The problem? The regulatory and administrative structure of banks creates a huge loss of value to both investors and borrowers. High barriers to entry means mortgage lending is largely an oligopolistic market - resulting in poor availability to customers and little incentive for lenders to significantly improve their service and product innovation. What are we doing? With just over 2 years in the making, Fruitful is a peer-to-peer platform that enables investors (i.e pension funds) to lend directly to mortgage borrowers. Accredited Investors, download our deck to find out how: ✔ We have a clear cut regulatory/pricing advantage over the incumbents, ✔ We have carefully developed a robust go-to-market strategy, ✔ We are able to maximise capital availability through selling mortgaged backed securities, ✔ We are upending the abysmal customer experiences that are a common feature of this market, + ✔ We have a fantastic team to pull the above off.