Bizmoni is a response to the challenges and barriers encountered by entrepreneurs and small businesses. These issues are common place, constant, and global in nature. The solution to these problems is complex, and Bizmoni is the first concrete attempt to address all of these barriers at once. However, as Bizmoni is not yet fully operational, it cannot benefit from these changes itself, until our unique solution is fully implemented. This apparent paradox lies at the heart of the most transformative and successful businesses of our time and is not unique to Bizmoni.
Bizmoni is about building a New Way to Work and Play, a new decentralized economy where business entrepreneurs, players, builders, and owners can exchange goods, share ideas, and discuss their experiences. Bizmoni blends a marketplace, social media network, business process automation software and a full banking system to create a new way to interact that is less bureaucratic, more secure, and designed to free up more of your time for the things that really matter.
Bizmoni is the most ethical ai and cheapest way available on the market to start a business on a global scale. You can start with as little as 100 Euros or Dollars and build it up from there. At Bizmoni we are working to change the way we think about and do business at a global scale by bringing the resources, knowledge and connections needed to run a successful enterprise within reach of billions of people worldwide with dreams of building a business of their own.
Bizmoni is business agnostic! No previous business training or knowledge is needed for users to benefit from Bizmoni’s unique blend of social media, e-marketplace, business management tools, and integrated banking system.
The lack of cash flow needed to buy enough Time to reach their break-even point is the greatest challenge new Startups face. Banks and private investors consider them High Risk, making it nearly Impossible to breach the gap of 97% between the cash needed and the Money offered (3%). As a result, 83% of new businesses or more close down within the 1st year, and fewer than 0,5% last 5 years. This is a widespread problem that leads more than 100,000 businesses to close every day.
Bizmoni is an innovative technological solution that automates every process needed to run a business and greatly increase its efficiency: sales, purchases, networking, accounting, and banking; you name it. The result is more free cash flows that allow businesses to reach break-even point fast.
At its greatest etent, the potential market covers 7,6 Billion citizens, including an estimated 760 Million Businesses, more than 43 Million new Startups every year, and more than 430 million job-seekers looking for new sources of income.
Bizmoni is a solution available to anyone and everyone with the curiosity, drive or ambition to improve their income, start or grow their business, or help their company reach its full potential.
Bizmoni hopes to reach and satisfy three types of customers.
Players: Young people (Millenials and Gen-Z) looking for a New Way to Work and Play that will let them increase their income, connect with like-minded people, and become inspired by the possibilities of running their own business;
Builders: Those with the ambition and ideas to take the plunge and build their own business, but who may lack the funds, knowledge, connections, and/or resources needed to build and run an effective operation that will not only survive, but grow in the new world economy.
Owners: Established entrepreneurs hoping to improve, consolidate, or transform their businesses and reach their full potential, and who can benefit from the innovative solutions and efficiency-enhancing tools and resources made available by Bizmoni’s unique product.
Bizmoni is born from the personal experience of its Founder – a former small-business owner and serial entrepreneur. Over 30 years of experience in starting and running successful ventures, as well as direct experience with products in the same market sector, are consolidated within Bizmoni. Access to detailed economic data from official sources, along with extensive travel to more than 100 countries and several surveys of target markets and experts have contributed to Bizmoni’s insight into the needs, problems – and most importantly – best solutions of potential entrepreneurs worldwide.
- Finding the right market niche,
- Client acquisition,
- Brand awareness,
- The right timing,
Bizmoni is a truly groundbreaking product with no direct competitors offering a similar combination of specialized tools, knowledge, connectivity and financial access. However, significant competitors exist in each of these segments, including: Banks – Both traditional financial institutions and new On-line banking apps E-marketplaces and shopping apps: Amazon, Alibaba, Shopify and several others, Social Networks: Particularly those with business/sales components, such as Facebook Marketplace, LinkedIn and more.
Potential competitors to Bizmoni face several barriers should they try to adapt towards the Bizmoni model. These include:
The needed knowledge: Bizmoni is built on unique experience and insight, and protected by proprietary technology developed by Bizmoni itself.
Time: Replicating Bizmoni’s blend of technologies and approach requires significant time for any company to adjust.
The will to change: Bizmoni presents new and unique vision that will not be immediately adopted by inflexible, established businesses.
- Liquidity and access to funds,
- Existing client base,
- Teams, and structure,
- Access to economies of scale.
Bizmoni’s founder has direct experience working with multi-billion corporations, having acquired ample knowledge as an Accounting executive, and has been in leading roles as a Board Member, Advisory Board, CEO, CFO, CMO and CTO . He has also led a successful multi-decade career as an entrepreneur, businesss angel, and venture capitalist with a proven track record of selecting, nurturing, and successfully developing various types of business. Bizmoni is the result of this experience, as well as 5 years of intense research in more than 100 countries dedicated to understanding the problems of Business Inclusion – and to finding a solution.
Yes. Bizmoni Founder ir working full-time on this project since 2017 without any financial compensation.
§ MBA in finance and Economics
§ SERIAL ENTREPRENEUR
§ FORMER VC AND BUSINESS ANGEL
§ GOLD MEDAL WINNER IN FINTECH INNOVATION
§ EXPERIENCED TEAM BUILDER
The Founder has had a long and varied career, working with multinational corporations in areas including sales, business development, technology, business modeling, marketing, and finance. The founder has over 30 years of experience in entrepreneurial activities, having started or supported several successful Start-up businesses over this time period.
The Founder’s previous project involved the creation and management of a FinTech company. Following a successful exit sale in 2013, the idea emerged of a new way to think about businesses – a vision of a more equal and fair system, where barriers to access are eliminated and every individual with the drive and ambition to start a business can do so.
Throughout the development of Bizmoni, The Founder has relied on his own savings and investments, while also raising 3F funds for the Bizmoni venture.
Bizmoni follows a common start-up structure, consisting of a Board of Directors, along with an Executive team of about 60 dedicated employees and managers. Bizmoni also has an Advisory board of experts in all relevant areas including: Finance, business, technology, and international law.
There is plenty of proprietary technology involved in Bizmoni’s development. However, these developments have not been submitted for Patent Protection yet, in order to keep this delicate knowledge in-house until development and implementation is completed.
Yes, several domains have been secured for the various areas and products that make up the Bizmoni ecosystem.
Yes, we have a registered international trademark.
There is no traction at the moment; we expect to have traction in the 2nd quarter of 2022.
At the current stage of development, Bizmoni has obtained its funding from the Founder directly, as well as the 3F Funding sources (Friends Fools and Family).
Bizmoni’s initial investors are professionals who understand both the specific business, and the wider workings of the global economy;
- Financial advisors and consultants,
- Technology experts,
- Hardware developers,
- Bankers, and
Bizmoni now has over 75 investors from all across the world, with firm commitments and interest in every major market including: China, Taiwan, Hong Kong, Europe, South America, North America, and the Middle East.
There is currently no debt involved in Bizmoni.
Total investment in Bizmoni amounts to EUR 5 Million in cash, and several years of sweat money provided by 60+ staff members and partners.
Bizmoni is looking to raise an additional 5 Million Euros to cover the next 24 months of development, to be spent as follows:
2 Million Euros to be assigned for the Beta Launch of Bizmoni’s flagship products, including purchasing the needed software licensing. 1 million Euros to cover the Banking EMI license setup and operations. 1,5 Million Euros to support our Full-time Staff for 1 year.
The goal of these investments will be to raise an additional EUR 10 million in funding to enter expansion stages and allow the business to grow.
Immediate funding needs include EUR 1 million required for Bizmoni’s initial Beta Launch, as well as purchasing the initial software development licenses used.
Bizmoni is still collecting funds as we finish the final details of our Live version launch, and prepare to execute our Social Media plan.
The plan involves raising the necessary funds to execute the Social Media calendar and generate enough interest among pre-subscribers to allow for a fully functional Live Launch, allowing the app to generate additional traction and sustained growth.
Raising the needed funding in the time needed for launch.
Bizmoni has the potential to become a new Trillion Dollar Unicorn in the tech world, by delivering a truly unique and transformative solution to a common and urgent problem. Not just another Start-up, Bizmoni’s new way to work and play can change the way we think about business worldwide.
When you create an efficient and solid Business, you can generate Money. This fundamental relationship is at the heart of Bizmoni’s name – a combination of Business (Biz) and Money (Moni) that reflects our business-focused drive and ambition.
There are two main risks that Bizmoni must face and overcome: The need to raise the needed Funds (and the difficulties in finding them in time); and the risk of the company’s growth exceeding initial expectations and outpacing our initial development.
Bizmoni is reaching out to strategically selected HNWI, UHNWI and Crowdfunding investors who understand the Business and believe in Bizmoni’s unique approach to solving the problems identified. Bizmoni has not relied on other Venture and Private capitalists sofar. Bizmoni will continue this approach, reaching out to both existing and new strategic investors to raise more funds that will allow the Business to expand as demand for its unique solutions grows.
The products being developed are sophisticated and proprietary technology that is not easily replicated or copied. However, the business model itself is easy to understand once the full ecosystem is launched. Bizmoni’s secret and value is contained behind the screens, within the unique processes developed using Artificial Intelligence, Machine Learning, Post Quantum Cryptograpfhy and blockchain technology that is hard to crack and is protected by trade secret laws.
Bizmoni’s business model foresees scaling through a widespread viral process based on effective promotion and strategic partnerships with regional and local business developers and Franchisees
Potential growth in the short term contemplates reaching over 1 million users worldwide, generating over more than
EUR 2 billion in revenue a year.
Bizmoni is being developed by experienced, professional, and highly qualified team members. We have spent considerable time and effort preparing, researching, and developing Bizmoni in order to avoid any mistakes and overcome every obstacle that might be expected. Our company is deeply grateful for the funding and support received, and will work diligently to multiply the received funds. However, we are also aware of the obstacles ad risks that every venture must face in order to succeed – precisely the issue we hope to solve. As with all ventures, there is always an element of risk.
Bizmoni contemplates growing through three rounds of investment, with valuations being adjusted for each. Investors may choose to leave up to 30% of their previous investment after each round, if they wish to stay as part of the company until our planned IPO.
Bizmoni’s real value today is equivalent to over EUR 20 Million in both cash and sweat money. The expected amount for funding would be a negotiable multiple of this sum.
If you wish to become an investor, Bizmoni will provide the necessary documentation including the appropriate NDA, term sheet, or private placement memorandum (this depends on an accredited investor), and a Subscription Form. Once you have filled and signed these documents, you will be given the necessary banking account details to transfer the subscription value. You will also get a confirmation letter by email and an official share certificate by post.
By analyzing the way the business behaves, both operationally and financially, as well as monitoring the behavior and preferences of our clients at every level of interaction – from wholesale to supply-side issues, up to every relevant level of the company’s management and operations.
Bizmoni helps boost sales by providing tools that make workflow more efficient; automate the most demanding processes such as inventory management, payroll management; by providing a vibrant marketplace dedicated to improving business deals; and by providing access to specialized knowledge allowing for better strategies and methods to be developed by any business.
Bizmoni’s unique practices and products help boost business effectiveness, as well as providing a secure and vibrant ecosystem that is geared towards improving the way business deals are conducted, promoting honesty, transparency and security for all users, at every level of involvement.
Bizmoni’s payment technology relies on the latest developments in Financial Technology (FinTech), including artificial intelligence and blockchain tracking to ensure payments and funds are secure at every step of a client’s transaction. Every client will be given a Bizmoni Wallet, where funds can be deposited or withdrawn by linking to either traditional banking institutions or to online payment apps. When a transaction is initiated and the deal accepted, funds are transferred through an Escrow account that will be released once delivery has been completed and the goods or services have been received to customer’s satisfaction.
All transactions and deals are created in a Closed-Loop system. There are no connections to the outside world, and all transactions are recorded and logged by a decentralized database protected by blockchain technology. Both parties to a transaction must pass full KYC procedures, and will be rated in their roles as buyers and sellers through the Bizmoni Super App itself, creating a digital record and allowing unreliable suppliers or buyers to be identified and dealt with.
Specific timeframes for delivery of services and goods are determined by the Buyer and Seller, depending on their geographical location and local considerations. In most cases, sellers and buyers will be no more than 15 miles apart, allowing for fast delivery – As well as self-pickup, warehouse delivery, and other options developed for the clients’ convenience, allowing most deliveries to be made within 24-48 hours. In cases where goods are damaged or fail to arrive to their intended destination, buyers and sellers can request for full refunds or replacements, as well as the return of delivered merchandise or equivalent compensation.
Bizmoni has a full dispute resolution mechanism in place. However, keep in mind that the customer is KING. Bizmoni can also provide insurance and an arbitrage system for those rare resolutions that cannot be solved immediately. All claims are handled by Bizmoni’s own call center, as well as regional partners that ensure full understanding of local contexts, laws, and other considerations.
Bizmoni’s algorithms are part of our proprietary technology. Using the latest in AI and Machine Learning, these technological tools analyze the risks involved with every user who requests a loan, determining the amounts and time-frames available to the user.
Bizmoni’s banking activities do require a license when surpassing certain thresholds in every jurisdiction it operates – eg. when reaching 1 million euros or more in traded Business per year within the Eurozone. The exact nature and specific kind of license varies according depends on the country's legal system. There are three types of permits: PCI, EMI, BANK. Bizmoni will apply to all needed Banking license types as needed.
While the ultimate goal would be to obtain a full Banking license, such permits take several years to be obtained, requiring on average 3 years of banking activity within the Eurozone, for example. Maintaining these activities may be costly for a new business. The EMI Type licenses will be ideal for Bizmoni’s first stages of activity.
Procedures and rules for Financial/Banking licenses vary from one country to another. Permits may be requested to the appropriate Secretariat, Ministry or Central Banking authority. Banking licenses may also be temporarily leased while initial consolidation and expansion activities are pursued.
Aspiring subscribers must pass a simple KYC evaluation and be able to deposit a minimum of $100 (or equivalent currency) in their Bizmoni Wallet.
Yes, there is a proof of concept.
500K/month in full running mode but at this stage the Burn Rate is 20k/month
There are no reliable measurements of Bizmoni’s Churn Rate at this stage of development. However, analysis of similar markets and products lead us to expect a churn rate of between 3% and 5%.
We expect to reach our break-even point within 14 to 16 months after BETA launch.
Due to our low operational costs, Bizmoni can expect to reach an EBTIDA of between 80% and 90%. Most activity is outsourced and transformed into a monthly variable rate per user.
Current estimates for Bizmoni require approximately 15186 active users
3 rounds of funding are expected.
Bizmoni will be developing a currency to be used within Bizmoni’s internal environment. This currency will be fully convertible and kept on a one-to-one parity between the USD and the Euro (Stable Currency).
Yes, Bizmoni will use private Blockchain technology in order to secure the safety and reliability of our transactions and operations.
For more detailed information, please view the information available on our investor deck (NDA needs to be signed).
Yes, Bizmoni uses a decentralized database complying with all safety and privacy regulations.
Bizmoni employs a low-code development environment that allows programmers and other staff to work together in real time, using decentralized working models.
Bizmoni will use existing products from suppliers including Amazon, Microsoft or Google to develop our cloud infrastructure and solve other common needs that are more efficiently addressed by commercial providers, without requiring Bizmoni to develop its own replacements.
Yes. Bizmoni will make use of Cloud computing, storage, and data processing facilities.
Amazon, Google and Microsoft are our preferred partners. No specific or exclusive agreements have been reached at this stage.
Bizmoni carries out extensive safety tests of all our systems, detecting and correcting any vulnerabilities immediately.
Bizmoni’s current technological solutions have an estimated life-span between 5 and 10 years before they will need to be replaced by new developments. However, due to our low-code solutions, this technological update will be simple, painless, and will not require any major technological components to be replaced.
Bizmoni will concentrate promotion efforts on Online marketing through search engines and on social media. Existing members will be used to generate viral marketing traction and to allow for compensation for their efforts.
Bizmoni has developed customer acquisition strategies for all our major target personalities and markets, with local partners helping fine-tune our efforts and messages to ensure the greatest penetration and best conversion rates available.
Bizmoni’s primary launch markets will be all English-speaking countries as a first priority, followed by Spanish, Portuguese, Hindi, Arabic, and Russian-speaking areas.
All promotion for Bizmoni’s initial stages will be focused online.
Bizmoni is being designed and developed by our own team of in-house programmers, designers, developers and content creators.
Bizmoni aims at cornering less than 0.1% of the potential market within 5 years.
Bizmoni blends a marketplace, social media network, business process automation software and a full banking system to create a new way to interact that is less bureaucratic, more secure, and designed to provide solutions to the issue of Business Inclusion and access to funding for new businesses and entrepreneurs.
Bizmoni’s revenue will come from a series of sources, including: Transactions: small fees incurred from transactions taking place in our e-marketplace Advertising: Sale of advertising space to third-party companies, including Bizmoni users. Memberships: A differentiated subscription model that provides attractive benefits at the best prices available on the market. Loans: Including micro-credit operations, and other financial products geared towards Bizmoni’s customer base. Cards: Debit and credit cards backed by Bizmoni and its banking partners. Business partners revenue sharing: Bizmoni’s structure allows for revenues to be shared easily among business partners, with Bizmoni being in a prime position to benefit. Bizmoni Cook a Business Training programs to make decisions like fortune 500 Ceo’s
Bizmoni’s products will be promoted by targeting existing members, to be selected based on performance.
Bizmoni is a New Way to Work and Play, a new decentralized economy where business entrepreneurs, players, builders, and owners can exchange goods, share ideas, and discuss their experiences. Bizmoni blends a marketplace, social media network, business process automation software and a full banking system to create a new way to interact that is less bureaucratic, more secure, and designed to free up more of your time for things that really matter. The potential competitors mentioned above differ from Bizmoni in one or several aspects, failing to provide the comprehensive solution that Bizmoni brings to the problem of Business Inclusion. This is what makes Bizmoni’s business model and value proposition unique and unmatched.
We expect to grow fast and head to an IPO in 5 years or get an offer for a buyout.
Bizmoni is focused on a specific market, which is not well covered by these potential competitors. Bizmoni offers a unique solution package to a potential pool of 43 million businesses every year, with products and solutions specifically tareted towards solving the needs of our target demographics: Players, Builders and Owners of all backgrounds and walks of life – the dreamers who have found no other solutions that will bring their hopes of a successful business closer to reality.
We deliver a new concept where new generations will have the freedom – and the resources – to forge their own paths and build their own businesses We believe in the power of technology and human creativity to build a world that is inclusive, fair, and free for everyone looking to bring their dreams to life. No matter how big, or how small - we provide the tools, knowledge, and secure space for anyone to learn and succeed.
Multi-Tier means having several platforms coming together to create one solution; it can also be explained as converging technologies.
There is no such thing as Risk-free loans. However, we reduce risk to its bare minimum through careful analysis using AI and Machine learning technologies.
Full details of Bizmoni’s technological solutions constitute trade secrets that Bizmoni must keep confidential. A general description of its uses include: Collecting data, including behavior markers and patterns, assigning values and marking points of interest; evaluating and analyzing results, outcomes, and available alternatives.
Bizmoni is registered as a US C – Corp, majority-owned by a holding company that is in turn owned by the Founder.