Your Bank Is Not Your Only Source for Capital. AccuPay Webinar Series

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1 Your Bank Is Not Your Only Source for Capital AccuPay Webinar Series

2 The World of Business Finance After 2008: Bank regulation cash reserves Money to lend? What are my options?

3 What Are Your Needs? Leasing Bridge Loans Cash Advance UNSECURED BUSINESS LOANS Factoring Stock Loans Business Acquisition Financing Debt Restructuring Sale Leasebacks

4 What Funding Options Will We Discuss? Accounts Receivables Equipment Leasing Cash Advance Construction Equipment

5 Accounts Receivable Financing

6 Accounts Receivables Form of financing using A/R as collateral for the loan Focuses on the credit worthiness of the customer Invoices over 30 under 180 days Approvals in 3 days/ funds in 7 days We assist with you re A/R management

7 Asset Based vs. A/R Lending Asset based Good Financials Min 2 yrs TIB Good Personals Good FICO Personal Guarantee BlanketAsset Lien Full Recourse (you risk) Customer pays you Closing days plus Rate prime plus (2 6%) Accounts Receivable No financials (invoices) No min TIB No Personals FICO (550) okay No Guarantee No BlanketLien (UCC1) Non Recourse (lender risk) Lender Collects Closing 3 7 days Rate 3% first 30/ 1% each 10 days after

8 Who needs A/R financing? Any business that issues an invoice oce Companies looking to expand needs cash flow Companies falling behind on Payroll Taxes Paying suppliers General business expenses BECAUSE CUSTOMERS TAKE TOO LONG TO PAY!

9 Documentation for Submission Application Aging Report (credit check on the customers) Clear understanding di of the business situation i What can be achieved with the loan

10 Equipment Lease Financing

11 Equipment Lease Financing Form of financing used to acquire equipment Why lease? Payments that, once paid, may be owned User does not bear the risk of obsolescence Payments tax deductible Does not affect available credit Lease period short term (3 5 years)

12 Types of Equipment Medical equipment Furniture & fixtures HVAC Computers Phone systems Audio visual & sound Trucks Printing equipment Machine tools Dry cleaning equipment Food packaging equipment

13 Types of Equipment Construction equipment Office equipment Vending machines Fitness equipment Energy management equipment Recycling equipment Manufacturing equipment Restaurant equipment Diagnostics equipment Paintball equipment

14 Needed for Lease Financing For leases $75K or less Application (2 pages) Threemonths of bank statements (ave. daily bal.) Credit report Time in business with business cash flow story Leases $75K to $2M needs a full financial package

15 Merchant Cash Advance

16 Merchant Cash Advance For retail merchants that Accept credit cards Up to % advance based on 6 month average Ttl Total cash & credit sales Up to 100% advance on 4 month average

17 Why Cash Advances? Literally NO restrictions Tax payments Inventory Renovations Payroll Expansions

18 Construction Equipment Financing

19 Construction Equipment Financing It is the equipment that qualifies the financing Money in 5 to 10 days Funds for: Working capital Equipment acquisitions No personal guarantee B, C, D Credit accepted

20 Who Needs Financing? Construction companies In business $2,000,000 in revenue Have several pieces of equipment Customers that never pay on time Low credit score/tax lien Needs working capital/equipment

21 Needed for Equipment Financing Application Collateral list 3 months bank statements

22 Whatever Your Financing Needs Navis Financial can help! Eric Gutberlet C: E: