Stewards, Inc. · NASDAQ:SWRD
Stewards — Investor Presentation (September 2026)
34 slides from Stewards's investor presentation, Sep 14, 2026
Slide 1: Building The Next Generation Financial Platform
Corporate Presentation | 2026 Building The Next Generation Financial Platform September 2026 WWW.STEWARDS.COM
Slide 2: Forward-Looking Statements
Forward - Looking Statements This presentation has been prepared by Stewards, Inc . (the “Company”) for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities, digital assets, tokens or tokenized interests, nor does it constitute a pr
Slide 3: A Philosophy Built Over 27+ Years
For more than 27 years, Glen Steward has built financial businesses around a simple belief: capital should create lasting value for everyone it touches. That philosophy became the foundation for Stewards. Rather than building around individual products or transactions, Glen’s approach has been to cr
Slide 4: Platform capabilities: Private Credit, Digital Infrastructure, Real Assets
Short - duration financing primarily in the form of merchant cash advances / revenue - based purchases of future receipts, designed to generate recurring originations and cash flow. Private Credit (Core Engine) Digital Infrastructure (Developing Capability) Technology and infrastructure being develo
Slide 5: Strategic Evolution of Stewards
Stewards did not become a diversified financial platform overnight . Our evolution has been deliberate, with each milestone building on the one before it . What began with disciplined private credit has expanded through strategic acquisitions, strengthened governance, brand alignment and continued i
Slide 6: Stewards Business Capital
STEWARDS BUSINESS CAPITAL
Slide 7: Stewards Business Capital Live Operating Platform
The operating engine behind our private credit platform. Stewards Business Capital is an established origination and underwriting platform serving U . S . small businesses . Its digital acquisition, underwriting and servicing infrastructure provides the operating foundation for Stewards’ private cre
Slide 8: The Market Opportunity
NEARL Y Small businesses operate across the United States and drive innovation, employment and economic growth. Nearly half of funding requests from small businesses fall below $$50,000. A structural gap in small business financing The Market Opportunity The opportunity is not simply more lending .
Slide 9: Proof & Traction
Proof & Traction An established origination platform with demonstrated operating scale. A proven origination engine providing the foundation for Stewards’ next phase of growth. Disciplined Credit: Focused on disciplined underwriting Recurring Originations: Renewal - driven repeat business Built to S
Slide 10: Why now?
Capital markets are changing . Traditional lending is retrenching, private credit continues to expand, technology is transforming underwriting and institutional capital is seeking new ways to access and manage private - market opportunities . Stewards is being built at the intersection of these shif
Slide 11: The Core Engine of the Stewards Platform
1 APPLY ASSESS FUND RENEW 2 3 4 Simple digital application designed for speed. Technology - enabled, disciplined underwriting. Fast access to working capital. Repeat funding for qualifying businesses. Private Credit is the foundation of the Stewards platform. Through Stewards Business Capital, we pr
Slide 12: Digital Origination Opportunity
Digital Origination Opportunity 05 03 04 Stewards is building a digital origination engine designed to scale. DIGITAL - FIRST DEMAND Business owners increasingly begin their search for capital online. TRADITIONAL FRICTION Conventional lending can remain slow and difficult for smaller businesses to a
Slide 13: From Search to Funding
From Search to Funding Funding Conversion Move qualified applicants through underwriting and funding. • Call centre outreach and qualification • AI - assisted credit and underwriting with human review • Capital deployment through revenue - based financing, primarily merchant cash advances Traffic Ge
Slide 14: Why Stewards Wins
For small businesses: For investors: Why Stewards Wins Fast Access Working capital when businesses need it Creating shared value for businesses and investors. Flexible Structure Revenue - based repayments aligned with cash flow Simple Process Streamlined digital application Relationship Driven Repea
Slide 15: Real Assets
Real Assets Income-producing assets supporting resilient, long-term value.
Slide 16: Real Assets
Real Assets Real Assets complement the Stewards platform through income - producing commercial real estate, providing recurring rental income, balance sheet diversification and potential long - term value creation. Residential, mixed - use and commercial real estate designed to generate recurring re
Slide 17: 1818 Park | Real Assets Economics
1818 Park | Real Assets Economics A significant income - producing real asset that adds diversification and long - term asset value to the Stewards platform $158M ALLOCATED REAL ESTATE VALUE ~92% OCCUPANCY $4.8M RENTAL INCOME Land, building and in - place leases recorded at acquisition Immediately p
Slide 18: 1818 Park
1818 Park A transformational real asset within the Stewards ecosystem 1818 Park Acquisition Acquired in July 2025, marking Stewards’ expansion into income - producing real assets. Income - Producing Asset Adds a long - duration real estate component alongside the company’s short - duration private c
Slide 19: 1818 Park scale: value, apartments, occupancy
1818 Park demonstrates the scale of Stewards’ Real Assets strategy, combining recurring rental income with active asset management and potential long - term value creation. $158M Allocated Real Estate Value 273 Residential Apartments ~92% Occupancy
Slide 20: The Stewards Campus
Building the operational foundation for the next stage of growth . The Stewards Campus is a 130 , 000 - square - foot office campus in Plantation, Florida, being developed as the Company’s long - term headquarters and operational hub, bringing leadership, technology and client - facing teams togethe
Slide 21: Exploring Real Estate Liquidity
Exploring Real Estate Liquidity Stewards is exploring how on - chain infrastructure could create new pathways to access value embedded within income - producing real estate, while maintaining long - term ownership of the underlying assets. CAPITAL REDEPLOYMENT Unlocked capital could potentially be r
Slide 22: Enterprise Technology Ecosystem
Operating Engine PRIVATE CREDIT Future Capability DIGITAL INFRASTUCTURE & Enterprise Technology Ecosystem The operating infrastructure connecting the Stewards ecosystem. Stewards is building an integrated technology foundation that connects data, workflows and operational intelligence across the bus
Slide 23: The Stewards FlyWheel
Equity Credit facilities Institutional capital 01 CAPITAL SOURCES Originate Underwrite Deploy 02 Short - duration receivables Collections Repeat funding opportunities 03 Redeploy capital Support new originations Support portfolio growth 04 Income - producing assets Balance - sheet diversification Lo
Slide 24: Digital Infrastructure
Potential infrastructure to improve the movement of capital and assets. Potential infrastructure designed to support more efficient settlement. CAPITAL MOBILITY SETTLEMENT Exploring digital collateral management to improve efficiency and reduce friction. COLLATERALIZATION Exploring potential pathway
Slide 25: AI-Enabled Credit Operations
AI - Enabled Credit Operations Automation improves speed and consistency. Human expertise maintains credit discipline. Stewards uses automation and data - driven tools to support speed, consistency and credit discipline throughout the underwriting process. Technology assists experienced professional
Slide 26: Why On-Chain Matters
Why On - Chain Matters The opportunity is not tokenization itself. It is what on - chain infrastructure could make possible. The opportunity: make existing capital work more efficiently across the Stewards ecosystem. Unlock Asset Utility Improve Capital Efficiency Expand Capital Access Connect the E
Slide 27: Connecting Traditional & Digital Finance
Connecting Traditional & Digital Finance Exploring new pathways between traditional finance and digital infrastructure. Credit → Potential Digital Infrastructure → Future Capital Access Exploratory concept. On - chain capabilities are not currently operational, and there can be no assurance they wil
Slide 28: Combining capabilities across separate financial models
Combining capabilities typically found across separate financial models. Stewards combines a private credit operating engine, income - producing real assets and technology - enabled operations within a single platform. BDCs ALT. LENDERS BANKS Limited ✓ Limited ✓ SMB Credit Focus Varies ✓ Limited ✓ S
Slide 29: Leadership
Leadership Building a stronger business through experience, insight and partnership.
Slide 30: Executive Leadership
Executive Leadership Experienced leadership across operations, finance and growth. Shaun Quin CEO & President Founder and director with more than 20 years of global experience as a partner, investor and director. Shaun leads Stewards strategic growth and continued expansion across private credit, re
Slide 31: Corporate Governance
Corporate Governance “A Glen Steward Chairman of the Board Founder and investor with 27+ years of investment and trading experience across international markets. Glen brings a long-term investment philosophy and extensive experience in capital allocation, financial markets and building businesses to
Slide 32: Why Stewards
01 06 02 05 Underserved SMB credit demand Income - producing real estate provides diversification and expands the Company’s tangible asset base $153M+ cumulative originations since 2020 and 10,000+ SMBs funded, including direct and syndicated activity Digital acquisition, underwriting and automation
Slide 33: The Stewards Investment Thesis
The Stewards Investment Thesis One integrated platform. Multiple engines and capabilities. Multiple paths to value creation. Operating Private Credit Platform Income - Producing Real Assets AI - Powered Operating Infrastructure Exploratory On - Chain Financial Capabilities Institutional Governance P
Slide 34: Thank You
Thank You 4300 N University Drive, Suite D105, Lauderhill, FL 33351 Stewardship That Creates Shared Value BUILT TO STEWARD CAPITAL. BUILT TO SCALE. Scale depends on access to capital. The Company has a history of net losses, used $10.1 million of cash in operations in the first half of 2026, and had