BUSINESS FORWARD. At FAMCO we understand that cash flow and the financing of your FINANCIAL SOLUTIONS YOUR ABOUT FAMCO FINANCIAL SERVICES TO DRIVE

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2 At FAMCO we understand that cash flow and the financing of your fleet and equipment are as important to you as their quality and reliability. With this in mind, FAMCO Financial Services provides flexible, cost-effective, tailor made solutions to meet your unique financial requirements. ABOUT FAMCO FINANCIAL SERVICES Keep your cash: Conserve your capital for when and where you need it the most. Additional credit: FAMCO s multi-bank approach helps you to find the TO DRIVE FINANCIAL SOLUTIONS BUSINESS YOUR FORWARD perfect fit for your financial requirements, ensuring the best rates and terms based on your credit profile. Maintenance contract: FAMCO will arrange to include your maintenance contract cost into your monthly installments. Shari ah compliant : FAMCO arranges Shari ah compliant financing for all kinds of small, medium and large companies.

3 COMBINE YOUR SERVICE AGREEMENT PREMIUMS Equipment financing is an affordable finance facility to own your equipment. Simply agree the term and repayments and after the last payment, the equipment will be yours. EQUIPMENT FINANCING HOW IT WORKS: Choose the down payment and repayment term that best suits your business. The balance is divided equally over the term you choose. After the final payment, the equipment is under your ownership. Best competitive rates. Flexible down payment. Based on Ijarah - an off balance sheet method. Improves your cash flow immediately and streamlines your finances by matching monthly payments to your income. Your service contract payment will be combined to have the convenience of one fixed payment to manage your expenses better. AFFORDABLE FINANCE TO OWN YOUR EQUIPMENT

4 Paying cash to replace your old assets or buying new assets to grow or expand your operation can be a significant drain on your company s working capital. Our specially tailored finance packages can help you manage your cash flow through regular payments over an agreed tenor. HOW IT WORKS: You choose your assets. You decide on the down payment. You decide on the tenor. You decide an approval amount equivalent to the asset price or the bank will grant you a credit line with an approved limit to use within six months. Conserve your capital. Enjoy flexible down payments. Flexible terms of months to give you peace of mind. COMPRESSORS & GENERATORS FINANCING OUR SPECIALLY TAILORED FINANCE PACKAGES CAN HELP YOU MANAGE YOUR CASH FLOW

5 OUR SHARI AH COMPLIANT FINANCE ARRANGEMENTS ARE DESIGNED TO MAKE FINANCING SIMPLE FAMCO has a complete understanding of its customer s unique and sensitive financial requirements, offering a diverse range of options including Shari ah compliant solutions. ISLAMIC FINANCING HOW IT WORKS: The finance company will buy the equipment from FAMCO and resell or lease it to you with an agreed sale price (including an agreed profit for the bank), made through a series of installments. The structures used are Murabaha and Ijarah. Shari ah compliant. Murabaha is not an interest bearing loan, which is considered riba (or excess). Murabaha is an acceptable form of credit sale under Shari ah. Enjoy flexible down payments. Ijarah is not considered debt financing so it is off balance sheet financing.

6 COMBINE YOUR SERVICE AGREEMENT PREMIUMS FAMCO s fixed cost service agreements ensure that you receive no financial surprises during the life span of your assets. FAMCO offers a variety of service agreement options to meet your specific needs, giving you the assurance that your equipment will retain its high quality and improve its resale value. If you decide to opt for a service agreement at the same time as your finance option, you gain additional control over your cash flow as well as FAMCO s renowned after care. SERVICE AGREEMENTS HOW IT WORKS: Our service agreement programs can be tailored to suit your needs with the premium added to your finance package. Know your cost today and in the future no surprises. Stay protected from the unexpected. Increase your profit. Maintain total cost control. Ensure peace of mind. Enjoy greater flexibility. Combine service agreement premium to spread over your installments.

7 KEEPING THINGS SIMPLE DOCUMENTS REQUIRED Last 3 years audited financial statements. In-house financials for the current year. Bank statement for the last 6 months. Owner s/shareholder s ID(copy). Commercial registration and Chamber of Commerce copies. Articles of Association (if company). Zakat certificate copy. Company profile. Classification certificate. DOCUMENTS REQUIRED Projects in hand. Facility request letter signed by authorized person and sealed with company stamp. Client office tenancy contract, electricity and telephone bills. Commercial registration & Articles of major shareholder (in case the main shareholder is a company). Audited financial statements for major shareholder (in case the main shareholder is a company). PLEASE CALL US TODAY FOR MORE INFORMATION

8 WHEN CASH FLOW IS KING