1. Applying Our application form is quick and easy to complete and as soon as we have it, we get in touch to discuss your options.

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1 NEED A BUSINESS LOAN? R R Easy application process Pay-out in as little as three days The single biggest challenge facing small to medium enterprises in South Africa today is accessing the funding they need to help them capitalize on the growth opportunities that present themselves. No matter what industry you re in, Pollen Finance can provide the pollen your company needs to achieve its potential. Our business loans are quick (we require very little paperwork), convenient (weekly repayments make it easy to manage your cash flow) and based on the strength and consistency of your business as well as your average monthly sales. Don t let growth opportunities pass you by follow our easy application process today and let us help you pollenate your business. Securing a Pollen Business Loan is as easy as 1. Applying Our application form is quick and easy to complete and as soon as we have it, we get in touch to discuss your options. 2. Submitting documents Supporting documents help us verify that you re eligible for a Pollen Business Loan and enable us to confirm the facility amount. A Pollen consultant will contact you to confirm which documentation we require. 3. Getting your loan On approval, and after signing your contract and debit order forms, your funds will be transferred into your nominated account often within as little as three days of applying.

2 APPLICATION FEES If we re unsuccessful with your loan application, there s no charge. If we re successful, there s a once-off, upfront fee with no hidden costs. All fees will be disclosed upfront and prior to entering into any contract. FINANCE COSTS We charge a simple once-off finance fee, which will be explained to you by a Pollen consultant upfront and prior to entering into any facility agreement. FINANCIAL IMPLICATIONS OF NON-PAYMENT Additional fees may be imposed for non-payment, depending on the policy of the individual lender. These will be disclosed upfront and ahead of you entering into any facility agreement. RENEWAL POLICY Please contact us if you would like to renew or refinance your loan as this is not an automatic process. Most lenders will only consider renewing or refinancing your loan subject to your meeting their lending criteria and responsible lending obligations. Fees may be imposed. These will be disclosed upfront. Non-payment may affect your credit rating, which may in turn affect your ability to borrow in the future. What makes Pollen different? High approval rate Fast, simple process Access funds in three days or less Works with your business cash flow No complicated paperwork No application fees Once off interest charge No hidden costs

3 POLLEN PROMOTES BUSINESS GROWTH There s nothing traditional about a Pollen Business Loan. This innovative product offers you a cash advance based on the strength and consistency of your business and your average monthly sales. Boost your business potential As a business owner, you know that your greatest asset is your future sales. A Pollen Business Loan allows you to secure working capital for your business, so that you can tap into this asset. A loan for all seasons Wherever you find yourself in your business journey, a Pollen Business Loan can help you grow your venture and build future sales by enabling you to: Open new locations Undertake renovations Buy additional stock Fund advertising and marketing Implement a partner buyout Upgrade and repair equipment Maintain a positive working capital balance Pay Income Tax/VAT & PAYE Please note: While we welcome all applications, we will not consider open bankruptcies, foreclosures or collection accounts. *We do consider higher risk applications, but in some cases security may be required. We do not offer personal loans. As all businesses are different, please feel free to call us obligation free to discuss your loan requirements.

4 Pollen can change your business. Here s how Scenario One Sam is the owner of a busy coffee shop. Business is booming and while he s just managing to keep up with demand during the week, he s struggling to meet coffee orders on weekends. The answer is simple: Sam needs a second industrial coffee machine, but right now, he doesn t have the R he needs to buy one. He s tried applying for a traditional business loan, but hasn t been able to jump all the hurdles. What he really needs to boost future sales is a fast, simple and effective alternative. Solution Pollen can see Sam s consistent income in the form of sales receipts/eftpos transactions. Within three days of Sam s application, we are able to to secure him a facility amount of R with an associated facility fee of R Sam is able to repay the total sum of R through 26 weekly repayments of R2 404 and will be seeing a return on investment before other financial institutions have even processed his application form. Scenario Two Sarah owns a convenience store and buys its best-selling product from a long term supplier. However, because of cash flow issues, she has had to negotiate payment terms of seven days after invoice with her supplier. Solution With a Pollen Business Loan, Sarah has been able to use her business cash flow injection to offer her supplier upfront payment for the stock and negotiate a 5% discount on its best-selling product. Yes, she s paying interest on her loan, but the profits she ll be making month after month will earn her far more than she could ever have hoped to make without it. Plus, thanks to Pollen Finance, she s already making a weekly profit of 5% per week, whereas if she d applied for a traditional loan with another financial institution, she d probably still be waiting for her application to be approved.

5 WE RE HERE TO HELP You re three answers away from securing a Pollen Business Loan and helping your business reach its potential. Answer YES to all three and we ll be speaking to you soon. 1. Have you owned your business and been trading at the same location for at least one year? 2. Does your business have a minimum turnover of R per year? 3. Do you have a successful business lease history and is your rent up to date? If I qualify, how much can I borrow? Pollen Business Loans range from R to R Your loan amount will be based on the strength and consistency of your business as well as your average monthly sales/eftpos or credit card receipts.