{ "schemaVersion": "deck-intelligence.v1", "id": "019dd923-5f69-752d-a9b5-820b21ee1155", "slug": "EUIvDLSeAMjJnoF63Dj0", "title": "Check out the 11-slide pitch deck Fintern;; a startup aiming to make loans more affordable with open-banking data;; used to raise $11 million", "subtitle": "Fintern", "author": "Fintern", "pageCount": 11, "kind": "pitchdeck", "orientation": "landscape", "aspectRatio": 1.78, "document": { "id": "019dd923-5f69-752d-a9b5-820b21ee1155", "slug": "EUIvDLSeAMjJnoF63Dj0", "title": "Check out the 11-slide pitch deck Fintern;; a startup aiming to make loans more affordable with open-banking data;; used to raise $11 million", "rawTitle": "Check out the 11-slide pitch deck Fintern;; a startup aiming to make loans more affordable with open-banking data;; used to raise $11 million", "authorId": "Pitchdecks", "authorName": "Fintern", "authorDisplay": "Fintern", "kind": { "slug": "pitchdeck", "label": "Pitch deck" }, "sourceType": { "slug": "strategy_consulting", "label": "Strategy consulting" }, "fileName": "Fintern-EUIvDLSe.pdf", "sourceUrl": "https://www.businessinsider.com/fintern-london-fintech-startup-raises-11m-using-this-pitch-deck-2022-2", "sourceDate": "2022-02-09 00:00:00", "presentationDate": null, "ingestedAt": "2026-04-27 08:47:51.553+00", "status": "ready", "pageCount": 11, "orientation": "landscape", "aspectRatio": 1.78, "targetCompany": null, "targetTicker": null, "metadata": { "local_root": "/tmp/legacy-images/EUIvDLSeAMjJnoF63Dj0", "origin_corpus": "consulting" } }, "coverage": { "pageCount": 11, "pagesIndexed": 11, "pagesWithImages": 11, "pagesWithMetadata": 11, "imageCoveragePct": 100, "metadataCoveragePct": 100, "componentCount": 80, "chartCount": 6, "metricSlides": 0, "toolMatches": 5, "documentToolMatches": 0, "frameworkMatches": 4, "arcMatches": 1, "beatMatches": 6, "loopMatches": 3, "patternMatches": 0, "storymakersMatch": false, "scoreAvailable": false, "reviewAvailable": false, "activistThesisAvailable": false, "pitchdeckMetadataAvailable": true, "pitchdeckProfileAvailable": true }, "blocks": [], "matches": { "arcs": [ { "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null, "categoryName": "Strategy & Business", "categorySlug": "strategy-business" }, "matchId": "5ddd2f6b-bb90-4b78-a8fd-933e1623f7a4", "evidence": "The deck follows a clear PAS structure, with slides 2-5 setting up the problem, slides 6-7 presenting the solution, and slides 8-11 providing evidence and traction", "isPrimary": true, "confidence": 0.8, "extraction": { "at": "2026-07-16 21:32:47.685784+00", "model": "or:meta-llama/llama-4-scout", "runId": null, "seconds": null, "promptVersion": "doc-narrative-v1" } } ], "beats": [ { "to": 2, "arc": { "name": "Problem-Agitate-Solution", "slug": "problem-agitate-solution", "status": "active", "bestFor": "Sales pitches, urgency-driven, competitive displacement", "canonId": "019dd956-5ec6-70f9-9fd8-fdbaaff39acf", "version": 1, "bodyDocId": "019df22a-2356-73eb-8061-d8c81dc0aa49", "structure": "Problem (Identify pain) -> Agitate (Make it worse) -> Solution (Provide relief)", "description": null, "familyLabel": null, "categoryName": "Strategy & Business", "categorySlug": "strategy-business" }, "from": 2, "name": "Problem", "beatId": "dd5d7d3c-f0ba-4beb-96b5-1744b3ec2c74", "matchId": "5ddd2f6b-bb90-4b78-a8fd-933e1623f7a4", "beatType": { "name": "Problem (Identify pain)", "slug": "problem-agitate-solution-problem-identify-pain", "status": "active", "canonId": "019dd9b8-0e78-74bb-b8f6-54348367a131", "version": 1, "description": null }, "evidence": "The thesis headline 'Some loans are only about your credit score. 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The company wants to make consumer loans cheaper by using open-banking data from customers. Fintern indicated that about 15 million people in the UK were without affordable credit options.", "slideCount": 11, "companyName": "Fintern", "description": "The London fintech startup Fintern has raised $11 million in Series A funding. The company wants to make consumer loans cheaper by using open-banking data from customers. Fintern indicated that about 15 million people in the UK were without affordable credit options. Fintern;; a fintech that wants to make personal loans cheaper;; has raised $11 million in new funds. The London startup;; which was founded in 2020;; targets \"near-prime\" customers who may have a thin credit history or some adverse elements of their borrowing past;; like a small number of missed payments. Usually;; customers are assessed for loans based on a credit score. Fintern uses a mix of open-banking data and artificial intelligence to create what it says is an improved picture of a person's creditworthiness. \"The consumer credit markets leave a lot of people;; somewhere between 10 million to 15 million people in the UK;; without access to affordable loans;;\" Gerald Chappell;; Fintern's CEO;; told Insider. \"Bank and nonbank lenders are praised at the credit-score level;; but we want to understand people better now that the data is available to open up more low-cost lending;;\" he added. Chappell said credit scores were deeply engrained as a market standard for unsecured personal lending. Open banking;; a regulatory shift that opened the use of application programming interfaces to enable third-party developers to build applications and services on top of financial services;; has meant consumers can share their banking data with providers more readily. \"When I moved to the UK from China 12 years ago to get a well-paid job;; it was impossible to borrow because I was 'credit-invisible;;'\" Michelle He;; Fintern's cofounder and chief operating officer added. \"Even people from the UK can be credit-invisible because of the inertia of credit scoring.\" Since launching its platform in early 2021;; Fintern has worked with about 50;;000 customers in the UK and provided personal loans of between £1;;000 to £7;;500 ($1;;350 to $10;;000) for a duration of one to three years. To date;; the startup has raised $54 million in debt and equity. The latest $11 million Series A was led by London's Hambro Perks and was largely equity funding;; alongside some mezzanine debt;; which will go toward doubling the company's staff to about 40 by the end of the year. \"Banks will try to catch up in five years' time;; but they are spoiled and don't think they need to work to get the customers;;\" Chappell said. \"Their cost of credit is close to nothing;; and it would be a very lengthy and costly process to implement this amount of change to legacy systems.\" Fintern hopes to build a £1 billion loan book in the UK over the next five years as it looks to get people out of credit-card or alternate-market debt. 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