Product Offering. Trade finance Invoice Discounting Bridge Funding Asset Based lending Distressed Asset Purchases

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2 Product Offering Trade finance Invoice Discounting Bridge Funding Asset Based lending Distressed Asset Purchases

3 Why CTF? Fast credit assessment and payout Less reliant on historical performance No long-term commitment Owner-managed We are not agents. We use our own funding lines We can often assist when the bank s decline

4 Who is our Ideal Client Bridge Funding: o Asset already sold and receipt of funds assured. o Loan of up to 75% o Loan size of R500k to R2m Invoice Discounting: o o o o Well-known client base with good payment track record Low volume of monthly invoices Repayment expected within 60 days Drawdown of R500k to R2m per month Trade Finance: o Confirmed order from an existing or established client o Profit margins > 30% o Funding required to finance stock or raw materials to satisfy this order o Repayment expected within days on settlement from the client o Drawdown of R500k to R2m per deal

5 Application Procedure Complete application form Provide standard and specific deal-based supporting documents Credit assessment of lender Risk assessment of timing and likelihood of repayment Signing of personal surety and loan documents Payout of funds

6 Case Study 1: Bridge Loan Food Lovers Market Franchisee Client had agreed a term loan facility with a bank, subject to registration of a bond over a portfolio of residential properties. Funds were required urgently to replenish stock and take advantage of large price discounts from suppliers. CTF advanced 60% of the bank approved facility within 5 days of application based on an undertaking from the bank that payout was assured pending registration of the bonds.

7 Case Study 2: Invoice Discounting Licensed Clothing Manufacturer Client supplies the chainstores with licensed sports replica gear. Margins of 50% Due to a previous failed business, the owner was unable to procure any facilities from suppliers or the bank in order to procure stock. The Chainstores pay on 30 to 60 day terms CTF put a facility in place to allow the client to discount selected chainstore invoices in order to raise sufficient cash to acquire more stock in order to fulfill larger orders to meet with increasing demand.

8 Case Study 3: Distressed Property Acquisition Company in Business Rescue Owner of the Property it Occupies Due to the Company experiencing financial difficulties, it was placed in Business Rescue. The property had been used as collateral to obtain finance from the major banks and creditors. Due to default in repayments, the Business Rescue Practitioner was forced to dispose of the property quickly in order to raise funds to settle these secured loans. We were able to pay a deposit and commit to purchase the property within 5 working days with no conditions. All secured creditors were repaid in full and Company was able to raise additional funds in order to continue trading, thereby avoiding liquidation.

9 Case Study 4: Trade Finance Client in Business Rescue: Large Chainstore Order Client was in Business Rescue and had all funding lines frozen by the bank. Client secured a R2.2m irrevocable order from Massmart to supply stock manufactured in China. Cost of goods: R1.5m. Payment to the supplier was needed urgently in order ensure meeting of delivery and shipping deadlines. We provided a trade finance facility for 90 days to procure the stock to ensure timeous delivery and payment. We were able to advance funds within 6 days from application. Repayment was made on settlement of the invoice from Massmart.

10 For Investors What Can We Offer: Experience in dealing with risk and secured lending Superior returns in USD or Rand No long-term commitment of funds. The short-term nature of our deals ensures your funds are never locked up in any deal for longer than 120 days. Principals commit funds to each deal along with your funds on a first-loss basis. Cape Trade Finance (Pty) Ltd.

11 Contact Us Principals: Larry Sack (CA) SA John Maylam Web: Postal: PO Box 263, Maitland, 7404, South Africa Telephone: Physical: Suite 502, The Regent, Regent Road Sea Point, Cape Town, 8005, South Africa

Invoice Factoring, Debtors Discounting and Trade Finance are bridging facilities using your debtors, stock or movable assets to raise cash.

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