Introduction
After over 25 years in the real estate and brokerage industry, Timothy noticed that many of his clients struggled to navigate the modern home-buying market.
Many lacked knowledge about key factors in purchasing a home, while others found it difficult to save for a down payment. These challenges were especially prevalent among younger generations and underrepresented communities, who often lacked the guidance needed to achieve homeownership.
Determined to make a difference, Timothy founded Kribsavup—a personal finance fintech app designed to help future generations and underrepresented individuals achieve their homeownership dreams.
Kribsavup provides essential education on credit scores, debt-to-income ratios, budgeting, and other financial fundamentals.
At Kribsavup, our mission extends beyond helping individuals—we aim to shift the mindset around homeownership itself. According to Citibank, 66% of Americans believe buying a home is an unachievable milestone for young people. We’re here to change that statistic from 66% to 0%—empowering the next generation to become homeowners.
But this isn’t just about owning property—it’s about fostering families, building opportunity, and securing financial independence.
Investors in Kribsavup are supporting more than just a business; they’re fueling a movement that’s breaking down barriers and making homeownership accessible for all.
Success to Date
- Backed by 25+ years of experience in the real estate industry.
- Massive market opportunity of 117M Americans that don’t own a home, 40M Millennial Americans that don’t own a home, and around 17.6M Minority Millennial Americans that don’t own a home.
- One of the only Fintech apps to focus on homeownership for minorities and millennials.
Problem
With home prices rising 42% over the past five years, a lack of financial education, and widespread pessimism, homeownership is becoming increasingly out of reach—especially for young generations and underrepresented communities. Today, 66% of Americans believe homeownership is unachievable, and first-time buyers now need an average of 13 years to save for a down payment.
Solution
Owning a Home Shouldn't Feel Impossible—We Make It Achievable.
For many, buying a home feels out of reach—rising costs, complex processes, and financial barriers leave young buyers stuck on the sidelines.
Kribsavup changes that.
We empower first-time buyers with the tools and guidance they need to turn homeownership into a reality. Through personalized financial coaching, smart budgeting tools, and seamless access to financing options, we help users find affordable homes and secure the right funding—without the guesswork.
And it’s working. Thousands have already taken their first step with Kribsavup, proving that homeownership isn’t just a dream—it’s possible.
But it’s not just about finances. It’s about creating a future where homeownership is accessible, not exclusive. By investing in Kribsavup, supporters become part of something bigger—they help real people achieve a life-changing milestone while driving a profitable, sustainable movement.
Join us in making homeownership achievable for the next generation.
Business Model
- Subscription Model (current main revenue stream): Kribsavup offers a subscription model for access to the service, starting at a basic plan of $9.99 a month and a premium plan at $24.99 a month. The subscription model is the B2C revenue stream of the app.
- Affiliation & Marketplace Model (planned & secondary revenue stream): Kribsavup plans to offer affiliation to certified lenders (banks, credit unions, etc) as well as affiliation with certified realtors/brokers through the marketplace; a feature that allows a user to search for loans and home opportunities. Kribsavup also plans to take a success fee for each transaction conducted on the marketplace, with the percentage varying on different factors. The marketplace model is the B2B revenue stream of the app.
Market
- Personal Finance App Market expected to increase from $133.08 Billion in 2024 to $330.12 Billion in 2028 with a 25.5% CAGR
- Total Addressable Market: 117 Million Americans (34.4% of Americans that do not own a home)
- Serviceable Addressable Market: 40 Million Millennial Americans (55% of Millennials that do not own a home)
- Serviceable Obtainable Market: 17.6 Million Minority Millennial Americans
Team
Investor Invitation
Investors can connect with Kribsavup because homeownership is more than just buying property—it’s about stability, opportunity, and building a future.
Many young buyers face steep challenges, and Kribsavup is breaking down barriers with tech-driven solutions that make homeownership more accessible.
By investing, they’re not just backing a business; they’re fueling a movement that helps real people achieve a life-changing milestone. They can be part of the journey by mentoring buyers, sharing expertise, and seeing the real-world impact of their support. It’s an investment that’s both profitable and meaningful.
Use of Proceeds
If the offering's maximum amount of $250,000 is raised:
| Use | Value | % of Proceeds |
|---|---|---|
| Advertising and Marketing | $82,750 | 33.1% |
| Sale and Administrative | $35,000 | 14.0% |
| Development and Research | $35,000 | 14.0% |
| Contracted Services | $25,000 | 10.0% |
| Intern Employment | $20,000 | 8.0% |
| Fundraising Expenses | $10,000 | 4.0% |
| GFY Fundraising Expense | $30,000 | 12.0% |
| Intermediary fees | $12,250 | 4.9% |
Terms
This number includes all funds raised by the Company in this round on Netcapital. This is an offering of Common Units, under registration exemption 4(a)(6), in Griggs Mutual Holdings, LLC dba Kribsavup. This offering must reach its target of at least $10,000 by its offering deadline of May 30, 2025 at 11:59pm ET. If this offering does not reach its target by the offering deadline, then your money will be refunded.
If the offering is successful at raising the maximum amount, then the company’s implied valuation after the offering (sometimes called its post-money valuation) will be:
Financials
Kribsavup’s official name is Griggs Mutual Holdings, LLC, so that’s the name that appears in the statements below.
These financial statements have been reviewed by an independent Certified Public Accountant.
SEC Filings
The Offering Statement is a formal description of the company and this transaction. It’s filed with the SEC to comply with the requirements of exemption 4(a)(6) of the Securities Act of 1933.
We’re also required to share links to each of the SEC filings related to this offering with investors.
Understand the Risks
Be sure to understand the risks of this type of investment. No regulatory body (not the SEC, not any state regulator) has passed upon the merits of or given its approval to the securities, the terms of the offering, or the accuracy or completeness of any offering materials or information posted herein. That’s typical for Regulation CF offerings like this one.
Neither Netcapital nor any of its directors, officers, employees, representatives, affiliates, or agents shall have any liability whatsoever arising from any error or incompleteness of fact or opinion in, or lack of care in the preparation or publication of, the materials and communication herein or the terms or valuation of any securities offering.
The information contained herein includes forward-looking statements. These statements relate to future events or to future financial performance, and involve known and unknown risks, uncertainties, and other factors, that may cause actual results to be materially different from any future results, levels of activity, performance, or achievements expressed or implied by these forward-looking statements. You should not place undue reliance on forward-looking statements since they involve known and unknown risks, uncertainties, and other factors, which are, in some cases, beyond the company’s control and which could, and likely will, materially affect actual results, levels of activity, performance, or achievements. Any forward-looking statement reflects the current views with respect to future events and is subject to these and other risks, uncertainties, and assumptions relating to operations, results of operations, growth strategy, and liquidity. No obligation exists to publicly update or revise these forward-looking statements for any reason, or to update the reasons actual results could differ materially from those anticipated in these forward-looking statements, even if new information becomes available in the future.
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