As we review 2025, we view it as a year of preparation for Athena Fintech. We focused on strengthening customer adoption, scalability, and long-term value creation.

The primary objective for 2025 was to reduce risk. Mature the platform, validate market fit, and implement organizational discipline. The progress made Athena Fintech strengthen its core.

Technology and Platform Readiness

In 2025, we invested in platform stability, security, and scalability. Key outcomes included:

• A modern, cloud-based infrastructure designed to support growth and volumes
• Disciplined development and release processes, enabling monthly product releases
• Automated testing to improve reliability and reduce operational risk

These efforts established a robust technical foundation.

Product Maturity and Market Validation

We engaged with prospects and industry experts to validate requirements and refine the solution. These discussions influenced our roadmap. Enhancements include:

• Support for various companies and lines of business
• Inventory tracking, document management, and configurable communications
• ACH payment processing and midlife contract modification capabilities

As a result, the platform is now functionally ready.

Organizational and Governance Progress

We strengthened the organization to support scale:

• Initiated partnerships to use AI effectively
• Set up an Advisory Board comprising senior leasing professionals

These steps improved both market alignment and governance maturity.

Priorities for 2026

With the core foundation in place, 2026 will focus on controlled execution and early scale. Our top priorities include:

• Onboarding the initial group of equipment and vehicle lessors
• Improving the platform based on customer usage and priority pain points
• Using emerging technologies to enhance automation and efficiency

We enter 2026 confident and stronger.

Thank you for your continued oversight, guidance, and support. We look forward to working closely with you as Athena Fintech transitions from preparation to execution.

Respectfully,
Athena Founders