The first dedicated lifestyle banking app for millennials

Guac (New World Savings, Inc.)

Now Accepting Investors

**Limited availability

Offering Type

Regulation CF

Price per share



$5.3 million

“This Tiny Fintech Could Transform The Way
83 Million Americans Bank”

“This Tiny Fintech Could Transform The Way 83 Million Americans Bank”

  • 62% of millennials struggle to save, often going into debt to pay for vacations and experiences.
  • Guac’s new lifestyle banking app combines advanced micro-savings technology with a built-in “experience marketplace” for users to book travel, events, and more… all in one place.
  • It’s transforming how the biggest generation this planet has ever seen saves — and it could disrupt the banking industry as we know it, making the traditional savings account obsolete.

This your opportunity to get in early on an app that could potentially transform the way millennials bank
...and you can do so for as little as $100!

The “Big Idea” In 60 Seconds

Millennials are the largest generation in today’s workforce, but many struggle to save money for the goals and experiences that are meaningful to them.

Unlike previous generations who were motivated to save up for “retirement” and build long term wealth, the Millennials want to enjoy life right now. However, most financial institutions aren’t prepared to serve this new type of customer and their changing needs.

In fact, more than one-third of all Millennials choose non-traditional career paths, which can include multiple jobs, contract work, or “side hustles.”

This means they typically have a less-than-stable income stream and no easy access to the types of traditional “savings plans” their parents benefited from.

To make things more challenging, they’re also forced to contend with a high cost of living, staggering student-loan debt, and an annual salary that’s an estimated 20% less than their parents earned at their same age.

But that doesn’t mean Millennials aren’t motivated to save their money — they’re simply driven by different goals.

That’s why this massive generational cohort needs a solution that can help them get the short-term gratification they want, all while developing the valuable habit of setting — and achieving — meaningful monetary targets.

The secret to solving this puzzle?

According to the founders of Guac, the answer could be as simple as getting Millennials to “save as they spend”.

You see, unlike other FinTech companies that have “round up” savings features (which aren’t controllable by the user)…

Guac uses a percentage-based “save while you spend” technology to help users set meaningful financial goals, track and measure their progress, and save money on purchases through an in-app marketplace.

Today, you have the opportunity to be an early investor in this “lifestyle banking app” that could potentially disrupt two of the world’s most lucrative industries: Finance and Travel.

3 Reasons To Consider Investing Today:

  • REASON #1: The Company Is Backed By Some Of The Top FinTech Talent In The Industry.

Four of them were part of the team that helped build micro-savings app Acorns into an $860 million success. They see so much potential in Guac, they’ve decided to join the management team, and have even made a strategic investment in the company.

  • Reason #2: They’re Acquiring New Users At Industry-Low Costs

According to Guac’s team, they are acquiring new users at an industry-low cost of $14 per completed registration. This means they have a serious competitive advantage when it comes to arguably the hardest part of achieving massive scale.

  • Reason #3: The user data could be a goldmine for a potential acquirer 

But the most exciting part of this opportunity is this: How valuable Guac’s user data could be to a potential acquirer.

Guac knows what each user is saving for… how much they’re saving… and when they want to buy it. Not only that, but users can also buy those items through in-app purchases. This means any brand looking to get access to the “Holy Grail” of next-generation customers could get it through Guac’s unique save-and-spend ecosystem.

Invest In The First Lifestyle Banking App

For Short-Term Savings Goals & Life Experiences

Invest In The First lifestyle banking app for short-Term savings Goals & Life Experiences

The millennial market is a trillion-dollar opportunity…
and Guac is capitalizing on it.

Millennials represent the largest generation in US history — a staggering 83 million people. By 2025, they’ll represent 75% of the workforce and own the largest share of personal income… a whopping $8.3 trillion.

Millennials also save (and spend) differently than previous generations. They are more about the “experience economy”, and place a higher value on travel and experiences than their elders. Why? Because millennials see these items as a way of building their social currency, a top priority in the age of social media.

In fact, 47% of millennials say they would rather save for travel than for buying a house. That means more than 35 million Americans are looking to experience the “now” rather than the “later”. What’s more, a survey by the AICPA shows that over 75% of millennials want the same clothes, cars, and gadgets as their friends, and they are willing to go into debt with these purchases.

The willingness to make these purchases on credit highlights the need for a short-term savings solution. And while new micro-savings apps like Acorns are great for retirement-style savings, they aren’t designed to meet quick objectives. Guac is.

Millennials struggle to save, often going into debt to pay for vacations & experiences.

0 %
Of millennials live paycheck to paycheck
0 %
Of millennials had ZERO savings in 2017
0 %
Of millennials plan on traveling at least 1-3 times a year

Guac Helps Millennials Save Money Faster

Guac helps millennials save for short-term goals like traveling, concerts, events, and other life experiences — anything the younger generation values.

It uses advanced micro-savings technology to help users literally “save while they spend” and is fully-customizable. All a user has to do is link Guac with their checking account, set a percentage to save (say 5%), and go about their daily life.

Every time they spend, the set percentage of money is automatically transferred from a user’s checking account to their Guac savings fund. Pay $30 for gas, $1.50 is transferred. $125 on groceries, $5.25 is saved.

This compares to other apps that typically use a “round-up” feature as their savings tool. This method offers little control over how much is saved, and only saves pennies at a time, making it almost impossible to reach a short-term goal.

Guac is a better solution because it helps its users meet their short-term savings goals faster, and with more freedom. Plus, it does so with no fees and with other added benefits — two major factors in a millennials banking decision. According to a survey done by fintech company Kasasa…

  • 83% of millennials said they would switch banks to receive better rewards
  • 93% of millennials said no-fee banking was a priority.

Guac is the only free micro-savings app with absolutely no subscription fees, no sign-up fees, and no monthly fees. Guac also offers users extra benefits usually reserved for luxury credit card holders such as an exclusive in-app marketplace.

And in fact, this in-app marketplace is the driving force behind Guac’s potential upside…

The Guac Marketplace: The “Secret Sauce” That Elevates User Experience

Guac’s marketplace enables users to pay for goals like travel directly from their Guac savings fund without having to leave the app or make a transfer. The seamless save-and-purchase process increases convenience relative to other micro-savings apps. Users also receive discounts on retail pricing, further incentivizing marketplace usage.

Guac is partnering with online travel agencies, concert/event providers, fashion, and tech companies to provide services in the app. Several major brands have already signed on, and discussions are ongoing with many more.

Potential Partnership Opportunities:

That’s not all…

Guac also rewards users with “cashback” on every purchase made in its Marketplace.

Cashback apps like Rakuten and Ibotta are hugely successful. But Guac takes the cashback experience to the next level.

Now when a user books an experience in the Guac marketplace, a certain percentage of that experience is deposited back into their Guac account, giving them an immediate boost to their savings for a future purchase.

The circular process reinforces Guac as an integral part of a millennial’s save-and-spend lifestyle. It will help improve user retention, loyalty and stickiness — all important factors for the long-term growth of the company.

Guac’s Advantages Over A Traditional Savings Account

Typical bank savings account

All deposits are also backed by the FDIC. This means every Guac customer benefits from the same regulatory safety they would have with any savings account they’d normally open at a traditional financial institution.

With Guac, there’s little reason to ever open a traditional savings account again… and the implications of that could be tremendous.

No Fees? How Does Guac Make Money?

Guac generates revenue from the benefits it gives its users. It receives a commission on each purchase and booking made through the in-app marketplace, and is in a power position to negotiate favorable rates with its partners.

You see, Guac captures and provides its partners with the most targeted millennial audience possible — it knows what a user is saving for, the amount they’re saving, and when they want to buy it. This is extremely valuable information and enables Guac to extract more revenue from its vendors.

Additionally, Guac also generates income from the interest it earns on deposits. The more users it acquires and deposits it holds, the more interest revenue it earns. Guac also charges a fee every time a user transfers money from its Guac savings fund to their checking account.

How Guac Makes Money:

  • Up to 20% commissions on all purchases/bookings made via the Guac Marketplace
  • 1.5% interest on all deposits
  • $0.99 for users to transfer funds back to their checking account. An additional $0.99 is charged to bypass the standard bank billing cycle of 3 days to have funds available with 24 hours

Guac Delivers Undeniable Value And Its Users Are Raving About It

Guac delivers undeniable value and benefits to their users at NO COST to them. This radical way of thinking has resulted in mass adoption and product evangelists – just look at what their members are saying:

These testimonials emphasize Guac’s early success in the market. But the team behind Guac is no stranger to success. In fact, a number of them have the impressive pedigree of being a part of the original team that built Acorns.

A Track Record Of Success (And Making Shareholders Money)

Founded in 2012, Acorns is a hugely successful micro-savings app that rounds-up a user’s change and invests those funds in $5 increments.

The company targets long-term savers and is one of the fastest growing fintech’s in the world, with a userbase exceeding 4.5 million users.

Last year, Acorns was valued at $860 million. Forbes also named the company to its exclusive list of fastest-growing venture-backed companies, calling it the next billion-dollar startup.

Acorns Statistics:
4.5 Million Users
$1 Billion Saved By Users
$860 Million Valuation

Now, four of the men who helped build Acorns into the next unicorn have joined Guacand they’re looking to repeat that success.

Some Of The Key Acorns Team Members That Were instrumental in Building acorns into an $860 million company Are now with guac

Rich Ingrassia

  • Rich was a key part of the original Acorns team. He helped develop the company’s first financial models and was paramount in its initial capital raises. He is also the Founder and Managing Partner of Wheelhouse Digital Studios, a venture capital & private equity firm.

    Rich has joined Guac’s Board of Directors and will play an active role as the company’s Strategic Finance Advisor. He brings 23 years of startup and early growth experience to Guac as well as a track record of fintech success with Acorns.

Mike Paley, Scott Paley & Sami Khan

  • Mike, Scott & Sami were instrumental in the growth of Acorns and Honey (which was just sold to PayPal for $4B) and are Co-Founders of Staircase Digital, a growth marketing firm for Seed-stage to Series-B start-ups.

    They see the potential upside in Guac and have made a strategic investment in the company to become shareholders. They also plan to work closely with Guac’s management team and bring their user acquitision expertise to help the company grow.

Thanks in part to these four men, early shareholders in Acorns multiplied their investments many times over. Now they’re looking to repeat that success with Guac — and you have the oportunity to join them.

Guac’s Rapid Growth Means Investors Are Getting More Value Everyday

With the experience learned at Acorns, Guac’s team has deployed a successful growth marketing campaign resulting in some of the lowest acquisition costs in the industry.

Guac is also working with leading social media influencers that collectively have 75 million+ followers to drive further growth. These influencers have a major impact on the millennial market and will play a key role in helping Guac “go viral”.

Every user adds value to the company and your investment. At its latest financing, Acorns had 4.5 million users and was valued at $860 million. That places a value of $191 on each user of the app.

With Guac adding more users daily — and acquiring them for as low as $14 — the potential value building inside the company for shareholders who get in today is exciting.

  • Current Users: 13,540 (as of May 2020)
  • Current Qtr Users Added: 3,952
  • Qtr-Over-Qtr Growth Rate: 41.2%
  • Current Amount Saved: $345,000
  • User Acquisition Cost: $14 avg.
  • Industry Avg Cost: $50-$100

guac has an industry-best user acquisition cost of $14. But The potential value of each user could be as high as $191… 13-Times More than the cost to acquire. 

Do you see the opportunity?

Major Disruption Potential Could Mean An Advantage For Early Investors

Guac has the potential to disrupt not one… but two of the most lucrative industries on the planet, and that could have a major impact on how quickly Guac’s value rises.


In a 2019 report, traditional banks cite the number one concern is deposit drain.

Every dollar deposited with Guac is one that is sucked from another financial institution. This opens a new, never-before-seen drain on bank deposits and poses a long-term threat to traditional brick-and-mortar banks.

On top of that, Millennials are an increasingly high value target as the banks become aware of the $30 TRILLION intergenerational transfer of wealth expected over the next 10 years. The lifestyle data and purchase intent information Guac receives on every user is highly coveted.


Airlines, hotels & hospitality companies are paying commission rates of up to 25% to third parties like Expedia and Travelocity (which struggle to capture the valuable Millennial audience).

Guac will steal market share from large travel portals by charging vendors lower commission and providing them with the highly coveted Millennial audience they desire.

Why Guac Is A Prime Takeover Target In A Red Hot Fintech Market

Fintech’s are experiencing acquisition activity at unprecedented rates. Last year set a record as the largest ever in terms of deal count AND dollar volume. And despite a coronavirus slowdown, activity in the fintech space is expected to continue to be strong.

In fact, the Fintech Times calls data “the most valuable commodity of 2020” — and that’s great news for Guac investors…

You see, Guac knows what a user is saving for. How much they’re saving. And when they want to buy it.

This is valuable data.

Plus, Guac’s micro-savings tool receives data on every transaction that goes through a user’s attached checking account, including vendor, amount, and date. To big data companies, this information is as good as gold.

Fintech Companies Are Getting Snatched-up For Billions:

  • Fidelity National Information Services acquires Worldpay for $35 billion
  • Intuit acquires Credit Karma for $7.1 billion 
  • Visa acquires Plaid for $5.3 billion 
  • Thoma Bravo acquired Ellie Mae for $3.7 billion 
  • Mastercard buys real-time payments unit from Nets Groups for $3.2 billion 
  • BlackRock acquired eFront for $1.3 billion
  • PayPal acquired Honey for $4 billion

Banks Waking Up to Fintech Threat Throw Billions Into Digital

“For a while, the world’s banking giants largely ignored them. Now they’re starting to feel the heat—and fighting back with the most formidable weapon in their arsenals: cash.”

But that’s not all. Guac has the potential to shake the foundations of trillion-dollar industries. Remember…

Guac Believes It has the makings of a takeover target...

and you have the opportunity to Get In for as little as $100.

Innovation And Success Could Emerge From Crisis

Some of the world’s most Successful tech companies were founded in the wake of the 2008 financial crisis.

Guac understands that hardships triggered by a global crisis often last for years. But it also believes ingenuity driven by the necessities of coping with (and surviving) a crisis could give birth to an economy that’s more robust and successful than anything in the past.

Think back to the 2008 financial crisis. Dozens of billion-dollar-plus companies were born in its wake, making fabulous wealth for visionary investors who saw and moved quickly to support potential in companies that no one yet knew.

Companies like Instagram, WhatsApp, Uber, Airbnb, Pinterest, Groupon, and many others emerged from the hard times of that financial crisis.

(Based on data compiled from CBInsights, Pitchbook, and Crunchbase)

And these disruptors weren’t just lucrative for shareholders in the long-term… The value of these companies spiked early, often within months of the initial seed/angel round raises. Here’s the valuation trajectory during early financings…

(Based on data compiled from CBInsights, Pitchbook, and Crunchbase)

  • Uber saw its valuation multiply 963-fold in less than 3 years after its Seed Round.
  • AirBnB seed-round investors saw their investment appreciate 900-fold in 3.5 years.
  • Pinterest early investors multiplied their investment 790-times over.
  • And, Instagram was bought by Facebook for $1 billion just 2.5 years after its seed-round (a 500-fold win for early investors).

The average valuation of these disruptors went from under $5 million to over $2 BILLION in only three years.

More Key Members Of The Guac Team

It’s not just Acorns alumni backing Guac. The company is stacked with top-notch professionals that have built and sold companies before.

Scott Armstrong – Founder + President

  • Business executive with over 30 years experience building and scaling companies
  • Been a key part of several successful exits including founding and selling the Axis Eye Institute, and serving as Business Manager for WaveTec, which was sold to a Novartis for $350 million.
  • Scott is also a former Chief Operating Officer of Monolith Capital.

Ryan Armstrong – Co-Founder + Vice President

  • Business executive/entrepreneur with 10+ years in consulting, specializing in Sales & Marketing with a focus on social media & growth market

Rich Ingrassia – Director + Strategic Finance

  • Rich brings 23 years of startup and early growth experience to Guac as well as a track record of fintech success with Acorns.
  • He’s a former senior analyst at Roth Capital and has advised institutional money managers on portfolio decisions for funds of $50 million to $50 billion.
  • Rich is also Founder and Managing Partner of Wheelhouse Digital Studios, a venture capital & private equity firm.

Thomas Marquart – Digital Marketing Lead

  • Thomas has over 10 years of marketing expertise and a unique and progressive understanding of today’s social media climate. He has cultivated a powerful network of social media and digital marketing professionals and is bringing these relationships to Guac.
John Yuzdepski – Product Development Consultant
  • John is Co-Founder of RITECH, a design and development company that’s worked with Microsoft, Discovery Master and ROVR.
  • He brings years of experience in Senior VP roles in technology and product development, and also co-founded a platform engineering company in the intelligence and national security sector.

Investment Documents, Risks & Disclosures

An investment in the Company involves a high degree of risk. You should carefully consider the risks described above and those below before deciding to purchase any securities in this offering. If any of these risks actually occurs, our business, financial condition or results of operations may suffer. As a result, you could lose part or all of your investment.


A crowdfunding investment involves risk. You should not invest any funds in this offering unless you can afford to lose your entire investment.

In making an investment decision, investors must rely on their own examination of the issuer and the terms of the offering, including the merits and risks involved. These securities have not been recommended or approved by any federal or state securities commission or regulatory authority. Furthermore, these authorities have not passed upon the accuracy or adequacy of this document.

The U.S. Securities and Exchange Commission does not pass upon the merits of any securities offered or the terms of the offering, nor does it pass upon the accuracy or completeness of any offering document or literature.

These securities are offered under an exemption from registration; however, the U.S. Securities and Exchange Commission has not made an independent determination that these securities are exempt from registration.

  1. Discuss the material factors that make an investment in the issuer speculative or risky:


An investment in the Company involves a high degree of risk. You should carefully consider the risks described above and those below before deciding to purchase any securities in this offering. If any of these risks actually occurs, our business, financial condition or results of operations may suffer. As a result, you could lose part or all of your investment.

Risks Related to the Company

Our business, results of operations, and financial condition may be impacted by the recent coronavirus (COVID-19) outbreak.

With respect to the ongoing and evolving coronavirus (COVID-19) outbreak, which was designated as a pandemic by the World Health Organization on March 11, 2020, the outbreak has caused substantial disruption in international and U.S. economies and markets. The outbreak has potential to have an adverse impact on the fintech industry and, if repercussions of the outbreak are prolonged, could have a significant adverse impact on our business, which could be material. Our management cannot at this point estimate the impact of the outbreak on its business and no provision for this outbreak is reflected in the accompanying financial statements.

We are an early stage company, with limited operating history.

We are a startup company. We were formed as a corporation in California on August 21, 2017. We have a limited operating history with which you can evaluate our business and prospects. Our prospects must be considered in light of the risks encountered by companies in the early stages of development in highly competitive markets, particularly the markets for financial technology, or fintech, companies, software and mobile applications. You should consider the frequency with which early-stage businesses encounter unforeseen expenses, difficulties, complications, delays and other adverse factors. These risks are described in more detail below.

We have a history of losses. If we do not become profitable or maintain profitability in the future, we may not be able to continue to operate.

We have not been profitable in the past. We have not generated any significant revenues to date. Before we are able to generate any material level of revenues, we will incur significant additional losses. We expect to substantially increase our sales and marketing, research and development and general and administrative expenses. As a result, we will need to generate significant revenues to achieve and maintain profitability in the future. We cannot assure you that we will achieve profitable operations or maintain them if achieved. Failure to achieve or maintain profitability will materially and adversely affect our business.

Our app is based on new technologies and is subject to the risks of failure inherent in the development of a new product.

Because our app is based on new technologies, it is subject to risks of failure that are particular to new technologies, including the possibility that:

  • our new approach will not result in a product that gains market acceptance;
  • our app and the technology powering it may unfavorably interact with other types of commonly used applications and services, thus restricting the circumstances in which it may be used;
  • proprietary rights of third parties may preclude us from marketing our app; or
  • third parties may market a superior product.


As a result, our activities may not result in a commercially viable product and our sales, revenue and financial condition would be materially adversely affected.

If we are unable to maintain a good relationship with the markets where our app is distributed, our business will suffer.

Apple’s “App Store” and Google’s “Google Play” will be the primary distribution, marketing, and promotional platforms for our app. Our app and related service is only made available through these platforms and any deterioration in our relationship with Apple or Google would harm our business and adversely affect the value of our stock.

We are subject to Apple’s and Google’s standard terms and conditions for application developers, which govern the promotion, distribution and operation of apps on their platforms.

Our business would be harmed if:

  • Apple or Google discontinues or limits access to its platform by us and other app developers;
  • Apple or Google modifies its terms of service or other policies, including fees charged to, or other restrictions on, us or other application developers, or Apple or Google changes how the personal information of its users is made available to application developers on their respective platforms or shared by users;
  • Apple or Google establishes more favorable relationships with one or more of our competitors; or
  • Apple or Google develops its own competitive offerings.


We could benefit from Apple and Google’s strong brand recognition and large user base. If Apple or Google loses its market position or otherwise falls out of favor with users, we would need to identify alternative channels for marketing, promoting and distributing our app, which would consume substantial resources and may not be effective. In addition, Apple and Google have broad discretion to change their terms of service and other policies with respect to us and other developers, and those changes may be unfavorable to us. Any such changes in the future could significantly alter how our app users experience our app or interact within our app, which may harm our business.

Major network failures could have an adverse effect on our business.

Our technology infrastructure is critical to the performance of our app and customer satisfaction. Our app runs on a complex distributed system, or what is commonly known as cloud computing. We own, operate and maintain the primary elements of this system, but third parties that we do not control and which would require significant time to replace operate some elements of this system. We expect this dependence on third parties to continue. Major equipment failures, natural disasters, including severe weather, terrorist acts, acts of war, cyber attacks or other breaches of network or information technology security that affect third-party networks, communications switches, routers, microwave links, cell sites or other third-party equipment on which we rely, could cause major network failures and/or unusually high network traffic demands that could have a material adverse effect on our operations or our ability to provide service to our customers. These events could disrupt our operations, require significant resources to resolve, result in a loss of customers or impair our ability to attract new customers, which in turn could have a material adverse effect on our business, prospects, results of operations and financial condition.

If we experience significant service interruptions, which could require significant resources to resolve, it could result in a loss of customers or impair our ability to attract new customers, which in turn could have a material adverse effect on our business, prospects, results of operations and financial condition.

In addition, with the growth of wireless data services, enterprise data interfaces and Internet-based or Internet Protocol-enabled applications, wireless networks and devices are exposed to a greater degree to third-party data or applications over which we have less direct control. As a result, the network infrastructure and information systems on which we rely, as well as our customers’ wireless devices, may be subject to a wider array of potential security risks, including viruses and other types of computer-based attacks, which could cause lapses in our service or adversely affect the ability of our customers to access our service. Such lapses could have a material adverse effect on our business, prospects, results of operations and financial condition.

If our proposed technologies are not accepted by the market our business prospects will suffer.

To support our business plan, we must develop technologies, develop strong brands and make significant capital investments. Should we invest in or design technologies that are not accepted in the marketplace, or if our technologies are not brought to the market in a timely manner, this could materially and adversely impact our company.

There is no assurance that there is a market for our technologies, the size of the market, or the market’s acceptance of our applications. Sales outcomes are based upon a variety of factors which cannot be assured. If we fail to successfully develop and commercialize our applications, or if the applications are not accepted by the market, our business prospects will suffer.

Our business model is dependent on user growth and developing strategic partnerships to fuel user growth. If we are not successful in developing these partnerships our business plan will fail and our financial condition, operations and prospects will be adversely affected.

We depend on establishing and maintaining licensing, co-brand and revenue sharing relationships with high-traffic web sites and other technology providers. Increasing the number of these relationships is a key element of our strategic plan. Our business could be adversely affected if we do not establish and maintain additional strategic relationships on commercially reasonable terms or if any of our strategic relationships do not result in increased use of our web sites or additional revenues.

We currently have only nominal verbal commitments from strategic partners that could engage in our marketplace or on whose platform or application we can engage. If we are not able to convert these verbal commitments into binding agreements and expand the number of such agreements, we may have significant difficulty in expanding our user base. Failure to expand our user base would result in our inability to generate any significant level of revenues and our financial condition, operations and prospects would be materially adversely affected. Accordingly, there is no guarantee that we will generate any material level of revenues from advertising or through strategic partnerships.

Defects in our app and the technology powering our technological platform may adversely affect our business.

Tools, code, subroutines and processes contained within our app may contain defects when introduced and also when updates and new versions are released. If our app or an update to our app contains defects or quality problems, we may become subject to adverse publicity, reduced use of our app, product redevelopment costs, loss of or delay in market acceptance of our product or claims by customers or others against us. Such problems or claims may have a material and adverse effect on our business, prospects, financial condition and results of operations.

If third parties claim that we infringe their intellectual property, it may result in costly litigation.

We cannot assure you that third parties will not claim that our current or future products or services infringe their intellectual property rights. Any such claims, with or without merit, could cause costly litigation that could consume significant management time. Such claims also might require us to enter into royalty or license agreements. If required, we may not be able to obtain such royalty or license agreements, or obtain them on terms acceptable to us.

Failure to comply with federal and state privacy laws and regulations, or the expansion of current or the enactment of new privacy laws or regulations, could adversely affect our business.

A variety of federal and state laws and regulations govern the collection, use, retention, sharing and security of consumer data. The existing privacy-related laws and regulations are evolving and subject to potentially differing interpretations. In addition, various federal, state and foreign legislative and regulatory bodies may expand current or enact new laws regarding privacy matters. For example, recently there have been Congressional hearings and increased attention to the capture and use of location-based information relating to users of smartphones and other devices. Several Internet companies have incurred penalties for failing to abide by the representations made in their privacy policies and practices. In addition, several states have adopted legislation that requires businesses to implement and maintain reasonable security procedures and practices to protect sensitive personal information and to provide notice to consumers in the event of a security breach. Any failure, or perceived failure, by us to comply with our posted privacy policies or with any data-related consent orders, Federal Trade Commission requirements or orders or other federal, state or international privacy or consumer protection-related laws, regulations or industry self-regulatory principles could result in claims, proceedings or actions against us by governmental entities or others or other liabilities, which could adversely affect our business. In addition, a failure or perceived failure to comply with industry standards or with our own privacy policies and practices could adversely affect our business. Federal and state governmental authorities continue to evaluate the privacy implications inherent in the use of third-party web “cookies” for behavioral advertising. The regulation of these cookies and other current online advertising practices could adversely affect our business.

We face severe competition from other technology companies that provide event driven micro saving applications to consumers and if we cannot compete effectively our business and financial condition will suffer.

We face, and will continue to face, intense competition from technology companies that provide event driven micro savings applications like our mobile application to consumers. Many of our competitors have substantially greater financial, technical, research, marketing, sales, service and other resources than us, and may develop processes or software applications that are superior to those of our company. The competitors may succeed in obtaining patent protection for their software applications before us. If our competitors develop software applications or technologies that are more effective than ours or that render our applications or technologies obsolete or noncompetitive, our business will suffer.

Our proposed technologies and other information services may become obsolete as a result of technological change and, if so, our financial condition and business will suffer.

Our future success will depend on our ability to maintain a competitive position with respect to technological advances. Our existing or prospective competitors may develop processes or applications that are more effective than ours or which may be more effective at implementing their technologies to develop commercial applications faster, which could in turn render our technology obsolete or noncompetitive.

In order for our business strategy to succeed we must retain qualified personnel. Our failure to do so will negatively affect our business growth and prospects.

Recruiting and retaining qualified professionals to develop applications, as well as sales, marketing and financial professionals, is critical to the future success of our. We intend to hire additional professionals. Competition for experienced personnel is intense, and the turnover rate can be high. Our failure to attract and retain professionals would prevent us, or hinder its ability to pursue, our business plan and grow our business.

Damage to our reputation could adversely impact our business.

Maintaining our reputation is critical to our ability to attract and retain customers and employees. If we fail to deal with, or appear to fail to deal with, various issues that may give rise to reputational risk, we could significantly harm our business prospects. These issues include, but are not limited to, dealing with legal and regulatory requirements, money-laundering, privacy, record keeping, sales practices, and the proper identification of the legal, reputational, credit, liquidity, and market risks inherent in the micro-savings programs that we offer to our customers. A failure to deliver appropriate standards of service and quality, or a failure or perceived failure to treat clients fairly, can result in customer dissatisfaction, litigation and heightened regulatory scrutiny, all of which can lead to lost revenue, higher operating costs and harm to our reputation. Further, negative publicity regarding us, whether or not true, may also harm our business.

We depend on certain key personnel, including our President, Scott Armstrong. The loss of any of these key personnel would have a material adverse impact on our business, financial condition and future prospects.

The success of our company is highly dependent upon certain key management, including our President, Scott Armstrong. The loss of the services of this employee could have a material adverse effect on our business, financial condition, and the results of its operations. There can be no assurance that this employee will remain with our company in the future due to circumstances either within or outside of their control. Further, we do not carry, and do not intend to carry, life insurance or key man insurance on its employees.

We may not be able to manage future growth effectively.

If our business plan is successful, we may experience significant growth in a short period of time and potential scaling issues. Should we grow rapidly, our financial, management and operating resources may not expand sufficiently to adequately manage our growth. If we are unable to manage our growth, our costs may increase disproportionately, our future revenues may stop growing or decline and we may face dissatisfied customers. Our failure to manage our growth may adversely impact our business and the value of your investment.

Our business model is not proven, and we may have to change our business model, which can result in delays in the execution of our business plan. If our business model is ultimately unsuccessful, our company’s financial condition and business will suffer materially.

Our business model and operating strategies are unproven. Additionally, the business model may place significant strain on our management, employees, and capital resources. Finally, we may modify and adapt our business model from time to time in material ways, including raising more or less capital and/or incurring more or less debt, depending upon a variety of factors, including without limitation, the amount of capital available to us, the failure and/or success of our company and the availability of management and technology.

Adverse publicity may negatively affect our business.

We are highly dependent upon consumers’ perception of our services. As a result, substantial negative publicity concerning our services or the services of other providers who are similar to us could lead to a loss of consumer confidence in our services and reduced sales and prices of our subscriptions. Any of these events could have a material adverse effect on our business, financial condition or result of operations.

Systems failures could significantly disrupt our business.

Our business depends on our ability to effectively provide financial markets information utilizing our technology platform. We also rely heavily on our communications and financial, accounting and other data processing systems, including systems we maintain and systems provided to us by third parties. We face operational risk arising from mistakes made in the delivery of this information. If any of these systems do not operate properly or are disabled, we could suffer financial loss, a disruption of our business, liability to clients, regulatory intervention and fines or reputational damage. Any failure or interruption of our systems, the systems of third parties that we rely upon or similar problems could have a material adverse effect on our future operating results.

Risks Related to the Company’s Securities and this Offering

Affiliates of our company, including officers, directors and existing stockholder of our company, may invest in this offering and their funds will be counted toward our achieving the minimum amount.

There is no restriction on our affiliates, including our officers, directors and existing stockholders, investing in the offering. As a result, it is possible that if we have raised some funds, but not reached the minimum amount, affiliates can contribute the balance so that there will be a closing. The minimum amount is typically intended to be a protection for investors and gives investors confidence that other investors, along with them, are sufficiently interested in the offering and our company and its prospects to make an investment of at least the minimum amount. By permitting affiliates to invest in the offering and make up any shortfall between what non-affiliate investors have invested and the minimum amount, this protection is largely eliminated. Investors should be aware that no funds other than their own and those of affiliates investing along with them, may be invested in this offering.

We intend to use some of the proceeds from the offering for unspecified working capital.

This means that we have ultimate discretion to use this portion of the proceeds as we see fit and have chosen not to set forth any specific uses for you to evaluate. The net proceeds from this offering will be used for the purposes, which our management deems to be in our best interests in order to address changed circumstances or opportunities. As a result of the foregoing, our success will be substantially dependent upon our discretion and judgment with respect to application and allocation of the net proceeds of this offering. We may choose to use the proceeds in a manner that you do not agree with and you will have no recourse. A use of proceeds that does not further our business and goals could harm our company and its operations and ultimately cause you to lose all or a portion of your investment.

We are not subject to Sarbanes-Oxley regulations and lack the financial controls and safeguards required of public companies.

We do not have the internal infrastructure necessary, and are not required, to complete an attestation about our financial controls that would be required under Section 404 of the Sarbanes-Oxley Act of 2002. There can be no assurance that there are no significant deficiencies or material weaknesses in the quality of our financial controls. We expect to incur additional expenses and diversion of management’s time if and when it becomes necessary to perform the system and process evaluation, testing and remediation required in order to comply with the management certification and auditor attestation requirements.

The securities being sold in this offering will not be freely tradable until one year from the initial purchase date. Although our securities may be tradable under federal securities law, state securities regulations may apply, and each investor should consult with his or her attorney.

You should be aware of the long-term nature of this investment. There is not now and likely will not be a public market for our securities. Because our securities have not been registered under the Securities Act or under the securities laws of any state or non-United States jurisdiction, our securities have transfer restrictions and cannot be resold in the United States except pursuant to Rule 501 of Regulation CF. It is not currently contemplated that registration under the Securities Act or other securities laws will be effected. Limitations on the transfer of the securities may also adversely affect the price that you might be able to obtain for our securities in a private sale. Investors should be aware of the long-term nature of their investment in the Company. Each investor in this offering will be required to represent that it is purchasing the securities for its own account, for investment purposes and not with a view to resale or distribution thereof.

Neither the offering nor the securities have been registered under federal or state securities laws, leading to an absence of certain regulation applicable to us.

No governmental agency has reviewed or passed upon this offering, our company or any Securities of our company. We also have relied on exemptions from securities registration requirements under applicable state securities laws. Investors, therefore, will not receive any of the benefits that such registration would otherwise provide. Prospective investors must therefore assess the adequacy of disclosure and the fairness of the terms of this offering on their own or in conjunction with their personal advisors.

No Guarantee of Return on Investment

There is no assurance that an investor will realize a return on its investment or that it will not lose its entire investment. For this reason, each investor should read the Form C and all Exhibits carefully and should consult with its own attorney and business advisor prior to making any investment decision.

A majority of our company is owned by a small number of owners.

Prior to the offering our officers, directors and those of our stockholders who own ten percent or more of our securities collectively own directly or indirectly approximately 90% of our company. Subject to any fiduciary duties owed to our other owners or investors under California law in the case of our officers and directors, these stockholders may be able to exercise significant influence over matters requiring owner approval, including the election of directors or managers and approval of significant company transactions, and will have significant control over our management and policies. These control persons may have interests that are different from yours. For example, they may support proposals and actions with which you may disagree. The concentration of ownership could delay or prevent a change in control of our company or otherwise discourage a potential acquirer from attempting to obtain control of the Company, which in turn could reduce the price potential investors are willing to pay for our company. In addition, this owner could use his voting influence to maintain the Company’s existing management, delay or prevent changes in control of our company, or support or reject other management and board proposals that are subject to owner approval.

We have the right to extend the offering deadline.

We may extend the offering deadline beyond what is currently stated herein. This means that your investment may continue to be held in escrow while we attempt to raise the minimum amount even after the offering deadline stated in this offering statement is reached. Your investment will not be accruing interest during this time and will simply be held until such time as the new offering deadline is reached without our company receiving the minimum amount, at which time committed funds will be returned without interest or deduction, or until we receive the minimum amount, at which time it will be released to us to be used as set forth herein. Upon or shortly after release of such funds to us, the securities will be issued and distributed to you.

Your ownership of the shares will be subject to dilution.

If we conduct subsequent offerings of securities, issue shares pursuant to a compensation or distribution reinvestment plan or otherwise issues additional shares, investors who purchase securities in this offering who do not participate in those other stock issuances will experience dilution in their percentage ownership of our company’s outstanding shares. Furthermore, shareholders may experience a dilution in the value of their underlying shares depending on the terms and pricing of any future share issuances (including the underlying shares being sold in this offering) and the value of the our assets at the time of issuance.

Management has discretion over proceeds of this offering.

We expect to use the net proceeds of this offering, over time, for general marketing and advertising, further software development and general corporate and working capital purposes. However, we have no current specific plans for the net proceeds of this offering other than as outlined in the use of proceeds section of this offering statement. As a result, our management will have the discretion to allocate the net proceeds to uses that investors may not deem desirable. There can be no assurance that the net proceeds can or will be invested to yield a significant return.

The securities will be equity interests in our company and will not constitute indebtedness.

The securities will rank junior to all existing and future indebtedness and other non-equity claims on our company with respect to assets available to satisfy claims on the Company, including in a liquidation of our company. Additionally, unlike indebtedness, for which principal and interest would customarily be payable on specified due dates, there will be no specified payments of dividends with respect to the securities and dividends are payable only if, when and as authorized and declared by us and depend on, among other matters, our historical and projected results of operations, liquidity, cash flows, capital levels, financial condition, debt service requirements and other cash needs, financing covenants, applicable state law, federal and state regulatory prohibitions and other restrictions and any other factors our board of directors deems relevant at the time. In addition, there is no limit on the amount of debt or other obligations we may incur in the future. Accordingly, we may incur substantial amounts of additional debt and other obligations that will rank senior to the securities, which are the most junior securities of our company.

There can be no assurance that we will ever provide liquidity to investors through either a sale of our company or a registration of the securities.

There can be no assurance that any form of merger, combination, or sale of our company will take place, or that any merger, combination, or sale would provide liquidity for investors. Furthermore, we may be unable to register the securities for resale by investors for legal, commercial, regulatory, market-related or other reasons. In the event that we are unable to effect a registration, investors could be unable to sell their securities unless an exemption from registration is available.

The offering price in this offering may not represent the value of our securities.

The price of the securities being sold in this offering has been determined based on a number of factors and does not necessarily bear any relationship to our book value, assets, operating results or any other established criteria of value. Prices for our securities may not be indicative of the fair market value of our securities now or in the future.


Communication Forum

  • Michaelangelo Moran

    Hi how are you? I watched the deal reveal and pitch deck from boardroom and thank you for the presentations. Your company is definitely interesting and I truly believe Fintech is the future, given the right product. I was part of a mobile app startup that grew immensely (it has one of the largest e-wallets in Indonesia) so I know CAC and I know about burn rate. Although the cash back seems amazing for the user, how is this paid? Will this be a cost of Guac or the affiliate companies like uber lyft etc. Another question is that it says potential partnerships and sportsman signups and investors, although you cannot reveal who has signed, can you give a number of how many has been signed? For investors and partnerships

    • Ryan

      Mikey, thanks for your questions. The cash back will be in deposited in the users Guac account to start the Guac saving eco-system again. The cash back dollars come from affiliate payments to Guac. We currently have a few NFL and other professional athlete investors. This number will be expanded in the coming days, months. We are aligned with the big 5 affiliate networks that give us access to all major brands. We have 20+ agreements to date. We are releasing a new and improved build in the next 10 days with Android compatibility.

      Mikey, per our earlier email exchange we can take OUS investments.

  • Michaelangelo Moran

    Other quick Qs… are you guys updating the app anytime soon? I was reading the App Store reviews and some are saying that they haven’t got a good experience? Its great to see the developer responses though, you are taking customer service seriously.

    I take it an android app is also in the making?

    How big is your team?

  • Michaelangelo Moran

    Last question… can people outside of the US invest? It seems when I put the country in Indonesia, it doesn’t allow me. It says “cannot be located outside the US”

  • Raymond Hooks

    Hi – is there a way that the ACH transactions can be completed quicker. Many millennials live paycheck to paycheck and forget that Guac will withdraw checking account money – perhaps 3+ days later. This results in overdrafts and fees for them. Since many millennials don’t manually balance a checkbook, is there anything that can minimize overdrafts?

    • Ryan

      Raymond, thanks for your question. We have not seen a large number of users with this overdraft issue, but we do understand that is a possibility. We are currently releasing an new build that will include very specific notifications informing users of money spent and the additional Guac savings that will come from ACH account.

  • Raymond Hooks

    Hi – Can you please elaborate on the comments you made earlier?

    1) Please discuss the upcoming software updates – to be released in about 10 days.
    2) Please discuss how partnerships with the big 5 affiliate networks with help the Guac Savings App.
    3) For the 20+ agreements, can you share in which industries? Also, if you can provide details on the agreements (i.e. how it will help Guac Savings App grow) then that’ll be great.

    Also, there is something else I’m curious about after reading the Form C.

    4) In your opinion, what are the three greatest risks to the business? What will Guac Savings App do to mitigate those risks?

    • Ryan

      Hi Raymond,
      1) A complete rebuild and new operating system. This will offer better functionality on both IOS and Android while allowing Guac to scale to multiple millions of users. Also a more aesthetically pleasing user experience.
      2) The affiliates on these networks have control of 90% of all retailers. These retail offerings will accessible through the the Guac marketplace.
      3) Current affiliates are, travel, autos, jewelry, clothing, athletics, technology. These categories grow daily. The affiliates pay Guac between 3% -20% commissions on Guac user purchases.
      Risks; CAC control, we are prepared with new social media agreements for cost containment. Funding, we have several firms that have asked for an opportunity to raise a series A round. Competition, we believe that our % savings model gives us a distinct advantage for short term savings. Most competitors model rely on a long term saving model. We also feel that there is plenty of users available for all fintech saving apps.

  • Eric Mitchell

    I am still unclear about the data mining aspect. Don’t you just have a dollar amount of purchase and a percentage to transfer? How are you able to see the purchase location or item?
    I think what sets you apart from other micro saving businesses other than Chime is that you are connected to a bank and deposits are insured.
    Is there talk to expand by being a complete bank and short term savings goal company?
    By having the banking deposit, debit card, and atm functions allows more of deposits to be on hand at the bank and your 1.5 percent take becomes larger than just off the savings function.

  • Ryan

    Hi Eric, a Guac user set his/her app with the saving objective, how much money they are trying to save, and when they need those funds. That is the first set of data. ( what, how much and when ).

    Then we see every transaction that goes that Guac users ACH account at there transactional bank. Where money was spent, how much money was spent and date of transaction. It has been suggested to us that insurance and financial institutions could use this in evaluating risk. There is a myriad of opportunities with the data we collect.

    We agree the FDIC insurance is a huge bonus and was certainly challenging to bring to our users. We also understand that the possibility of becoming a bank exists and we do have the ability currently to offer our users debit cards and we may take that step in the coming months.

  • Carl Morsbach

    How can I increase my investment?

  • Ryan

    Hello Carl, glad to hear you would like to increase your investment. I believe Jordan at Equifund has been in contact with you to execute your increase. If not please let me know and I will have Jordan reach out.

  • Menachem Segal

    This defiantly sounds great!! (For users & investors)
    My question is do investors profit if the company eventually gets acquisitionEd by a different company & does not go public with an IPO?
    ??appreciate your time & answer..

  • Ryan

    Hi Menachem, thanks for the question. Yes, when Guac is acquired you would profit on the difference between the price per share you bought in at and the price per share Guac is acquired at. Let me know if you have further questions.

  • Menachem Segal

    Thanks for the quick answer Ryan!
    I’m defiantly investing in this one..
    Quick question how would we cash out,
    Like they would send us a check for our equity or something like that?

  • Ryan

    Yes, you are correct. Your shares would be bought by the acquiring entity, most likely a wire transfer.

  • Menachem Segal

    Thanks again!
    How much is this round for? (Right now we’re at 700,000, what’s the closing amount where we won’t be able to invest in this round anymore)

  • Menachem Segal

    As well as will there be more crowd funding rounds in addition to this one in the future..?

    • Ryan

      Hi Menachem, we are raising the max CF amount of $1,070,000. Not sure if we will be utilizing CF on next round of finance at this point. We do have several investment groups that have shown interest in our next round of finance.

  • Anonymous

    Hi. What are your revenue goals for the next 5 years?

    • Ryan

      Hi Leonardo, our financial model forecasts profitability in the end of 2021, $1.65mm, 2022 $3.5mm. We anticipate exponential growth 2023 and beyond.

  • Jignesh Vavadiya

    What are your thoughts about adding AI/ML driven automatic withdrawal to Guac account based on the user’s income and spending habits without user intervention?

    • Ryan

      Hi Jignesh, thanks for the question and comments. At Guac we want our users to have complete control of there saving and spending tool. At this point we are not looking at an algorithm based withdrawal feature. What I will share in an upcoming build we will have an option to have user take a % of there paycheck and place into there Guac saving fund.


    can you talk about the competition?

    • Ryan

      Hi Ted, Guac is the first to market savings app w/ marketplace that gives our users cash back on all purchases. There certainly are other savings apps;

      Hello Digit, use an algorithm to randomly pull money from your ACH account and hold for you on there ledger. We don’t agree with this philosophy of zero user control.
      Qapital: uses a round up feature. Example, if you spend $1.82 you round up to $2.00 the .18 is sent to the users ledger account. They position their selves and fun savings.

    • Ryan

      Revenue, that makes us cash flow positive.

  • Anonymous

    Thanks for your reply. Just to clarify, you mentioned you expect to be profitable in 2021. Is 1.65M the projected profit or total revenue for 2021?

    • Ryan

      Leonardo, that is conservative revenue projection. It does get us cash flow positive.

  • Emanuel Galdes

    Am from Malta EU (European Union). Hope I will be accepted as an angel investor……..?????

    • Ryan

      Hi Emanuel, being OUS we have to bring you in using 506c documentation. Please send us your email address and we will send you documents for investment.

  • Emanuel Galdes

    Hi Ryan, Emanuel here from Malta. Sending you my email address is no sweat but could you please refer me to someone/somewhere I could do that, that would be less of a public place than here so that we get the 506c done and whatever else might need doing?

  • Sharath Ramesh

    Hi Ryan,
    Do you have federal banking charter or tied up with other banks to offer FDIC Insurance?
    Second, on your revenue stream you mentioned about 1.5% on deposit $ saved by customer, I’m not sure how you can achieve that due to 2 reasons interest rates are close to 0% and would stay there for at least next 2 years per FRB latest monetary policy review + users are savings for some future purchase so they definitely want some interest to be paid else will lead deposit attrition.

    Acorns is success because it has savings + long term investment yields attached.
    With Guac, you are just offering saving option and no yield on their savings, however, I agree from a data perspective and the platform would be huge success only if you are able to offer super lucrative deals savings and cash back which supercedes all others in market. Otherwise, once users have saved sufficient balance or meet savings goal they would pull out to purchase outside which makes $0 revenue for Guac.

    If you can aggregate all savings and take CD from Banks would create good revenue stream.


    • Ryan

      Hi Sharath, we get our FDIC insurance through our banking partner. Confirming we do get 1.5% interest per our banking agreement. We are embracing the short term savings that our target audience is looking for. You are correct that they could pull the funds and purchase elsewhere. We like our cash back incentive, we believe our users will save several times with Guac. I like your thought process on the CD.

  • Randeep Mangat

    Sorry, i am not a finance guy, so got little confused on the Calculations of GUAC funding.

    Right now, GUAC is raising $1 million at $0.5 per share (2m shares) at $5million valuation. But these shares are only 7% of the company (as per the valuation report).

    Imagine the company is sold at $100million.
    So, from present valuation ($5m) perspective, that’s a jump of 2000%.
    But since the current funding stock-holders constitute only 7%, we would get only $7m from that sale.
    So, $7m / 2m shares = $3.5 per share (for our shares).

    This means, while the company’s valuation increased by 2000%, our shares increase only by 700% (from $0.5 to $3.5)

    Am I doing it wrong?

    • Ryan

      Hi Randeep,

      Thanks so much for your interest in our company. I would like to clarify a couple items that may help resolve your question.

      The pre money valuation is $5,315,815 and we had 10,631,630 shares outstanding immediately prior to the offering. When you divide $5,315,815 by 10,631,630 you end up with the price per share of $0.50. If we sell the full $1,070,000 of shares being offered, we will have to issue 2,140,000 shares (2,140,000 *$0.5 = $1,070,000). Therefore, upon completion of the offering, we would have a total of 12,771,630 shares outstanding valued at $0.50 for a total post-money value of $6,385,815 (i.e., pre money ($5,315,815) + Amount Raised ($1,070,000)). Of the total 12,771,630 shares outstanding post offering, investors, in the aggregate, will own about 17% (2,140,000 shares) and the other shareholders will own the balance of about 83% (10,631,630 shares).

      In your hypothetical, you assume that the Company is later sold at $100 million. Of course, if there are other financings in between, both investors and existing stockholders (pre deal stockholders) would get diluted on a pro rata basis, but for sake of the example, let’s assume this Reg CF offering is the only offering that occurs and then the Company is sold for $100MM. If you take $100,000,000 and divide it by shares outstanding post offering (12,771,630) you get a new price per share of $7.83. So, the 2,140,000 shares sold in the offering would now have a value of $16,755,887.85 (i.e., 17% of $100MM (note that there is some rounding in the 17% number and that is why it is not $17MM) and the existing shareholders share (10,631,630) would have shares worth $83,244,112.15 for a total of $100MM.

      As you can see, the existing shareholders and the investors are treated exactly the same. Everyone would get diluted the same way if there are future sales of common stock and everyone would benefit from the increase in valuation the same way.

      I hope this answers your question.

  • Anonymous

    Newbie question: in the event of an acquisition do investors like me have to sell their shares as well or do we have the option to keep them?

  • Ryan

    Hi Leonardo,

    That would be up to the acquirer, but I would say normally you seel your share at the price per share of the acquisition.

  • Aryan Puri

    When are you guys accepting investments till ? or what is the goal of capital to raise?

    • Ryan

      Aryan, we are doing the max CF raise of $1,070,000. We anticipate that the offering will be filled by months end

  • Randeep Mangat

    Replying to Ryan’s above message:
    Ryan, thanks for the details. I got bit confused as in your valuation report green pie chart, you mentioned that total stake of founder # 1 is 55%, founder # 2 is 26%, wheelhouse fund 5%, convertible note 7% & class B 7%.

    Q1: Does this distribution in pie chart has anything to do with the share dilution query I asked earlier ? Or this % is simply the total allocation with respect to total allotted shares of 200 million?

    Q2: Where are we (common shareholders in Reg CF) fit in that pie chart, which category ?

  • Randeep Mangat

    Ryan, different question as a newbie:
    1: Can we, Reg CF shareholders, sell their share during Reg A+ offering ?

    2: Before IPO, if we have to sell our Reg CF shares, what are our options & how is price/valuation determined?

  • Roosevelt RossJr

    Is this an pre IPO stage in invest before it goes public on the stocks exchange. An do you have to wait a year to sell it shares from now until next year to get your returns.

    • Ryan

      Roosevelt, yes this is pre IPO. For clarification we are not absolutely sure that we will go IPO. Most times investors are not locked up in an IPO, its usually the Executive team that get a lock up put on them post IPO.

  • Ramprasad Jembu Ramakrishnan

    Recent app version is much better both in functionality and UX experience.
    Do you monitor only debit card for transactions or credit card also?

    • Ryan

      Hi Ramprasad,

      Thanks for the kind words on Guac 3.0, we agree. Currently we only monitor all ACH transactions, debit card and checking account transactions.

      You bring up a good point on credit cards and we are working diligently to come up with a solution.

  • Wayne Hendershot

    Hi I just wanted to clarify on one of the threads above. So in the hypothetical situation where the company sells for $100,000,000 and each share is worth $7.83, if someone owned 1000 shares (for the sake of easy math) they would be paid $7830 for their shares?

    • Ryan

      Hi Wayne, yes. In your scenario you are correct.

  • Tan Quan Nguyen

    Hi Ryan,

    Do you know when Guac app will be on the Android? I can’t wait to download on the android site.


    • Ryan

      Hi Tan, Guac is now available for Android on Google play. We are working on optimization in Google play, so you may have to search a bit at this point.

  • Travia Fenrick

    I am not sure I will be able to make an investment before this offering closes, please tell me Guac is going to have a Regulation A offering for investors???

    • Ryan

      Hi Travia, we do have plans for further financing rounds.

  • Roosevelt RossJr

    So if I purchased 500.00 shares for 0.50 that 1,000 shares and the company be acquisition or be sell for 1,hundred million what or how much will I profit.Or if the Company meet its target how much revenue will I get on Return of investment.

  • Roosevelt RossJr

    So if I purchased 500.00 shares for 0.50 that 1,000 shares and the company be acquisition or be sell for 1,hundred million what or how much will I profit

    • Ryan

      Hi Roosevelt, in your hypothetical example your price per share value would be $7.83 per share x 1000= $7,830.

  • Tan Quan Nguyen

    Hi Ryan,

    I have installed the Guac Android application, I have trying to create an account. After I have entered my phone and click on continue then I have the error mentioned below:

    “This app is not authorized to use firebased authentication. Please verifh that correct package name and SHA-1 are configured in the Firebase Console”

    Please let me know when this issue is solved.

    I can’t go further because of this issue.

    I have Samsung Note 10 with the latest Android OS.


    • Ryan

      Tan, thank you for your information. I have passed on to our development group for resolution.

  • Anonymous

    Will I receive common or preferred stock for my investment, as opposed to a Crowd Safe or convertible note arrangement?

    • Ryan

      Hi Craig, you will receive common stock which does have voting rights.

  • Anonymous

    Hi Ryan/Scott: Is this the “first” raise that Guac has conducted? If not, please provide the date(s), nature of funding, & amount of capital acquired for any/all prior raises.

    Thank you,


    • Ryan

      Hello Craig, we did a small friends and family raise in early 2019.

  • Michaelangelo Moran

    Hi Ryan Scott and team. I was one of the earlier investors of Guac during this raise. Thank you for accepting my investment even though im OUS. Usually with other platforms like Wefunder, there is an updates tab where investors receive updates from the company on how everything is going. With Guac, especially since you guys have a new app version, launch the marketplace, etc
    1) how are we as investors going to be receiving updates (perhaps new marketplace deals (you had 20+ from the last response i got, your new collaborations with sports leagues, etc)? Will there be quarterly reports?
    2) how are the app downloads, and feedback been from the new app version?

    • Ryan

      Hello Mikey, hope your well. We appreciate your early investment.

      1) We are discussing having an IR link on our website that would allow investors to create login. In this link we will provide quarterly updates.

      2) we are up to 50+ partners and adding more every day. October will be our best month ever for app downloads approximately 5K. The feedback from users has been outstanding with our new 3.2 build.

  • Jonathan Harshman

    Hi, Ryan, Scott, and team. Congrats on the progress so far. Do Guac customers / account holders receive any interest (out of the 1.5% Guac the company receives) on the amounts they save in their Guac account? If not, isn’t that a turnoff to millennial savers? How do you overcome that obstacle in your marketing to them? Thanks, and good luck!

  • Ryan

    Hello Jonathan, no our users do not receive interest. We wanted to keep Guac a free app with no monthly fee’s. Most if not all Fintech apps charge users a monthly fee. Our monetization strategy is to bring value to our users as apposed to charging them.

    * Free app
    * Cashback from marketplace purchases

  • Anonymous

    Hi. If Guac is linked to a checking account does it mean only debit card transactions will trigger the 5% transfers? Most people pay with credit cards rather than debit cards so when someone pays for their credit card bill will it also trigger the transfer since it’s an ACH transaction? What about checks?

  • Ryan

    Hello Leonardo, Guac is linked to your ACH account ( debit card, checks, EFT) any money that moves from your attached account. Yes when you pay your CC bill also.

  • Eric Mitchell

    How many users did you have for this ending third quarter?
    Thank you in advance.

  • Ryan

    Hello Eric, approximately 17,500

  • Anonymous

    Your total raised has been stuck on 916K for a while but it doesn’t say it’s oversubscribed. Isn’t the max 1.07M?

  • Roosevelt RossJr

    When will I see return investment the first next year or quarterly and will the company be bought out again for everyone to see an early gain in return investment

    • Ryan

      Hello Roosevelt, Our leadership team is committed to building shareholder value. With that being said, we are currently focused on building our user base and app. We are not actively seeking to be acquired at this point. We do feel strongly that those opportunities do and will exist.

  • William Kissinger

    I have been strongly considering investing in your company for well over a month now, but I have become a bit uncomfortable with the issue that Leonardo pointed out: your total $ raised and number of investors have been stuck at 916K and 667, respectively, for quite some time. I also noticed that nobody from the Guac team has responded to forum questions since the end of October. Is there are specific reason for the investment numbers stalling or the lack of responses? I am just curious. I look forward to your response!

    • Ryan

      Hello Guac Investors!

      Thanks to your support, and the significant demand for our Reg CF offering, we’ve worked with our legal counsel to launch a concurrent offering of securities under Rule 506(c) of Regulation D. As a result, we now have additional availability in our Reg CF offering. We will update the investment commitment number on the offering page to reflect these investments shortly. We appreciate your trust and support as we track to max out our offering in the next few weeks.

  • Anonymous

    Can you please address my concern with the current raise? Why is it stuck at the same numbers if it’s not oversubscribed yet? Is there a problem with the campaign?

  • Ryan

    Hello Guac Investors!

    Thanks to your support, and the significant demand for our Reg CF offering, we’ve worked with our legal counsel to launch a concurrent offering of securities under Rule 506(c) of Regulation D. As a result, we now have additional availability in our Reg CF offering. We will update the investment commitment number on the offering page to reflect these investments shortly. We appreciate your trust and support as we track to max out our offering in the next few weeks.

  • Mike Mathioudakis

    I have invested in many other similar offerings and I must say that most of the other companies are much better in terms of providing updates to their investors. I think providing regular updates for investors, whether through the website or through this Q&A, it’s VERY important so you can keep us updated. In addition to keeping us informed, this could lead to investors upping their initial investments. As an example, I’m now increasing my investment in a company through another platform due to their excellent communication and the progress they’re making. Current investors should be one of your best sources of new and additional capital. Thanks.

  • Ryan

    Hi Mike, we appreciate your comments and agree. We are looking at finding the best way to inform our current and potential investors of our progress which has been significant since we launched our CF round through Equifund. See below:

    Guac KPI’s 12/1/20

    Current Users 26,055
    Users at CF Offering 13,540

    Growth Sine CF Offering 12,515

    Current Amount Saved $1,051,350
    Amount Saved at CF Offering $345,000

    Growth Since CF Offering $706,350

    Marketplace Sales/Revenue $13,434
    Marketplace Sales/Revenue at CF Offering $0

    Growth Since CF Offering $13,434

  • Larry Jakubec

    Can i invest if i am a resident of Canada?
    if so, what is the process?

    • Ryan

      Hi Larry, yes.

      We have set up a 506c offering that you can use. You must be an accredited investor. If interested send a note to [email protected]

  • Tom Stangel

    In the above example of the future value of the $0.50 share price ($7.83 on a $100 million sales price), how realistic it the $100 million example price? Of course there are numerous factors that come in to play, like the offer itself, but as the owner/developers, can you divulge the kind of offer the Company has in mind? Would $50 or $150 million be more realistic? If I was to, and believe me I cannot, approach the Company with a $25 million dollar offer would that even be considered? I guess to use an eBay term, is there a “reserve” offer for the Company? Don’t get me wrong, a 15x ROI would be fantastic and I understand it’s possible that there will be no return (which I personally doubt or I wouldn’t be investing), but I’m just curious if a “fire sale” ROI of 2x is possible or if the business plan is to hold out for a minimum 5x, 10x, 20x, etc. investment return. Thank you in advance.

  • Ryan

    Hello Tom, thanks for reaching out.

    The response to your question involves significant speculation and we do not feel comfortable providing a response as so many factors would go into what our potential exit valuation could be. We believe each investor should review our Form C offering statement and the other information we provide on the Equifund website, including the related risk factors, and make their own determination about a future exit valuation.

  • Lewis Kowena

    Mr. Armstrong,
    Hello sir. This is my first investment ever so I do hope all goes well as I’m sure we all do. I was only able to invest the bare minimum, so I’m sure it’s not much help in this endeavor, but a lower income family can dream.
    I just wanted to wish your company good luck and hopefully if you guys get acquired one day then hopefully you all can remember the little guys and hold out for as much as possible. I’m thinking in the billions. Good luck guys- shoot for the stars.

  • Ryan

    Hi Lewis, appreciate your support.

    Our objective is to increase shareholder value and ultimately be acquired at high multiple.

  • Lewis Kowena

    I’m a recent investor and was just wondering what is the best way to stay informed in the recent Equifund Crowd Funding round if I choose not to have most social apps. Will Guac ever ever send out a mass email if important events occur.

  • Ryan

    Hello Lewis, we are working with our development team yo place an investor relations portal on our website

  • Kathy Oleszkowicz

    Any chance you’ll add an ability to save in cryptocurrencies at some point in the future?

  • Ryan

    Hello Kathy, thanks for your great question!

    Crypto is certainly a hot topic. We are exploring ways to add crypto to our offerings, be it the ability to purchase or save through the Guac platform. Stay tuned!

  • Johnathan Maverick

    A $24 processing fee??? – Sounds like something you only see with a bad credit card company.
    Stopped me in my tracks.

    Best wishes.

    • Moderator

      To learn more about the costs associated with investing in 4(a)(6) offering please review our FAQ’s

  • Anna Marie Bondi

    Why don’t I see any woman on this board?

    • Ryan

      Hi Anna, thanks for reaching out.

      Our board currently is made up of members that work on our day to day operations and management. As we move forward we certainly would look to diversify our board with women and men who can bring knowledge, expertise and value to an expanded board.

  • Roger Lightsey

    What effect will the concurrent raise have on the post money valuation? What are the latest KPI’s? When is this round closing? Thanks

  • Ryan

    Hello Roger, thanks for the questions.

    The conservative view of monies raised effects on valuations is to add the raised funds to your current valuation. In this case we are raising $1.3mm to our current $5.3mm valuation = $6.6mm valuation. You could make an argument for a higher valuation based on pre raise KPI’s to post raise KPI’s.

    Current KPI’s : Users 40,000, Total $ saved $2mm+, Revenue from Guac Marketplace approximately $50k ( this is with no marketing to our user base re: Guac Marketplace).

    We anticipate that the round will be oversold within the next few weeks.

  • R E

    What new startups do you see as competitors and what is your advantage for market share over them. Bakkt comes to mind as a strong new competitor to the space.

  • Ryan

    RE, thanks for your question.

    My understanding of Bakkt is more of a digital wallet play. While it is a great idea with a strong executive team they are a completely different animal than Guac.

    Guac is a savings app that allows our users to save while they spend to set and achieve short term goals. They can then use those savings to purchase through the Guac marketplace and earn cash back that can then fund a new goal and start the Guac saving process over again.

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