Investor Room

Cheer Financial Ai

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Cheer is a unique AI-powered fintech startup that connects borrowers of every type with customized & personalized lending options.

Cheer integrates directly with merchants online and in-person to offer their customers lending solutions with an approval rate of 89%.

Business Model

Cheer generates substantial revenue through 3 primary ways:

1. Loan Completion Fees (From Lenders) 1.5% 

2. Origination Fees (From Borrowers) 1.5% 

3. Lead Generation

Cheer's USP

Our largest ‘competitor’ is Affirm’s buy-now-pay-later program which has about 2% of the total loan market and originates $2B in loans every year. Affirm has a loan acceptance rate of 53%. 

Cheer’s quantifiable difference is that we do not originate loans, we pair borrowers with the best fit lender for them using our proprietary Ai – giving us an outstanding 89% loan acceptance rate. 

With Affirm processing $2B loans per year with a low acceptance rate, Cheer is poised to capture significant market share within it’s first few years offering an outstanding loan approval rating for borrowers and merchants. 

Seed Investment Summary

Cheer Financial Ai is offering 33% equity in it’s Seed Round funding beginning Q4 of 2024. All details and legal document are available to download below.  Our Seed Round closes January 15, 2024. 

Seed Round Raise: 

$1,105,000

1,000,000 Shares For Sale At $1.15 

Minimum Investment: $15,000

Equity + 8.9% Interest APY

Data Room Documents

Click the links below to download our due diligence documents. Once reviewed, click here to book a call with our Founders about investing with us. 

Speak With Us

Schedule a consult directly with our Founder below, or email our CEO Gregory at [email protected]