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1 The Cost-Effective Cash Flow Solution for Your Business Providing working capital for business

2 Your invoices represent one of your most valuable business assets however, until they are paid, they are not contributing to your cash flow. However positive your sales may be, you can t continue to grow without good cash flow. A fast, flexible, cost-effective solution to cash flow and working capital problems You need a solution to enable you to: Pay your creditors on time Qualify for prompt supplier payment discounts Maintain your credit rating Continue your business growth In these difficult economic times your bank may be unable to help, turning your invoices into cash is just good business sense.

3 Invoice Discounting The Interface Financial Group provides a simple, proven, internationally accepted and trusted solution to cash flow funding, commonly known as invoice discounting, often called spot factoring. The Interface solution is not traditional factoring where a business is funded from its debtors ledger it s much simpler and more user-friendly. Most importantly, no contractual commitment is required to use the service. The benefits are tangible, cost-effective and most importantly only days away. As your business grows, our service will grow with you. YOUR COMPANY PROVIDE GOODS/ SERVICES ISSUE INVOICE SELL INVOICE FUNDS INVOICE THE INTERFACE FINANCIAL GROUP YOUR CUSTOMER 5 PAYS INVOICE ON DUE DATE The Interface Financial Group A user-friendly service Put simply, we purchase one or more of your current invoices at a discount. You don t have to wait for your customer payment that s our role. When your customer s due date for payment arrives, they pay the full invoice value to Interface.

4 Once you contact us, we undertake a due diligence programme that typically takes a few days. Once completed, you are at liberty to offer one or more invoices to us for purchase. On receipt of these invoices we check the credit of the debtor named on the invoice and also that the sale represented by the invoice has been completed satisfactorily. Once this is completed the debtor is advised of the purchase by IFG and you are paid for the invoice. At the end of the credit period the debtor makes payment directly to IFG and the transaction is complete. With your cooperation, we can complete an initial funding transaction very quickly. Subsequent funding transactions can be completed in as little as 48 hours as our initial due diligence of your customer and the initial documentation has been executed, our process and documentation is streamlined. Just imagine within days of issuing the invoice you have the cash available to buy more materials, acquire additional stock, take on more staff or simply just pay those important creditors. A cost-effective service Our fees are simply a small percentage of the invoice/s we purchase. There are no other costs involved. Unlike other solutions, we can buy single invoices or as many as you like, it s completely up to you. We will buy invoices for any value. No minimums or maximums. A solution to fund your growth If you have a sound business and your customers are other businesses (not consumers), we can work with you. The Interface invoice discounting service is not restricted by industry or by scale of transaction. Funding can be provided for virtually any business selling a product or service on regular credit terms to other businesses and all funding requests are considered. Unlike banks or factors, we do not flatly reject you as a potential client merely because you have not been in business for at least two years. Some of our clients have, in fact, only been in business for a few months. And we do not instantly reject you because you have a weak balance sheet or because you have experienced a negative credit event in your recent past. We focus more on the financial strength of your customers (the account debtors), those businesses who have an obligation to pay your invoices. As your sales escalate, so does the available funding.

5 Use it as you need it Unlike conventional lending sources, like banks and factors, what makes the Interface solution unique, is that it is a user-friendly use it as you need it financing alternative in a cost effective framework. Because each invoice purchase is a separate transaction and does not form part of a portfolio lending approach, Interface leaves you in control of your business and in control of how much you use the service there are no long-term commitments and no monthly minimums. You sell us outstanding invoices only when you want or need to. If you only need one-time funding, we can provide it. Providing working capital for business

6 Start to reap the benefits now Starting to improve your cash flow couldn t be simpler: We will discuss your requirements and send you an application pack. We will then review the paperwork, complete the necessary checks, and ask for any additional information should we need it, which doesn t require any cost or commitment. You then supply Interface with copies of invoices and we verify the details. We will arrange to visit your office to finalise the process. When everything is accepted we process your payment. Funding can be transferred to your account. Developing a strong working relationship with Interface has allowed me to stop worrying about cash flow. Any time I choose I can turn a portion of my invoices into cash. The process is very simple and straightforward. Interface has been a strong business partner in allowing our service-based company an opportunity to realise immediate payment, when our industry standard seems to be 40 days. We value IFG as a business partner in our continued growth in our market. I would personally recommend IFG to anyone needing their service. Providing working capital for business Just call us now on or fax or visit to take control of your expansion and growth. Interface is the leading alternative funding source for small business with offices in the UK, Australia, Canada, New Zealand, Singapore, and the US.

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