Combined Global Portfolio
$3,820,000
Today Net
+$0
AU Book
$2,426,822
NZ Book
NZ$842,000
UK Book
ยฃ380,000
US Stage
Pipeline
Global Loans
8,941
Combined VL
3.8%
๐ฆ๐บ
Australia
LIVE
Monoova Balance
$284,873
+$0 today
Book
$2,426,822
Loans
6,819
Collected
$83,282
Lent Today
$39,300
LVR
67.7%
VL (90d)
3.35%
Rate
87.0%
Facility
$5M
๐ณ๐ฟ
New Zealand
LIVE
Westpac NZ Clearing
NZ$128,400
+NZ$0 today
Book
NZ$842,000
Loans
2,122
Collected
NZ$28,400
Lent Today
NZ$12,800
LVR
61.2%
VL (90d)
4.1%
Rate
84.5%
Facility
NZ$2M
๐ด๓ ง๓ ข๓ ฅ๓ ฎ๓ ง๓ ฟ
United Kingdom
EARLY
Modulr Float Account
ยฃ82,000
+ยฃ0 today
Book
ยฃ380,000
Loans
1,042
Collected
ยฃ9,800
Lent Today
ยฃ4,200
LVR
55.8%
VL (90d)
5.2%
Rate
81.0%
Facility
ยฃ2M
๐บ๐ธ
United States
PIPELINE
Launch Readiness
68%
Targeting Q3 2026
Target State
Texas
Licence
In Progress
Partner Bank
TBD
Pilot Budget
US$2M
Tech Ready
โ Yes
ML Model
โ Trained
CAC Target
US$45
Yr1 Book
US$5M
Global Book
$3.82M
Global Loans
8,983
AU % Share
63.5%
NZ % Share
22.0%
UK % Share
9.9%
Combined VL
3.8%
Global Collected
$121K
Today Net Pos.
+$65K
Global Portfolio Composition LIVE
Combined book by market (AUD equivalent)
Combined Intraday Balance Movement
All market clearing accounts โ total balance
๐ฆ๐บ AU Balance
๐ณ๐ฟ NZ Balance
๐ด๓ ง๓ ข๓ ฅ๓ ฎ๓ ง๓ ฟ UK Balance
๐บ๐ธ US Readiness
Global Book Composition โ Currency Breakdown
โ AU 63.5% โ AUD $2.43M
โ NZ 22.0% โ NZD $0.84M
โ UK 9.9% โ GBP ยฃ0.38M
โ US 4.6% โ Pipeline
๐ฆ๐บ
Australia โ Monoova
0/min
DD +$412 โ #4821 NSW
09:14
Loan โ$600 โ QLD
09:13
DD +$287 โ #2934 VIC
09:12
๐ณ๐ฟ
New Zealand โ Westpac
0/min
DD +NZ$180 โ #NZ1041 AKL
09:11
Loan โNZ$400 โ WLG
09:09
๐ด๓ ง๓ ข๓ ฅ๓ ฎ๓ ง๓ ฟ
United Kingdom โ Modulr
0/min
DD +ยฃ120 โ #UK2841 LON
09:10
Loan โยฃ250 โ MCR
09:08
๐
Global Events
๐ AU Batch: +$8,400 cleared
09:00
๐ NZ Batch: +NZ$3,200
08:58
All Markets โ Combined Clearing Balance LIVE
Sum of all clearing accounts โ AUD equivalent
Today's Flow โ All Markets
Collections vs disbursements by market
๐ฆ๐บ
Australia โ CashFaster
Lightspeed CashFaster Ventures Pty Ltd ยท ABN 84 667 709 597 ยท ACL 569825
LIVE ยท $1.5M Facility
Active Book
$2.43M
Monoova
$284,873
LVR
67.7%
VL (90d)
3.35%
Collected
$83.3K
Active Loans
6,819
AU Monoova โ Live Balance
AU Collections Intraday
AU โ DPD Stratification
๐ณ๐ฟ
New Zealand โ Faster NZ
Faster Financial NZ Ltd ยท NZBN pending ยท CCCFA regulated ยท Westpac NZ clearing
LIVE ยท NZ$1M Facility
Active Book
NZ$842K
Westpac Balance
NZ$128K
LVR
61.2%
VL (90d)
4.1%
Active Loans
2,122
Collect Rate
84.5%
NZ Westpac โ Live Balance
NZ Originations โ Monthly
NZ Product Parameters โ CLOC Model
| Parameter | NZ Value | AU Equivalent | Status |
|---|---|---|---|
| Product Type | CLOC (Line of Credit) | CashFaster | Active |
| APR (Regulated) | 47% p.a. | 47% p.a. | Compliant |
| Drawdown Fee | 20% of draw | 20% | Set |
| Avg Loan Size | NZ$397 | AUD$356 | Similar |
| Returning Rate | 42% | 50.4% | Growing |
| Clearing | Westpac NZ | Monoova | Live |
๐ด๓ ง๓ ข๓ ฅ๓ ฎ๓ ง๓ ฟ
United Kingdom โ Faster UK
Faster Financial UK Ltd ยท FCA regulated ยท Modulr e-money ยท Open Banking via TrueLayer
EARLY STAGE ยท ยฃ2M Facility
Active Book
ยฃ380K
Modulr Float
ยฃ82K
LVR
55.8%
VL (90d)
5.2%
Active Loans
1,042
Collect Rate
81.0%
UK Modulr โ Live Float
UK Book Growth Trajectory
UK Market Parameters
| Parameter | UK Value | Regulatory Basis | Status |
|---|---|---|---|
| Regulator | FCA | Consumer Credit Act 1974 | Authorised |
| APR Cap | No cap | Price cap pending | Compliant |
| Open Banking | TrueLayer | PSD2 / FCA | Live |
| E-Money | Modulr | FCA EMI licence | Live |
| Avg Loan | ยฃ365 | โ | Testing |
| Target Yr1 Book | ยฃ2M | โ | On Track |
๐บ๐ธ
United States โ Pipeline
Faster Financial USA Inc. ยท Texas launch ยท CFPB ยท Banking partner TBD ยท Q3 2026 target
68% LAUNCH READY
Overall Readiness
68%
Target Launch
Q3 2026
Texas state pilot
Year 1 Target Book
US$5M
~12,000 loans
Target CAC
US$45
Digital-first acquisition
US Launch Readiness by Category
US 5-Year Projected Book
US Go-To-Market Milestones
| Milestone | Target Date | Status | Owner |
|---|---|---|---|
| Texas lending licence application | Feb 2026 | โ Filed | Legal |
| Banking partner selection (sponsor bank) | Apr 2026 | In Progress | BD |
| ML model โ US credit bureau integration | Mar 2026 | โ Complete | Tech |
| ACH/RTP payment integration | May 2026 | In Progress | Tech |
| Compliance program (CFPB/UDAAP) | Apr 2026 | 70% | Compliance |
| Customer acquisition strategy finalised | May 2026 | Scoping | Marketing |
| Pilot launch โ 500 customers | Q3 2026 | Planned | All |
Market Comparison โ All Metrics
| Metric | ๐ฆ๐บ Australia | ๐ณ๐ฟ New Zealand | ๐ด๓ ง๓ ข๓ ฅ๓ ฎ๓ ง๓ ฟ UK | ๐บ๐ธ US |
|---|---|---|---|---|
| Active Book | $2,426,822 | NZ$842,000 | ยฃ380,000 | Pipeline |
| Active Loans | 6,819 | 2,122 | 1,042 | โ |
| Avg Loan Size | $356 | NZ$397 | ยฃ365 | US$415 est. |
| VL Rate (90d) | 3.35% | 4.1% | 5.2% | ~6% target |
| Collection Rate | 87.0% | 84.5% | 81.0% | ~80% est. |
| LVR | 67.7% | 61.2% | 55.8% | โ |
| Returning Rate | 50.4% | 42% | 35% | โ |
| CAC (new) | $85 | NZ$95 | ยฃ75 | US$45 target |
| Revenue Yield | 25.9% | ~24.5% | ~23.0% | ~25% target |
| Facility | $5M (Roadnight) | NZ$2M | ยฃ2M | US$5M target |
| Regulator | ASIC / ACL | FMA / CCCFA | FCA | CFPB / State |
| Clearing | Monoova | Westpac NZ | Modulr | TBD / ACH |
| Stage | Scaling | Growing | Early | Pipeline |
Book by Market (AUD equiv.)
VL Rate by Market
Collection Rate by Market
5-Year Global Book Projection
Global Multi-Market Stress Test
๐ฆ๐บ Australia โ VL Stress
3.35%
Covenant limit: 10%
๐ณ๐ฟ New Zealand โ VL Stress
4.1%
CCCFA benchmark: ~8%
๐ด๓ ง๓ ข๓ ฅ๓ ฎ๓ ง๓ ฟ UK โ VL Stress
5.2%
FCA benchmark: ~9%
Global Stress Output
Combined Global Loss by Scenario