical accounts receivables in question). Purchase and finance capital and claims processing limitations at the medical service providers (MSPs) level are challenging for many MSPs. PFDMs network and underwriting programs provide the processing and funding necessary to allow MSPs to increase volume and cash flow, while providing a high level of patient care and positive outcomes

PFD Timeline

Founding team with a flourishing record

Certain information set forth in this presentation contains “forward-looking information”, including “future-oriented financial information” and “financial outlook”, under applicable securities laws (collectively referred to herein as forward-looking statements). Except for statements of historical fact, the information contained herein constitutes forward-looking statements and includes, but is not limited to, the (i) projected financial performance of the Company; (ii) completion of, and the use of proceeds from, the sale of the shares being offered hereunder; (iii) the expected development of the Company’s business, projects, and joint ventures; (iv) execution of the Company’s vision and growth strategy, including with respect to future M&A activity and global growth; (v) sources and availability of third-party financing for the Company’s projects; (vi) completion of the Company’s projects that are currently underway, in development or otherwise under consideration; (vi) renewal of the Company’s current customer, supplier and other material agreements; and (vii) future liquidity, working capital, and capital requirements. Forward-looking statements are provided to allow potential investors the opportunity to understand management’s beliefs and opinions in respect of the future so that they may use such beliefs and opinions as one factor in evaluating an investment.

These statements are not guarantees of future performance and undue reliance should not be placed on them. Such forward-looking statements necessarily involve known and unknown risks and uncertainties, which may cause actual performance and financial results in future periods to differ materially from any projections of future performance or result expressed or implied by such forward-looking statements.

Although forward-looking statements contained in this presentation are based upon what management of the Company believes are reasonable assumptions, there can be no assurance that forward-looking statements will prove to be accurate, as actual results and future events could differ materially from those anticipated in such statements. The Company undertakes no obligation to update forward-looking statements if circumstances or management’s estimates or opinions should change except as required by applicable securities laws. The reader is cautioned not to place undue reliance on forward-looking statements.