Synergy Resources

About the offering

Synergy Resources LLC is an early-stage B2B SaaS FinTech company founded by Gaurav S. Chug, who brings over 25 years of experience in global banking, capital markets, and FinTech. The company is building an AI-powered compliance and credit platform targeting financial institutions such as banks, credit unions, lenders, and capital markets firms. The platform is organized around three core pillars: (1) Compliance Automation, which automates regulatory updates, KYC/AML checks, and rule mapping across jurisdictions; (2) the Global Credit Passport™, a portable, normalized credit scoring profile that integrates bureau data, open banking feeds, and alternative data to enable cross-border credit access for immigrants, expats, and global businesses; and (3) Real-Time Risk Intelligence, which provides predictive monitoring to detect fraud, anomalies, and compliance breaches before they escalate. The company's stated mission is financial inclusion — transforming compliance from a barrier into an enabler, and giving credit-invisible individuals and businesses fair access to financial services globally. The broader vision is to become a globally trusted FinTech partner delivering responsible, ethical AI for finance. As of the offering, the company is at the MVP stage. The core architecture for the Global Credit Passport has been designed and validated. Strategic relationships with credit bureaus, open-banking API providers, and KYC/AML vendors are in discussion. Pilot conversations and proof-of-concept planning with financial institutions are underway. Current revenue comes from one-time enterprise integration and consulting fees. Planned revenue streams include tiered SaaS subscription licensing, API usage fees, and future marketplace data services. The business model is designed for recurring revenue, high scalability (modules replicate at low incremental cost), and deep customer stickiness due to the mission-critical nature of compliance and credit integrations. The company cites regulatory tightening (AML, GDPR, Basel IV), global migration trends (280M+ migrants needing portable credit history), and accelerating AI adoption in banking as key market tailwinds. The team currently centers on the founder/CEO. The company has raised $6,014 on Netcapital at a $9.9M pre-money valuation, with a maximum raise target of $1.1M. If the maximum is raised, the implied post-money valuation would be $11M. Proceeds are planned to be allocated as follows: 50% to product and engineering, 25% to compliance and integrations, 10% to sales and growth, ~10% to operations and legal, and ~5% to intermediary fees. Financial statements have been reviewed by an independent CPA.

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