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Invest in MKg Enterprises Corp.

Focusing on serving low-income communities while promoting equal and fair access to homeownership



reserved of a $50,000 goal
 $5M  $500K valuation cap Future Equity
Early Bird Bonus: The first $250K of investments will be in a SAFE with a $500K valuation cap and 3% discount
$250, $500, $1K, $10K
President, MKG Enterprises Corp
I believe in investing in world changing organizations and investing in black founders. MKG Enterprise Corp is,a diversified consumer finance company that has developed a innovative product will be the bridge the gap between the underbanked consumers turned down by banks, finance companies, thrifts and credit cards as an alternative finance company consumers can turn to when credit challenged. MKG Enterprise Corp Auto Finance is a game changer in the auto industry during these economic downturn due to the coronavirus pandemic when many lenders are exiting the subprime auto market making it difficult to obtain a auto loan driving by consumer credit and bank lending guidelines. MKG Enterprise Corp personal service focuses on the customers needs and tax refund to finance auto loans and making car buying easy and affordable. 


Diversified digital finance company promoting equal and fair access to homeownership
Launched banking as a service mobile app in 2022 available on Google Play and Apple Store
Completing PCAOB audit review for 2020, 2021. Our ambition is to be listed on the OTCQX or NASDAQ.
Personal and business loans to consumers with limited access to credit from banks, thrifts, credit cards, lenders
Post revenue Fintech
Pre-money valuation $5M
Niche market that is a billion dollar financial service industry
Building a consumers and business Banking As A Service Platform

Our Team

The tax industry is a seasonal business as more consumers rely on using their mobile phone devices nowadays Americans Check Their Phones 8 Billion Times a Day, making mobile payments and online mobile tax preparation a game changer.

Target market

Amid the COVID-19 crisis, the global market for Tax Preparation Services estimated at US $11.3 Billion in the year 2020, is projected to reach a revised size of US $13.9 Billion by 2027, growing at a CAGR of 2.9% over the analysis period 2020-2027.

MKG Enterprises Corp Financial Services is a diversified digital  finance company focusing on serving low-income to moderate income communities while promoting equal and fair access to homeownership.

MKG Enterprises Corp Third-Party Originators NLMS #1370394 offers FHA, Conventional, VA loans, Jumbo Loans, Business Loans, Tax Advance Loans & Auto Title Loans.

The company provides auto, home, life, health insurance as well as mortgage loans, down payment assistance, virtual tax consultancy, innovative tax refund financial products that can reduce consumer debt; achieve financial security and independence through the use of best-in-class financial products that protects against loss, increase income and safeguards assets.

There’s little doubt that digital currencies have seen remarkable growth. Spurred on by the incredible growth of bitcoin (BTC) and ether (ETH)

MKG Tax Consultants mobile app offers self-custody digital assets. Token MKG Enterprises Corp is an ERC-20 token that is digital asset smart contract deployed in 2021 as an ERC-20 utility token and dApp.

Self-custody wallets are designed to keep you in control of your private keys without the need for an institutional intermediary. You are in control.

True cryptocurrency ownership means maintaining self-custody so that you have constant access to your funds and control of your private keys.

MKG Insurance Agency

As people continue to struggle with access to affordable credit and income tax returns, given the recent changes in the tax laws with the enactment of The PATH ACT and the Global Coronavirus Pandemic.

African-American entrepreneur, Marshawn Govan stated it was important to launch the mobile app during Black History Month to honor the contributions African-Americans have made throughout history — and to recognize the fight for racial justice going on to this day.

MKG Tax Consultants tax-filing app is tailored to low-income minority communities to revolutionize the tax industry in response to the novel coronavirus pandemic--banks were not lending to people of color who were struggling with access to capital even before the pandemic.

Most tax companies with mobile apps use third-party developers, leasing the software as a service.

“We are originators and developers of what we have in the market,” Govan said. “We can also branch out, white label it and offer that as a software service to other tax companies — to a bank looking to become a green product.”

The app also helps consumers start the process of buying a home.

The goal is to help underprivileged and underbanked families access credit to affordably finance auto loans, home improvements, home solar systems, down payments, investment and paying off debts.

While it is unique that a local tax and insurance agency has its own specifically developed app, MKG also offers crypto tax service.

Users will be able to buy, sell and exchange crypto currency. The company even launched its own crypto-token — Token MKG Enterprises.

According to Govan, no other tax firm is offering a crypto token.

The app also features money-wiring services such as Cash app and Venmo.

Users that are business owners will be able to open a business banking account, send and receive money and make check deposits — much like other banking apps on the market.

All-In-One Business Solutions 

Underbanked Demographics 

CashPass VISA

We are excited to now be raising capital on Wefunder to allow retail investors to invest as little as $100 in our company to build the next financial institution which will very soon redefine the tax industry for the better.

Our Go-to-market GTM combines tax refund financial products and subprime auto loans primarily to customers with limited access to consumer credit from banks, thrifts, credit cards, and lenders.

“MKG Enterprises Corp Tax-filing app " is considered one of the most innovative mobile app platforms in the tax industry." combining mobile payments, tax preparation, and tax refund together.  

As a leading tax preparation technology company, we are always thinking forward to growing our share in tax refund bank products. -- We believe this will enable us to leverage our financial products to become the fastest-growing tax refund software provider in the US market.”


To support low-income communities our ESG environmental, social, corporate governance is to expand economic opportunity for underserved people and communities by supporting the growth and capacity providing access to capital to disadvantaged consumers, upward mobility and community development ventures, increase jobs, and build sustainable communities by offering flexible financial products and advisory services.


To be the Central Valley's choice for innovative capital and collaborative leadership promoting vibrant local communities and enhancing the quality of life dedicated to delivering responsible, affordable lending to help low-income, low-wealth, and other disadvantaged people and communities join the economic mainstream.

The Opportunity

There is a growing segment of investors that are demanding that their capital be invested for both financial and social return. This is likely to lead to a fundamental change in the way people invest. In the last few years, we have seen an explosion of money invested into ESG (Environmental, Social and Governance) products that have a “social conscience,” both a financial and social return. Over the next 30 years some $30-40 trillion of wealth is expected to be transferred from the boomers to the next generations, predominantly the millennials.

This is reinforced by the recognition that inequity in our society is at its worst point in decades, with data showing that 10% of the adult population owns 88% of the world’s wealth, and a desire on the part of the next generation to see their capital used to transform some of our societal ills.

Invest in world changing organizations, invest in companies you believe in. Together we can restore the American dream in which all people and communities have access to the investment capital and financial services they need to prosper.

The Credit Problem

Online lenders make consumer loans easier to access but often with high-interest rates and impractical repayment plans. These risky lenders may also use linked bank accounts to collect repayment of loans and extract daily payments. And since the lender is not attached to the success of the borrower, they typically won’t offer flexible terms of repayment. Some borrowers get to a place where every dollar of revenue is committed to repaying the principal and interest on a loan, trapping their business in a cycle of debt that’s almost impossible to escape.

Plus, borrowers who can pay off the loan in full are often discouraged from doing so by pre-payment penalties that serve to increase the borrower’s debt and the online lender’s profits. If the borrower can’t pay back a loan, lenders have obtained judgments and seized assets sometimes worth more than the loan itself. The borrower is then forced to declare bankruptcy.

Why Invest in Our Company:

MKG Enterprises Corp is a diversified financial service company who shares the same vision as CDFI's of expanding economic opportunity and improving the quality of life for disinvested communities by providing consumer and commercial loans primarily to customers with limited access to consumer credit from banks, thrifts, credit cards, and lenders. 

CDFI's Community Development Financial Institutions (“CDFIs”) who have led the charge in making these investments in America’s poorest and most underserved neighborhoods since the early 1970s

Through our lending marketplace, MKG Enterprises Corp Auto Finance division will be able to finance monthly automobile payments and increase flexible car buying and auto loan options for used automobiles and refinance existing auto loans to consumers with limited access to credit using the mobile loan app.

There is a growing segment of investors that are demanding that their capital be invested for both financial and social returns. Economic inequality is rising exponentially. The future success of the US economy will hinge on our ability to invest in housing, healthcare, education, small business, and other vital services to ensure that the people and places that are being left out are able to share in the newly created value.

A Brief History of US Tax Season:

The tax industry is a seasonal business as more consumers rely on using their mobile phone devices nowadays Americans Check Their Phones 8 Billion Times a Day.

Mobile payment apps have been around for years, but companies like Apple, Google, and Samsung have all launched new tap-to-pay services in the 2014-2015 timeframe. "We're seeing a perfect storm of technology in the mobile device, tax industry technology in the open market, and do-it-yourself tax preparation web-based and IRS free file applications being put into the retail tax industry environment.

The vast majority of Americans – 95% – now own a cellphone of some kind. The share of Americans that own smartphones is now 77%, up from just 35%

MKG Tax Refund is an alternative banking mobile finance and tax preparation non-recourse lending app accessible to 95% of Americans who electronically file their taxes.

Our innovative approach has enabled us to leverage our financial products consistently which we believe will consequently elevate us into the fastest-growing tax refund FinTech in the US market.

Case Studies: 

Tax-Time Financial Products that African-American Households are 36 percent more likely to use the products than white households.

More than 20 million American taxpayers spent at least an estimated half a billion dollars in 2017 on financial products that are based on their anticipated tax refund, according to the National Consumer Law Center. Tax-time financial products, typically offered by banks and made available by providers of tax preparation services, include refund advances and refund anticipation loans (credit products), and refund transfers (deposit product).  In fiscal year 2017, the Internal Revenue Service (IRS) processed more than 150 million individual federal income tax returns, and issued almost 120 million refunds totaling almost $383 billion, according to IRS

Trends in the market for tax-time financial products since 2012 include

• the decline of refund anticipation loans (short-term loans subject to finance charges and fees), 

• the rise in use of refund transfers (temporary bank accounts in which to receive funds), and 

• the introduction of refund advances (loans with no fees or finance charges). 

The Problem or Unsolved Need More recent product developments include increased online access to products for self-filers, higher refund advance amounts, the introduction of new products, and for tax year 2019, the reintroduction of fee-based loans. Specifically, taxpayers who made less than $40,000 were significantly more likely to use the products than those who made more. African-American households were 36 percent more likely to use the products than white households. Product users tend to have immediate cash needs, according to studies by the Government Accountability Office. For these users, tax-time financial products generally provide easier access to cash and more cash at a lower cost than alternatives such as payday, pawnshop, or car title loans.

The Solution:

Restoring the American Credit System, Credit is a cornerstone of the U.S. economy, and access to affordable credit is central to unlocking upward mobility and opportunity. The FICO score was invented in 1956 and remains the standard for determining who is approved for credit and at what interest rate. While FICO is rarely the only input in a lending decision, most banks use simple, rules-based systems that consider only a limited number of variables. Unfortunately, because legacy credit systems fail to properly identify and quantify risk, millions of creditworthy individuals are left out of the system, and millions more pay too much to borrow money.

Overall, Americans owe nearly $1.4 trillion in auto loan debt. Auto debt makes up 5% of American consumer debt. On average, Americans take out about $56 billion across 2.3 million new auto loans each month. Americans borrow an average $34,635 for new vehicles and $21,438 for used vehicles.

American Debt: Auto Loan Balances Hit $1.36 Trillion in 2020

MKG Enterprises Corp Auto Finance

Despite the pandemic, consumers kept buying and borrowing Americans now shoulder $1.36 trillion in auto loan debt—enough to buy 59 million Toyota Camrys at $23,000 a pop. This, according to the latest Quarterly Report on Household Debt and Credit from the Federal Reserve Bank of New York. The current level of auto loan debt is nearly double what it was just 10 years ago, and the figure has risen almost every quarter since 2010. In the third quarter of 2020, the credit bureau TransUnion estimated that the average auto borrower had an outstanding balance of $19,646.


  • Auto loan debt held by Americans rose to a record $1.36 trillion in 2020.
  • Auto loans now make up nearly 10% of all household debt, the third-largest debt category behind mortgages and student loans.
  • While total auto loan debt continues to rise, the percentage of delinquent borrowers remains at a relatively low level.

Motor Vehicle Loans Owned and Securitized, Outstanding

A record 7 million Americans are 90 days or more behind on their auto loan payments. A car loan is typically the first payment people make because a vehicle is critical to getting to work, and someone can live in a car if all else fails. When car loan delinquencies rise, it is usually a sign of significant duress among low-income and working-class Americans.

Key facts about auto loans

  • The average monthly car payment in the U.S. is $563 for new vehicles, $397 for used vehicles and $450 for leased vehicles.
  • Overall, Americans owe nearly $1.4 trillion in auto loan debt.
  • Auto debt makes up 5% of American consumer debt.
  • On average, Americans take out about $56 billion across 2.3 million new auto loans each month.
  • Americans borrow an average $34,635 for new vehicles and $21,438 for used vehicles.
  • The average loan term is 70 months for new cars, 65 months for used cars and 37 months for leased vehicles.
  • 8% of outstanding auto debt is at least 90 days late and another 5.8% is 30 days overdue.
  • The average auto loan APR was 9.46% in 2020, but that ranged from an average of 5.49% for borrowers with the strongest credit to 22.66% for borrowers who are credit invisible.
  • People with 720-plus credit scores originate as much auto loan debt as the rest of the credit tiers combined: $28 billion a month.
  • Americans younger than 50 take out $35.6 billion in auto debt monthly, compared with the $22.6 billion auto debt of older generations.
  • Gen Xers are the most likely to have a car loan, and they carry the highest auto loan balances with a median of $19,223.
  • The average price of a new, light-duty vehicle is $39,259, a 1.3% increase over the same period a year prior. Average used car prices are over a third less expensive — $22,351 at the end of January 2021.

Auto Loan Borrower Profiles Look Good

Despite the record amount of auto loan debt, Americans as a group have managed to keep up with their car payments. Less than 6% of borrowers were 30 or more days delinquent as of Q3 20 0, and just over 2% were 90 or more days delinquent.

Source Cited: New York FED

How Our Products Are Different From the Rest

The vast majority of our competitors aren't licensed by the California Department of Financial Protection and Innovation as a finance lender that can provide other financial services to consumers as an alternative financial solution or build relationships with other independent tax companies, tax software providers, and banking partners. They only provide tax preparation alone, consumers have no other options and their customer satisfaction rate is less than 10% for 1 in 10 approved applying for 3rd party tax advances from banks that only look at their FICO Score and not their actual tax refunds, income and ability to repay.

Overcoming Barriers to adoption and solutions

MKG Tax Refund solutions has the potential to reduce credit card and auto loan debt trap by 80% since the amount of the advance is deducted from tax refunds and reduces the amount that is paid directly to the taxpayer, thereby freeing up a consumer cash flow allowing them to be debt-free from being in the payday debt trap consumers can defer payments depending on their financial situation until their refund is funded or annual payment on auto loan debt using their tax refund through MKG Tax Refund.

What Makes Our Team Special

Through our tax preparation service and online marketplace, we are able to reach more potential customers and lenders. The credit application for the borrowers is simple and straight-forward.

We gather the information about the applicant’s credit, financial needs, and income tax refund status. We are able to make decisions based on data analysis with regard to the value of their tax refund and any potential risks with the applicant

Our principles & values

MKG Tax Consultants loan products are believed to be world class financial product’s and services to middle class American making tax preparation easy and affordable for everyone regardless of their financial situation.

MKG Tax Consultants provides world-class financial product’s and services to middle class American making tax preparation easy and affordable for everyone regardless of their financial situation.

Our tax consultancy specializes in tax resolution, personal and business tax form filings including 1120’s, 1120, 1065, 990N, Schedule C, bookkeeping & payroll services, financial statements in accordance with GAAP as well as accounting software to startup and established company’s.