OppFi SPAC Presentation Deck
36
Growth Strategy and Drivers
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Potential for
Continued
Growth in
Receivables
($ in millions)
Installment Loans
$164
2018A
Assumed return to pre-COVID demand
Improved conversion rate optimization of
acquisition funnel
34%
'18A - ¹23P
CAGR
Operational leverage driven by technology
gains in automation and productivity
Stable credit
1. 2021P projections exclude potential impact of additional government stimulus
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$282
2019A
47%
CAGR (2018A-2023P)
$276
2020E
Salary Tap
$510
Employer adoption of financial wellness
Maturation of instant payroll verification and
allotment tools
2021P¹
195%
'21P - ¹23P
Growth
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$800
2022P
Credit Card
$1,145
2023P
102%
¹21P - ¹23P
Growth
Extension of customer loyalty to graduation
product
Potential disruption of large market where
current players lack in mobile acquisition and
user experience, offer low limit products with
high fees as % of principal, and provide poor
customer service
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