The Cost Savings OS for SMBs
AI + Embedded Finance + Employee Benefits
Building the financial optimization layer for millions of small and mid-sized businesses
The Vision
We're building the operating system for business cost savings
A unified platform that helps businesses:
Reduce Expenses
Automatically detect and eliminate hidden costs across all spending categories.
Improve Cash Flow
Real-time visibility and actionable insights to keep more money in the business.
Benefit Employees
Deliver meaningful financial benefits that attract and retain top talent.

All distributed through the partners that already serve them — at zero friction.
The Problem
Businesses are leaking money everywhere
For Businesses
  • Hidden fees, billing errors, and overpriced vendors
  • Fragmented systems with no centralized visibility
  • Traditional audits are slow, expensive, and incomplete
For the Ecosystem
  • Employees lack meaningful financial benefits
  • ISOs and processors lack differentiated merchant value
The Opportunity
Turn cost savings into a recurring platform. Every business has three core needs we can unify:
Expenses to Optimize
Continuous AI-powered auditing across 12+ spend categories.
Employees to Engage
Meaningful perks and financial benefits delivered through a branded mobile app.
Financial Services to Adopt
Payroll, lending, checking, and more — embedded at the point of need.

Cost Savings becomes the daily financial layer for SMBs — unifying all three into one system.
The Solution
Cost Savings™ is a unified cost savings ecosystem — built, live, and scaling.
Membership + Mobile App
  • Employee discount marketplace (closed-loop)
  • Business-branded mobile app
  • Engagement and retention engine
AI Cost Savings Engine
  • AP spend ingestion (live today)
  • Bill auditing, monitoring, tax optimization
  • Continuous savings detection
Embedded Financial Services
  • Low-cost payroll
  • Lending and checking
  • Future: Cost Savings credit card
The Product
Built, live, and ready to scale
01
Fully Functioning Mobile App
Complete onboarding flow and user experience ready for mass deployment.
02
Integrated Discount Ecosystem
Closed-loop marketplace live and delivering real value to employees and merchants.
03
Patent-Protected AI Technology
U.S. Patent No. 11,875,374 — proprietary AI-driven cost-auditing technology secured.
04
First AI Tool Live
AP spend ingestion and savings insights actively generating value for users today.

Not a concept — the infrastructure is complete.
The AI Engine
Dollar Bill™
Our AI savings and revenue engine that powers the entire platform:
  • Analyzes financial and operational spend data
  • Detects savings opportunities automatically
  • Delivers real-time recommendations
And converts insights into revenue:
  • AI tool upsells
  • Vendor optimization (GPO)
  • Financial product adoption
The Cost Savings Stack
A vertically integrated platform — every layer designed to generate value and revenue.
Monetization Layer
Payroll, lending, checking, SaaS tools, marketplace. Future: credit card interchange revenue.
Intelligence Layer
AI engine, spend analysis, real-time savings recommendations powered by Dollar Bill™.
Experience Layer
Mobile app, perks marketplace, and employee engagement tools that drive daily usage.
Distribution
Mass distribution through ISO and payment processor networks — accessing hundreds of thousands of businesses with built-in trust and immediate scale potential.
Merchant Processors
Embed directly into existing processor workflows to reach their full merchant base.
ISOs
Arm independent sales organizations with a differentiated, high-value offering.
Associations
Leverage association networks to deliver financial benefits and cost savings to member businesses at scale.

Access to hundreds of thousands of businesses — with built-in trust and immediate scale potential.
Why Partners Win
We 4× the value of ISO portfolios
New Revenue Streams
Residual income from membership fees, AI tools, and financial service revenue share.
Merchant Retention
Stickier merchant relationships through ongoing cost savings and employee benefits.
Differentiated Offering
Stand out from the competition with a full financial platform — not just payments.
Beyond Payments
Monetization expands to lending, payroll, SaaS, and future credit card interchange.

Turning processors into full financial platforms — not just payment rails.
Business Model
Multiple high-margin revenue streams — diversified and compounding over time.
Membership Fees
Recurring revenue from both business and employee memberships.
AI & SaaS Upsells
Premium AI tools and platform upgrades sold into the engaged merchant base.
Financial Services Revenue Share
Revenue share from lending, checking, and low-cost payroll products.
Vendor & GPO Commissions
Commissions earned through group purchasing and optimized vendor contracts.
Future: Credit Card Interchange
Interchange revenue from the Cost Savings credit card — closing the loop on the platform.
Employee Marketplace Revenue
Revenue from employee purchases via discounts, merchant offers, and incentives.
Traction & Raise
Built, launched, and scaling
What's Live Today
  • Patent secured
  • Mobile app live
  • AI spend ingestion tool live
  • Integrated discount ecosystem
  • Initial users onboarded
Raising $1M to:
  • Scale ISO distribution
  • Expand AI and product suite
  • Launch financial services
Deal Terms
Instrument: SAFE
Runway: ~18–21 months
Cash Burn: $48K / month
Contact
Bill Kurtzner
🌐 www.CostSavings.com