Pigeon: Simplifying Loans Between Friends, Family & Businesses

Transforming Relationships Through Financial Empowerment

Pigeon is the world’s leading platform for creating and managing loans between friends, family, and communities. By simplifying interpersonal lending, we enable users to borrow and lend money confidently, turning financial transactions into opportunities to strengthen relationships.

Why Pigeon?

The need is clear: $200 billion in informal loans are exchanged in the U.S. every year, with over $1 trillion globally. Yet, the process remains awkward, risky, and poorly managed, often leaving relationships strained. Pigeon changes that by offering a seamless, secure platform for personal lending that prioritizes trust, transparency, and accessibility.

Our Story 🧡

Born from a personal financial dilemma during the pandemic, Brian, Pigeon’s founder realized there was no easy way to lend or borrow money with loved ones without risking strain on relationships. Determined to solve this, he created Pigeon—a platform designed to handle the delicate balance of money and trust, ensuring both parties feel secure and supported. Today, we’re on a mission to heal financial scars and empower communities worldwide.

The Numbers 🧮

100,000 users across seven countries.
$1.5M+ in monthly transactions, averaging $15,000 per loan.
24% MoM revenue growth in 2024, tracking toward $250k ARR.
Default rates of just 3%, compared to 13% or more previously in informal lending.

Our Impact 🌍

Pigeon is more than a fintech tool—it’s a catalyst for positive social change. Whether it’s funding a small business, helping with medical expenses, or supporting education, our platform bridges financial gaps while preserving and even strengthening relationships. Users benefit from:

Flexible structured payments.
Automated reminders and tracking.
Legally binding agreements.
Custom repayment schedules and support.

How We Make Money 💰

Pigeon operates on a sustainable freemium model, with revenue derived from:

Subscriptions for premium loans exceeding $5,000 or lasting over 12 months.
Transaction fees on in-app payments, including international transfers.
Future B2B2C partnerships through white-labeled integrations with financial institutions.

We charge our customers a simple $7.99 per month subscription fee for loans that fit our premium criteria & additionally collect up to 3.5% in transaction fees on credit, debit, and international transactions.

Why Invest Now? 🚀

A Massive Market Opportunity

Finances are the leading cause of stress in all forms of relationships - familial, romantic, professional, and more. 78% of Americans live paycheck to paycheck. With 50% of folks unable to afford a $1,000 emergency.

With over $200 billion in informal loans annually in the U.S. and a growing demand for secure, interpersonal financial tools, Pigeon is poised to dominate an untapped niche.

Exponential Growth Potential

Our team has laid the groundwork for scaling, with:

Robust technology capable of handling 20 million users.
Expanding partnerships with global platforms like Stripe.
A roadmap to integrate advanced fintech tools, such as crypto-powered transactions and underwriting tooling.

How We’ll Use the Funds ⚡

The funds raised in this round will be strategically deployed to strengthen our foundation and accelerate growth in three critical areas:

Extending Our Runway to Profitability

We are committed to achieving sustained profitability. By optimizing our operations and extending our runway, we’ll ensure Pigeon has the time and resources to scale responsibly, solidify our position in the market, and reach critical financial milestones.

Enhancing Payment Processing Capabilities

Seamless payment experiences are at the heart of our platform. We’ll invest in bolstering our payment infrastructure, introducing faster processing, and more diverse payment methods, and reducing transaction fees for users—all while improving reliability and scalability.

Expanding into B2B Technology for Revenue Multiplication

To unlock exponential revenue growth, we will experiment with B2B integrations such as white-labeled lending solutions for financial institutions and partnerships with businesses that could benefit from interpersonal lending frameworks. This expansion aims to create new revenue streams, reduce customer acquisition costs, and set the stage for a successful Series A raise.

By focusing on these initiatives, we will ensure Pigeon’s long-term growth, profitability, and ability to make a lasting impact in the fintech ecosystem.

Our Vision 🔮

We envision a world where financial help flows seamlessly within communities, free of the awkwardness and risk that often accompany interpersonal loans. Pigeon aims to:

Become the default platform for interpersonal lending, trusted globally.
Expand into retail and institutional partnerships, redefining financial empowerment.
Lead the charge in innovative lending solutions, transforming how financial trust is measured.

In five years, we hope that Pigeon becomes a unicorn startup, recognized globally as the go-to platform for lending and borrowing money within trusted relationships. With 1 million+ users and billions of dollars in loan volume moved annually, we aim to redefine how people think about interpersonal loans.

Our goal is to become synonymous with the concept of borrowing and lending money between friends, family, and communities, creating a world where financial help is simple, secure, and stress-free. By building trust at scale, we’ll empower individuals worldwide to strengthen their relationships while unlocking new opportunities through financial support.

This isn’t just about finance & technology; it’s about transforming the way the world connects and catering to the relationships that serve as the backbone of our global economy, one loan at a time.

Join Us 💡

Invest in Pigeon today and help us reshape the financial future. Together, we can turn everyday loans into powerful tools for connection, trust, and prosperity.

Personal Note:

Thank you for taking the time to read about us and learn more about the mission we are on. Whether or not you choose to invest, I just want to personally note on behalf of the team that we are grateful for your support and consideration.

We've done a lot of good in our 4 years of operation already & we believe there is still a lot more good to do! Supporting each other in our times of need is what we ultimately hope to enable everyone to better be able to do. We'll continue to work night and day to make Pigeon a smarter, easier, and the best place to turn to the next time you need to help or garner support from someone you know and care for in need.

The Pigeon Team 🐣