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Our Pitch Deck:

 

 

Anchor, the first instant check guarantee platform that turns every business check into risk-free, instant cash for merchants and dealers. Checks still move $18T annually in the U.S., yet settlement delays and bounced payments cost businesses over $40B a year. Anchor solves this with AI risk scoring + banking API integrations, guaranteeing funds in seconds and giving merchants immediate cash flow certainty.

We’re raising a $3M pre-seed  to build the core team and launch the product. I’d love to share how we’re modernizing one of the most overlooked but massive financial rails.

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Anchor
Instant Check Guarantee
Tagline: “We make every check instant, risk-free, and guaranteed for merchants.”

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Problem

  • Merchants and dealers still rely heavily on checks for high-ticket sales (auto, equipment, construction, B2B).

  • Checks are slow (days to clear), risky (bounced checks), and costly (over $40B in annual U.S. losses).

  • Current check guarantee services are outdated, retail-focused, and not API-first.

 

Solution

Anchor turns every check into instant, risk-free money.

  • AI Risk Scoring – Real-time fraud and balance verification.

  • Banking API Integrations – Connect with Plaid, Finicity, MX.

  • Instant Guarantee – Merchants receive immediate payment assurance.

  • Seamless Dashboard – Simple interface for uploading/scanning checks and tracking payouts.

  • Merchant scans or uploads check.

  • Anchor runs instant verification + guarantee.

  • Merchant gets “Funds Guaranteed” notice within seconds.

  • ACH settles behind the scenes, Anchor absorbs risk.

 

Market Opportunity

  • $18T annual U.S. check volume still flows through businesses.

  • High-ticket industries (auto, equipment, construction suppliers) are heavily check-dependent.

  • Global expansion potential: cross-border trade, B2B trust layer.

 

Business Model

  • Transaction Fee: 1–2% per guaranteed check (primary revenue driver).

  • SaaS Subscription: $99–$249/month for high-volume merchants.

  • Risk Spread: Profits increase as underwriting model scales.

👉 Hybrid SaaS + Fintech revenue model = predictable recurring income + scalable volume upside.

 

Go-To-Market Strategy

Phase 1: Auto dealers, equipment suppliers, construction vendors.
Phase 2: Broader SMB and B2B check-heavy industries.
Phase 3: Global trade with blockchain-backed guarantees.

Acquisition Channels:

  • Direct sales to dealer networks.

  • Partnerships with banks/fintech platforms.

  • Industry association sponsorships + targeted outreach.

 

Why Now

  • Banking APIs make real-time account verification possible.

  • AI + Risk Models reduce fraud at scale.

  • Merchants need faster, safer, cheaper ways to get paid.

  • Legacy incumbents are slow, vulnerable to disruption.

 

Team & Hiring Needs

Current Team: Founder-led vision with strong industry insight.

Immediate Hiring Needs (Post-Funding):

  • CTO / Head of Engineering (payments + API expertise).

  • Backend Engineer (settlement + integrations).

  • ML/Data Scientist (fraud scoring, AI model).

  • Compliance Advisor (NACHA, MSB licensing, underwriting).

  • BizDev Lead (merchant acquisition + partnerships).

 

Financials & Ask

  • Raising $3M pre-seed 

  • Use of Funds:

    • 45% Product Development (MVP build, APIs, risk engine).

    • 30% Team Hiring (CTO, engineers, compliance, sales).

    • 20% Go-to-Market (merchant acquisition, partnerships).

    • 5% Legal & Operations.

 

Vision

Anchor becomes the universal trust layer for checks, transforming them into instant, risk-free digital money.

Long-term: Expand into ACH, wires, and cross-border trade guarantees.

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“Visa transformed credit cards. Anchor will transform checks. We’re solving a trillion-dollar trust problem — starting today.”

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Founder Intro 

My name is Cesar Flores III, I’m 24 years old and a proud native of Magnolia, Texas. At my core, I’m an entrepreneur and builder — someone who sees complexity as opportunity and builds platforms that bring trust, efficiency, and scale to industries that need it most.

I started in the industrial and construction world, founding Eco Shield Texas to deliver sustainable construction, demolition, and fabrication solutions. From there, I expanded into Eco Shield USA, a national platform serving the Energy, Transport, and Disposal sectors with turnkey builds, retrofits, and compliance-focused services. Our footprint has grown across the Southern U.S., and with every project we’ve proven that safety, compliance, and execution at scale can be our competitive edge.

Now, I’m bringing that same builder’s mindset into fintech with Anchor — a platform designed to transform how businesses handle check payments. Checks still move over $18 trillion annually in the U.S., but they’re slow, risky, and outdated. With Anchor, we’re guaranteeing every check in real time using banking APIs and AI-driven risk scoring, giving high-ticket merchants and B2B vendors instant, risk-free cash flow.

At 24, I’ve learned that the biggest opportunities lie where industries are most resistant to change. My mission is to keep creating solutions — whether in fintech or industrial services — that solve real problems, instill trust, and scale nationally. I’m now raising capital to build the right team, accelerate growth, and position Anchor as the universal trust layer for business payments.

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