PAYMENTS Gemany’sLeadingDigital Factoring Player SPEAKER PROFILE KEY COMPANY FACTS • Dr. Matthias Knecht is a Berlin-based serial Key Corporate Facts Traffic Aug-17 Aug-18 entrepreneur and has just founded his next venture Headquarters Berlin, Germany Unique Users 5k 5k Fintech venture • From 2008 to 2014, Matthias was a consultant with Founded 2016 Visits 16k 12k McKinsey & Company focusing on clients from the banking, insurance, and private equity sector. Employees 11-25 Minutes 00:21 01:40 Together with his fellow McKinsey colleague, Dr. Christian Grobe, he founded Zencap, Europe's fastest Active Markets National Sessions Mobile: 80% Mobile: 64% growing online lending marketplace for small business Desktop: 20% Desktop: 36% loans. In October 2015, Matthias successfully sold Ownership Private – VCs Aug 2018 Direct: 42%, Search: 44%, Dr. Matthias Zencap to the global market leader Funding Circle Sources Referrals: 4%, Other: 10% Knecht • After this exit, Matthias and Christian teamed up Funding $16m again. Leveraging their Funding Circle experience, Creandum, Global Founders they founded their second Fintech venture, Billie Key Investors Capital, Speedinvest Co-Founder • Matthias graduated with highest distinction from NOAHContent Billie at NOAH University Karlsruhe. He holds a Ph.D. in Business Administration from the University of Nuremberg and Website billie.io was a research scholar to Columbia Business School COMPANY PROFILE BILLIE @ NOAH Doing Business @ NOAH Main Presentation Topics • Billie.io is Europe's first fully automated invoice financing platform • Founded by serial entrepreneurs Dr. Matthias Knecht and Dr. Christian Grobe, Present your business proposal through N/A who built and sold their online lending platform Zencap to Funding Circle in NOAH Connect app 2015, Billie provides working capital financing to small businesses • The platform’s fully automated scoring engines and KYC/AML modules allow customer onboarding and risk assessment within minutes and allow for next day payout • Billie is a fully regulated financial institute and operates under a factoring license Attendees @NOAH of German regulator BaFin Dr. Matthias Knecht, Co-Founder 20

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