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Past financial results are no guarantee of future performance. Click here for important information regarding Financial Projections which are not guaranteed.
Investments in private companies are particularly risky and may result in total loss of invested capital.
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.
There may be other available opportunities that are similar to this investment but have different attributes, characteristics, cost factors, and fees.
Opportunity
Leading the future of health financing
How the personal injury funding market works
This video is produced by PFD Management LLC and made publicly available. It is not a production of OpenDeal Broker LLC, Republic or any of its affiliates.
Revenue generated
PFD is revolutionizing medical receivables financing by providing healthcare providers with essential upfront capital, transforming long settlement wait times into immediate cash flow. Our solutions —LOC Advances and LOP Purchases— are designed to help providers focus on patient care while we manage the complex task of receivables collection. With over $1.4 billion of originated collateral and 27 consecutive quarters of payouts across our sponsored entities, we have a track record of delivering consistent returns.
*Past performance is not indicative of future returns*
Our data-driven approach allows us to analyze years of billing and collection history to determine the net future value of a provider's receivables. This enables us to offer upfront capital, typically between 15-30% of billed charges, while managing the risk with downside protection, such as stop-loss contractual clauses that the companies believes caps non-performing assets after 24-30 months. Once our services are compensated, the providers receive the remaining balance, making their cash flows more predictable and profitable.
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.
Product
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 what the Company believes is valuable potential downside protection against risk of loss and/or duration.
The Company's line-of-credit advances include a contractual clause allowing it to return assets to the medical provider if those assets don’t bring in funds within 24-30 months from when the Company first provided funding
LOC Advances typically represent between 15% and 30% of the billed charges and have a preferred return of 40% to 70%.
Investment highlights
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 $1 Billion in medical fee schedule billed services, with $470mm added through September 2024.
Capital Formulation: 2024 YTD has seen the deployment of over $80mm, resulting in an additional Asset Under Management (AUM) of over $470mm.
Overview
Traction
Strong progress towards expanding
- Market Opportunity: The medical receivables financing market is expanding as healthcare providers seek faster cash flow solutions, and the demand for efficient, tech-driven servicing grows.
- Competitive Advantage: PFD’s proprietary technology and specialized teams streamline operations and enable providers to offload the administrative burden of dealing with PI cases, allowing them to serve more patients. Their established relationships with MSPs and law firms further strengthen their market position.
- Historic Returns: PFD previous performance provided 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 an projected 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
Business model
Vision and strategy
Growth Strategy
- Expand business with existing customers
- Medical Receivable Collateral Acquisition by providers that care for personal injury patients.
- Accelerate sales recruitment
- Add marketing teams with existing relationships with providers to expand provider and attorney network.
- Enter new markets
- Add additional US states, provider networks, and finance company relationships.
- Pursue complementary acquisitions
- Eliminate reporting, underwriting, analytic and servicing constraints. (e.g. technology, back office, etc.)
- Develop a nationally recognized and novel underwriting, securitization, finance, servicing and reconciliation platform to alter the way in which personal injury sector is financed.
Leadership
Founding team with a successful record
Disclaimer: Past Performance is not indicative of future returns
Disclaimers
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.
The offering is not an offer to sell, nor shall any Interests be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. Any securities referenced herein have not been registered under the United States Securities Act of 1933, as amended, or under any applicable state securities laws or the securities lase of any other jurisdiction, nor is any such registration contemplated. The information contained in this material has not been recommended, approved or disapproved by the United States Securities and Exchange Commission or by any State securities commission or any similar body nor have any of the foregoing authorities passed on the accuracy or adequacy of this material. Any representation to the contrary is a criminal offense.
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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