Introduction for Investors
We invite you to learn about a new model that has emerged from the efforts of over a dozen pioneers, founders, activists, scientists, engineers, and finance experts.
This team is bringing to market the only end-to-end FinTech solution for the majority of Americans seeking affordable access to Regulated Behavioral Health Services, Alternative Medicines, and Non-Pharma Wellness Products.
Hurricane Lotus is the Financial Technology Ecosystem for the Emergent Behavioral Health Marketplace.
Hurricane Lotus
Hurricane Lotus Inc: a Colorado holdings company established to roll up the assets built by Maya PBC of Colorado and Joint Venture Card, LLC
“Hurricane Lotus provides a vertically integrated solution for business owners in regulated markets to reduce operational costs, automate State & Federal compliance, and access credit financing.” —
LotusOne
The first compliant digital credit card designed specifically for the Behavioral Health & Wellness sector, launching in November 2024.
- Lead by an experienced credit product & risk management team.
- Innovative FinTech IP with managed services provided by i2C.
- Significant Market Demand in the Alternative Healthcare Provider Market in the U.S.
NAITUR.AI
The only purpose-built software solution for psychedelic service providers to automate regulatory compliance & data reporting.
- 5 years R&D as Maya PBC with leading academic & medical advisors.
- Demonstrable product-market fit with leading institutions & associations.
- Deploying technology solutions to Oregon and Colorado service providers + international research groups.
These products combined solve the two most critical problems in the emerging Behavioral Health sector: Financial Accessibility and Secure Data Reporting.
Uniqueness
1. State-level LLC and lending license infrastructure enabling fully compliant inter-state commerce for regulated markets.
2. Points + rewards driving holistic consumer spending and redemption habits in our ecosystem of wellness service providers.
3. Regenerative spending dynamics catering to the massive unmet market demand for financial access to behavioral health products for consumers, merchants, and service providers.
Leadership
David Champion
CEO | Technology Division
Five-Time Serial Entrepreneur With $250MM Exit & Public Listing – Baker Technologies
Fundraising Experience up to $120MM, M&A Experience Up To $1.45Bn – TILT Holdings
Nominated As “Entrepreneur of the Year” by Microdose
Nonprofit Research Founder & Philanthropist – Unlimited Sciences
Co-leader of First US Psilocybin Ballot Initiative – Denver Psilocybin Initiative
Architect & Contributor to the Ground Zero Masterplan – Studio Daniel Libeskind
Summa cum Laude with First Class Honors, Architecture – University Of Cambridge
Jeff Roth
COO | Finance Division
HSBC Senior Vice President, Enterprise Risk & Chief Compliance Officer
Bank of America Card Products Group, Senior Vice President and Chief Compliance Officer
Providian Financial Chief Compliance Officer
Bank of America Card Services, Vice President, Compliance Manager
Sears Credit, Compliance Director
Citicorp Corporate Audit, Assistant Vice President
J.R. Metz Founder & Managing Director of Regulatory Compliance & Risk
Joint Venture Card Co-founder, Chief Executive Officer
Market Forces
This is the inflection point in the US health economy: A post-pandemic climate in which more Americans seek mental health and wellness solutions, with the majority unable to afford appropriate care and products.
Americans are seeking holistic wellbeing services and plant medicines.
92.1% of Americans had health insurance in 2022, with 54.5% covered by employment-based insurance.
These figures indicate a significant market for additional financial products aimed at expanding access to non-covered behavioral health products and services.
America runs on credit. 37% of all payments are made on credit card.
Another 53% on debit cards. Up to 37% of transaction opportunities in this market are not realized due to the lack of payment options.
Furthermore, 35% of consumers use credit cards to earn rewards. The current reward mechanisms focus on travel, while most Americans more urgently need access to wellness products and services.
Merchants seek ways to make products and services more accessible.
The alternative healthcare providers market in the U.S. was valued at approximately $20.45 billion in 2022 and is projected to reach $25.77 billion by 2028, growing at a compound annual growth rate (CAGR) of 3.93%.
This means more competition and the need for unique financing models to attract new business and loyalty.
Market Entry Strategy
Key Insights
- “The market for psychedelics will reach the $7 billion level by 2027.” - Williamette Week
- "Psilocybin will be a $1 billion industry in Oregon alone.” - Data Bridge Market Research
- The licensed "Serviceable Addressable Market" is a hologram of the "True Addressable Market" waiting to enter legal practice.
- Colorado’s rollout of Proposition 122 in 2025 will generate a dual-licensing model for both medical and non-medical providers to build revenue streams from alternative medicines not currently covered by insurance. This model will generate significant state tax revenues attracting 20+ other states to follow.
- Psychedelic Services provisioned by these early states are the harbinger of a new era in behavioral healthcare market dynamics for the country and the world.
Want to Learn More?
Strategy
Bring to market a unique, defensible, high-tech solution for the 3 biggest problems currently facing Behavioral Health Providers:
1. Affordable Access to Alternative Medicines & Wellness Rewards
2. Credit Financing for Business Owners, Merchants & Consumers
3. Banking for Merchants, Service Providers & Manufacturers
Solutions Landscape
Is it Legal to Process Credit Cards at a Cannabis Dispensary?
No. While companies still knock on the doors of dispensaries, offering credit card processing solutions is not worth the risk. Major credit card providers do not allow cannabis transactions on the card rails.
Americans are familiar with making everyday purchases with their credit cards. Often, it catches the casual cannabis consumer by surprise to learn that dispensaries do not accept credit cards as a payment method.
As cannabis remains federally illegal and classified as a Schedule 1 controlled substance, major credit card companies, i.e., VISA, MasterCard, and American Express, currently prohibit credit card cannabis payments.
Competition
Overview
Our competition set includes three umbrella domains.
SaaS for Practice Management
Data Aggregators in HealthTech
Payment Solutions in Vice Marketplaces
Further Information:
- Federal regulations, such as the Bank Secrecy Act (BSA) and the USA PATRIOT Act, require financial institutions to prevent and report suspicious activity, including transactions involving illegal substances such as Schedule I compounds including Cannabis and Psychedelics.
- Visa, Mastercard, American Express, and Discover are Credit Card Processing Networks that facilitate transactions across state lines, processing transactions related to Schedule 1 compounds would violate the Bank Secrecy Act and the USA PATRIOT Act.
- As a result, existing interstate Credit Card Processing Networks cannot legally process transactions for cannabis and psychedelics businesses, even if these businesses are legal at the state level.
- This restriction forces businesses in these industries to rely on cash transactions, limits their access to business funding options, and restricts consumers from accessing credit for these products and services.
Credit Financing for Merchants
We seek risk and create financial technologies to dissolve risk
Solution Defensibility
America’s first fully compliant, secure, and integrated digital payment solution
designed specifically for state-regulated merchant and service businesses.
Introducing…
OneLotus Card
Market-first digital credit card for the Behavioral Health & Alternative Medicine markets.
Utilizes a state- and federally-compliant credit lending solution through our unique network of state lending licenses and LLCs.
Offers a secure, closed-loop integrated platform for businesses to manage transactions and financial services within their states
Opens access for Businesses and Consumers to access credit and financing options, increasing accessibility and accelerating growth for multiple alternative health markets.
By providing a compliant, accessible and secure payment solution, this solution
elevates the cannabis and psychedelics markets from grey market to gold market.
USP
1. Reduced transaction fees
2. Broader market access to consumers
3. Extended financing for customers
4. Commercial lending and bank deposits
Product Set
The only fully compliant infrastructure and frontend system to address the industry-specific
challenges of markets that are currently restricted to cash-only transactions.
By enabling credit and lending transactions, the card opens up new avenues for patients and providers, reducing economic barriers.
This makes wellness and health services more accessible to the average consumer - encouraging the ongoing transition from traditional to alternative treatments
For providers, accepting credit means tapping into new customer segments and boosting revenue and expansion
Assets
Team
Highly experienced leadership team with professional expertise in credit card product development, credit risk management, technology R&D, marketing, and compliance.
Brand Equity
Our successful acquisition of Maya PBC positions Hurricane Lotus (holdings company) to drive fast adoption and customer retention in the alternative medicine markets.
Infrastructure
Closed-loop and wholly owned digital credit card system maintained by i2c, with 25 years as a market leader in credit product server and backend compliance infrastructure. Frontend marketing sites and software applications developed by Creative Creation.
Cost Efficiency
Our fully decentralized global team of 11 managers plus 10 contractors is designed to maintain low and flexible monthly burn rates with strong team culture. Our budgets are maintained to drive product market fit and profitability by Q2 of 2025.
Our combined assets bring a first-to-market Technology solution & credit lending infrastructure to provide the emerging alternative medicine and holistic wellness market with FinTech solutions to streamline operations, maintain regulatory compliance, and extend customer financing.
Exclusive contracts, brand equity, track history, and institutional partnerships promise to give us majority market share of a ~$7Bn market within 5 years.
Revenue Growth
With 12 months of consumer behavior data, we will sell credit card receivable portfolios to the secondary market
Benefits include:
- Capital generation for continued credit card funding
- Reduction in credit risk
- Premium over book value on high-yield receivables sold
- Continued account servicing revenue
Timeline
Investment Opportunity
Hurricane Lotus is opening a SAFE offering with a rolling close.
Rolling Close
- This round is designed with ethics to issue ownership in the business according to the risk asymmetry of investment at each phase.
- Allocations are designed to reward early investors with a low post-money valuation cap of $15M.
- Find full details of the rolling close allocations below.
- Financial Projection & Data Room available only by request.
Key Information
- This round will open on July 1st
- The Lead has signed and wired in support of the M&A combination forming this deal.
- Lead investor: Brian Kelly – hedge fund manager & blockchain VC at BKCM.
- Remaining allocations: $300k (8); $100k (2)
- SAFE Note Subscription Forms will be issued per the
Investment Invitation
Investor Relations Contact:
David Champion
david@hurricanelotus.com
+1 (646) 400-4671
Safe Offering - Rolling Close
Terms of the Deal
Value | Notes | |
|---|---|---|
Startup Operating Costs | $664,886 | |
Credit Card Receivables (Projection) | $2,310,044 | |
Total Capital Need (with Margin) | $2,970,930 | |
Fundraising Goal | $3,000,000 | |
Vehicle | SAFE Note | |
Post money valuation cap | $15M-24M | Rolling Close |
Proposed pre-money valuation | $21,343,284 | Premise: Maya PBC last priced post-money valuation (2020) was $14.3M. Our 2023 SAFE Note offering investment of $1.2M anchored a post-money valuation cap of $19-24M (subject to conditions). Given recent changes in the venture capital market and general economy, we have decided to honor this early stage valuation. Maya PBC represents 67% of total fully-diluted shares in the Hurricane Lotus holdings company, producing a pre-money valuation for this phase of expansion and new opportunity of $21,343,284. |
Discount rate | 80% | (20% Discount) |
Subscription Amount | 3x $100,000 9x $300,000 | |
Total # Allocations | 12 | |
Lead investor | BKCM | |
Converts upon | Series-A, PE, Material Transaction | |
Projected Market Valuation for Series-A Financing Event (2025) | $42.9M | Pending formal 3rd Party valuation review by Eton Venture Services. https://etonvs.com/ |
Allocations
Check # | Allocation | Investor | SAFE Valuation Cap |
|---|---|---|---|
1 | $100,000 | Committed | $15M |
2 | $150,000 | Committed | $15M |
3 | $25,000 | Soft-circled (anonymous) | $15M |
4 | $25,000 | Soft-circled (anonymous) | $15M |
5 | $25,000 | $15M | |
6 | $25,000 | $15M | |
7 | $100,000 | Soft-circled (anonymous) | $18M |
8 | $150,000 | Soft-circled (anonymous) | $18M |
9 | $250,000 | $18M | |
10 | $350,000 | $18M | |
11 | $350,000 | $24M | |
12 | $350,000 | $24M | |
13 | $450,000 | $24M | |
14 | $650,000 | $24M | |
TOTAL | $3,000,000 |
SAFE Notes
Post-Money Cap | SAFE Form |
|---|---|
$15M | |
$18M | |
$21M | |
$24M |
Opportunity in Summary
- 2024 revenue projection: $273,924
- 2026 revenue projection: $17,277,074
- Profitability Forecast: 2025 Q2
- 2025 EBITDA Margin: 46.91%
- 2026 EBITDA Margin: 72.29%
- Combined assets, technology solutions & credit lending infrastructure provide the emerging Alternative Healthcare Market with solutions to streamline operations, maintain regulatory compliance, and extend customer financing.
- 2025 profitability strategy encompassing 4 Revenue Streams
- Business model: Credit + FinTech + SaaS + ECom
- Exit strategy: Financial Data + Intellectual Property + MedTech Data will become uniquely valuable for leading banks and credit providers (VISA, MasterCard, Bank of America, Chase Bank) to enter this market.
- Exclusive contracts and institutional partnerships with State Departments, Association Groups, Academic Organizations, and Provider Networks promise to give Hurricane Lotus a majority market share of the ~$7Bn emerging market showing 11%+ CAGR in the next 3 years.
Use of Proceeds
- Optimized CapEx
- Efficient R&D through global operations
- Top-level managerial salary: $200,000 p/a
- 73% budget allocation to credit lending receivables as a new revenue opportunity:
Hurricane Lotus SAFE Note offering:
20%
Discount (80% Discount Rate)
$15-24M
$42.9M
$3M
Lead Investor
$2,310,044
$664,886
Financial Projection
