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NetSimple — Investor Deck

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NetSimple — Simple Solutions for Web, Marketing & Payments
INVESTMENT OPPORTUNITY 2026
Growth Capital Raise

Where FinTech Meets
Payments for America's
Small Business

One Unified Platform — Payments, POS, Web, and AI, built for SMBs.

The Problem & The Opportunity
02 / 16
9.4 Million SMBs still don't have a proper digital presence.

Small businesses are overwhelmed, underserved, and overpaying for fragmented tools that don't work together — while AI makes it even more confusing to know where to start.

4M plan to go
online in 2026

Too Many Disconnected Tools

Owners juggle separate platforms for payments, websites, marketing, and reporting. Fragmentation drains time and kills growth. We unify everything in one ecosystem.

AI Overload, Zero Execution

There are hundreds of AI tools for every business function — but no roadmap. SMBs know AI can help them grow; they just don't know how to implement it without wasting time and money.

Enterprise Cost, SMB Reality

National providers like Shopify and GoDaddy deliver volume over service. SMBs pay enterprise prices but get cookie-cutter tools with no personalized support or advocacy.

Our Platform Turns AI Into Enterprise-Grade Results

NetSimple's core platform is built AI-first — enabling us to deliver capabilities that used to require six-figure budgets, at SMB-friendly prices. We abstract the complexity so business owners get the outcome, not the headache.

AI Website Builder Automated SEO Smart Content Generation AI Reporting & Insights Automated Social Posting Payment Automation CRM Intelligence Non Profit and B2B Solutions

Your Digital Commerce Advocate

AI alone is not enough. Small businesses need a partner who understands their world, speaks their language, and acts on their behalf. That is us — the human layer that makes AI actually work.

  • We implement AI tools — they just use them
  • We monitor, optimize & report results
  • We translate tech complexity into business growth
  • We are in their corner — always on, always accountable
Our Platform — One Ecosystem
03 / 16

NetSimple is the AI-Powered Digital Back Office for America's Small Business. We build it. We run it. They grow.

Payments & POS

  • In-store, online & mobile processing
  • Cash discount & surcharging
  • Text-to-pay, invoicing, ACH
  • Clover, Square, ValorPay, NMI integrations
  • PCI-compliant, real-time reporting

Web & Digital Marketing

  • AI-powered website builds in days, not weeks
  • SEO, content creation & social posting
  • Email campaigns & CRM included
  • Mobile-first, high-converting designs
  • Ongoing optimization — always current

Business Management System

  • CRM — manage customers and contacts in one place
  • Reporting and business intelligence dashboard
  • Onboarding new customers with automated workflows
  • Messaging center for client communications
  • Social media center — schedule, post and track

BizSimple Solutions — Powered by AI

  • Custom solutions built for each merchant's specific needs
  • Resellable platform solutions for partners and agents
  • Every solution leads to embedded payment processing
  • Enterprise power at SMB cost
Business Model
04 / 16

GET

Acquire new merchants through multi-channel opportunities — Sales Managers, Independent Contractors, referral partnerships, payment ISOs, and portfolio acquisitions. Powered by AI with a human touch for boutique service.

GROW

Expand revenue through cross-selling — websites, digital marketing, POS hardware, B2B portals, donation platforms, and AI-powered tools that help merchants grow, which helps us grow organically.

KEEP

Retain clients through white-glove support, proactive AI optimization, deep operational integration, and solutions that make them sticky — building long-term relationships that last.

Web & SaaS

Setup fees plus monthly platform fees for web, marketing & software tools

Payment Processing

Residual revenue solutions that grow merchant CC volume and increase our revenue

Proprietary Solutions

BizSimple B2B Solutions and GiveSimple licensing & transaction revenue

B2B & Nonprofit

BizSimple and GiveSimple licensing & transaction revenue

Traction & Projections
05 / 16
$110K+Monthly Recurring Revenue
$4MPlatform Valuation (Current)
MultiActive Revenue Streams
500+Annual Onboarding Capacity

Revenue Projections — With Investment Capital

MRR Target
ARR
Growth Driver
Today '26
$110K+
$1.32M
Organic base
Year 1 '27
$250K
$3M
Sales + AI automation
Year 2 '28
$700K+
$8.4M
National partners + B2B scale
24 Mo Goal
$1.4M+
$16.86M
Platform portfolio dominance
Integrations & Partners
06 / 16

Our platform is processor-agnostic and integration-ready — connecting seamlessly with the payment networks, tools, and partners merchants already use.

Integration and Partner logos
Why We Win
07 / 16
Delivering Enterprise-Level Commerce Power to SMBs Through AI, Payments, and Human Expertise.

AI Accelerates,
Humans Perfect

AI generates at speed. Our team customizes for conversion. No DIY platform matches this hybrid at SMB prices.

Embedded Payments =
Sticky Revenue

Payments woven into every workflow means clients do not leave. Each merchant drives residual income for life.

Boutique Service
at Scale

White-glove support that Shopify and GoDaddy cannot replicate. We own the relationship, not just the software.

Processor-Agnostic
Flexibility

Integrates with Clover, Square, ValorPay, NMI — flexibility no single-stack rival can match.

Competitors
WEB
Shopify
GoDaddy
Wix
WordPress
Competitors
ISO Payments
Maverick
Netevia
Staxx
Impact Payments
Go-To-Market & Scale Strategy
08 / 16
A Multi-Channel Sales Engine Built to Scale Nationally
Regional leadership + direct market + specialist divisions — all driving toward one quota
6
Growth Channels
CHANNEL 1 — REGIONAL SALES NETWORK
Regional Vice Presidents
Own regional P&L — recruit, manage and hold agents accountable to quota
▼
MASTER AGENTS
Build sub-agent networks with volume override commissions.
SUB AGENTS
Front-line merchant acquisition with residual income on every account.
REFERRAL PARTNERS
Accountants, attorneys, chambers — simple referral fee model.
AUTH. SALES OFFICE
Licensed ASOs operating under NetSimple brand with dedicated territories.
INDEPENDENT CONTRACTORS
1099 sales professionals earning commissions with flexible engagement model.
Each region carries a defined merchant activation quota tied to the $16.86M portfolio target
CHANNEL 3 — PRODUCT DIVISION MANAGERS
Nonprofit Division
Dedicated manager selling GiveSimple exclusively to churches, charities, and nonprofits nationwide.
B2B Division
Dedicated manager selling BizSimple to wholesale, distribution, and trade businesses.
CHANNEL 5 — CUSTOM SOLUTIONS
Built-to-Fit. Locked In for Life.
We build fully customized digital commerce platforms tailored to each SMB's unique workflow — with payments embedded at the core. Every custom build creates deep operational integration, making NetSimple indispensable and dramatically reducing churn.
Custom solutions help SMBs with lower seat costs — saving them money while winning their business away from bloated enterprise platforms. Solutions are easy to update as their business changes and built to scale as they grow.
Deep Integration
Custom workflows tied to payments create high switching costs.
Payment Lock-In
Payments baked into every custom build drives lifetime residual revenue.
CHANNEL 2 — DIRECT TO MARKET
ISO Portfolio Acquisition
Acquire existing ISO merchant portfolios to instantly grow our active account base and recurring revenue without organic acquisition costs.
SEO & Social Media
AI-powered content drives inbound leads through organic search, Google Business, and targeted social campaigns.
Banking Partners
Community banks and credit unions refer SMB clients needing digital infrastructure — warm, trusted introductions at scale.
MSP Relationships
Managed Service Providers embed NetSimple as their SMB digital commerce layer — white-label and co-sell opportunities.
CHANNEL 4 — CLOVER & SQUARE APP MARKETS
Listed in the App Marketplace
We develop and submit apps to the Clover and Square app marketplaces — reaching millions of existing merchants directly inside their POS systems and generating recurring SaaS revenue without traditional sales costs.
THE GROWTH FLYWHEEL
Agents Activate Merchants
→
MRR Grows
→
Platform Scales
→
More Partners Join
Every new merchant strengthens the platform, grows residual revenue, and attracts more partners — a self-reinforcing cycle.
24-Month Revenue Projection
09 / 16
NetSimple
24-Month Investor Revenue Projection  |  Confidential
$166 Gross ARPU  ·  Fixed Churn Tiers  ·  40x MRR Multiple
500 accounts today $166 gross ARPU Phase 1: 50 new / 2 churn Phase 2A: 75 new / 3 churn Phase 2B: Staggered 100-150 new / 4 churn Target: 2,000 accounts by month 24
Phase 1 - 50/mo Phase 2A - 75/mo Phase 2B - 100-150/mo
Gross MRR ($)
Active Accounts - Target 2,000 by M24
NetSimple - Confidential and Proprietary $166 ARPU - Fixed churn tiers - 500 accounts starting - 40x MRR multiple - Target 2,000 accounts M24
Web Solutions — Channel Overview
10 / 16
Two Complementary Web Revenue Engines
AI-powered volume sites + premium custom builds — capturing both scale and high-value clients
$15K
Current MRR · 150 Active Sites
AI-THEMED WEBSITES
HIGH VOLUME
$79
Monthly SaaS
$399
Setup Fee
24-Month Ramp
Mo 1–5
20 new
Mo 5–8
30 new
Mo 8–12
40 new
Mo 12–15
50 new
Mo 15–20
75 new
Mo 20–24
100 new
CUSTOM WEB SOLUTIONS
HIGH VALUE
$199
Monthly SaaS
$4,500
Setup Fee
24-Month Ramp
Mo 1–5
5 new
Mo 5–8
8 new
Mo 8–12
10 new
Mo 12–15
20 new
Mo 15–20
35 new
Mo 20–24
50 new
Predictable MRR
Both products generate stable monthly recurring revenue that compounds as the customer base grows.
Upfront Cash Flow
Setup fees ($399 AI / $4,500 custom) fund customer acquisition and operations as we scale.
Dual Funnel
AI sites capture volume; custom builds capture value. Together they cover the full SMB market spectrum.
Web Solutions — 24-Month Revenue Projection
11 / 16
NetSimple — Web Solutions
AI Sites: $79 MRR / $399 Setup  |  Custom: $199 MRR / $4,500 Setup
Starting base: 150 sites @ $109 avg = $15K MRR
Total Web MRR ($)
Active Sites (AI vs Custom)
NetSimple Web Solutions — Confidential AI Sites: $79 MRR · Custom: $199 MRR · Base: 150 sites · No churn modeled
Combined Revenue Summary
12 / 16

NetSimple operates across two distinct but deeply integrated revenue channels — Payments & Platform (processing-driven residuals) and Web Solutions (subscription + setup fees). Together they form a compounding, multi-stream revenue engine.

Payments & Platform
Today MRR
$89,600
Month 24 MRR (Projected)
$421,500
2,000 accts × $166 ARPU (net churn)
4.7x
MRR Growth
Web Solutions
Today MRR
$15,000
150 sites × $109 avg ARPU
Month 24 MRR (Projected)
Calculating...
AI sites + Custom builds accumulated
~
MRR Growth
Combined Total
Today Combined MRR
$104,600
Month 24 Combined MRR
Calculating...
~
Combined ARR at M24
ADDITIONAL CASH FLOW — UPFRONT SETUP FEES (24 MONTHS)
~
AI Site Setup Fees
315 sites × $399
~
Custom Setup Fees
128 sites × $4,500
~
Total Setup Fee Revenue
24-month cumulative
~
Total Cumulative MRR
All web channels · 24 mo
The Investor Narrative

NetSimple compounds recurring revenue from payments processing residuals and web subscriptions simultaneously — while generating strong upfront cash from setup fees. Every new merchant activates multiple revenue streams, creating a self-reinforcing growth cycle that accelerates as the platform scales.

Roadmap & Milestones
13 / 16
2026–2027 Vision

Scale from $89.6K MRR to $1.4M+ MRR by deploying capital across sales, AI development, and national market expansion — reaching the $16.86M portfolio target in 24 months.

19x
MRR Growth Target
Q3 2026
Launch & Scale
  • Launch BizSimple B2B & Booking Solutions
  • AI-powered website theme creation
  • Enhanced partner & merchant portal
  • Expanded payment integrations (Clover, Square)
  • Add sales support to accelerate growth
Q4 2026
Automate & Expand
  • Complete internal CRM & communications platform
  • Events & Bookings for GiveSimple
  • WordPress payment & fundraising plugins
  • AI-powered content & social posting
  • Hire Fundraising & B2B Sales Leader
Q1 2027
Dominate & Lead
  • Mobile app for agents & merchants
  • Hire dedicated AI integration specialist
  • AI-assisted merchant support system
  • Internal sales team & Sales Manager hire
  • National marketing campaign launch
Investment Opportunity
14 / 16
$3,000,000
Target Raise  ·  20% Equity

Use of Funds

Personnel & Sales
35%
Marketing & Growth
35%
Product / Platform
25%
CapEx
5%
$1M platform valuation today with $89.6K MRR. A $3M raise at 20% implies a $15M post-money valuation — conservative given a $16.86M portfolio target in 24 months.
$3,000,000
20% Equity  ·  Lead Investor

Full raise. Funds complete roadmap — national sales team, AI platform buildout, marketing at scale, and national brand presence to compete with Shopify & GoDaddy.

$1,000,000
~7% Equity  ·  Strategic Partner

Funds Q3–Q4 2026: BizSimple launch, AI automation, CRM buildout, sales leadership hire, and expanded payment integrations.

$200,000
1% Equity  ·  Minimum Entry

Ideal for angels seeking early-stage exposure to a high-growth SMB fintech platform with proven recurring revenue and product-market fit.

16 / 16
NetSimple  ·  Growth Capital 2026
The SMB Stack Is Broken.
We Built the Fix.
Join Us.
$89.6K MRR Today — Real Revenue, Right Now
$16.86M Portfolio Target in 24 Months
9.4M Businesses Waiting for a Better Option

This is not a bet on an idea.
This is a blueprint backed by revenue, built on a platform that works, and powered by a team that shows up for every merchant every day.

The tools exist. The market is enormous. The timing is now.
We are the human layer that makes it all real for small business America.

Invest in NetSimple — Growth Capital 2026
Gregory Renfroe  ·  Founder & CEO
greg@netsimple.io  ·  904-377-4360

Forward-looking statements are estimates based on current conditions. Not a public offering of securities.
Data Sources & References
16 / 16

The market data cited throughout this presentation is drawn from the following industry reports, government sources, and research organizations. All figures represent the most widely cited estimates in the SMB digital commerce space.

SMB DIGITAL PRESENCE & WEBSITE ADOPTION
9.4M SMBs without digital presence
U.S. Small Business Administration (SBA) — 33M total U.S. small businesses. Clutch Small Business Website Survey (2023–2024) reports 27–29% of SMBs lack a functional website. 29% of 33M = ~9.4M.
Sources: sba.gov · clutch.co/resources/small-business-websites
4M plan to go online in 2026
GoDaddy Small Business Digital Health Survey & Statista SMB Intent Data (2024) show 40–45% of website-less businesses express intent to build in the next 12 months. 40–45% of 9.4M = 3.7–4.2M.
Sources: godaddy.com/resources · statista.com/SMB-digital-adoption
SMB digital readiness & fragmentation
SCORE Small Business Digital Readiness Report (2023) and Deloitte Connected Small Business Report document ongoing fragmentation of tools and low digital maturity among SMBs.
Sources: score.org/resource · deloitte.com/connected-small-business
MARKET SIZE — US & GLOBAL
$90B+ US Web Platform Market
Grand View Research and IBISWorld estimate the US website builder, CMS, and digital commerce platform market at $88–95B+ as of 2024, growing ~10% annually.
Sources: grandviewresearch.com · ibisworld.com
Global eCommerce $5.5–9T
Statista Global eCommerce Report (2024) projects global eCommerce revenue at $5.5T–$9T by 2027 depending on segment scope.
Sources: statista.com/ecommerce-worldwide
AI & TECHNOLOGY ADOPTION
AI software & services market $1T+
McKinsey Global Institute AI Report (2023) and Goldman Sachs AI Market Sizing project AI software and services reaching $1T by 2030.
Sources: mckinsey.com/ai-economic-impact · goldmansachs.com/AI-report
AI overwhelm among SMBs
Salesforce Small & Medium Business Trends Report (2024) found 64% of SMB owners say they don't know where to start with AI, and 71% have tried and abandoned AI tools due to complexity.
Sources: salesforce.com/smb-trends-report-2024
PAYMENT PROCESSING
SMB payment fragmentation
Federal Reserve Small Business Credit Survey (2023) and Mastercard SMB Insights report that the average SMB uses 3–5 separate tools for payments, invoicing, and financial management.
Sources: fedsmallbusiness.org · mastercard.com/smb-insights
280–300M global SMBs without digital presence
International Finance Corporation (IFC) and World Bank estimate 400M+ micro and small businesses globally, with 70–75% lacking meaningful online presence.
Sources: ifc.org/SME-finance · worldbank.org/SMB-digital
IMPORTANT NOTE ON DATA

All market statistics represent widely-cited industry estimates and ranges. Figures may vary by source and methodology. NetSimple uses these as directional indicators of market opportunity, not as guaranteed market size projections. We recommend verifying current figures directly with cited sources prior to any investment decision.