can help you... INCREASE SALES REDUCE COSTS MINIMIZE RISK

can help you... INCREASE SALES REDUCE COSTS MINIMIZE RISK

INCREASE SALES One of the core objectives of Newtek is to help small-business owners grow their sales. We realize that expenses are rising, consumer spending is down, unemployment is high, and access to credit is tougher than it has been in a long time. Therefore, small-business owners are feeling tremendous pressure to find ways to increase revenues and may lack the resources or expertise to do so. We have the experts inhouse as well as the products to help you attract new customers and grow your sales despite these turbulent economic times. 2

INCREASE SALES BUSINESS FINANCING How can Newtek Business Finance help you grow your sales? USE FINANCING TO: Open a new location. Acquire an existing business. Launch a new product. Launch a new marketing initiative. Increase working capital. Increase cash flow. Purchase real estate for business use instead of paying rent. Purchase inventory or equipment. Refinance debt. Invest in a new ecommerce solution. Upgrade your website. Take advantage of search engine optimization. Purchase computer hardware or software to make your business more efficient. THREE ATTRACTIVE FINANCING PROGRAMS Flexible Term Loans with 10-25 years amortization (long-term financing of $50,000 to $10 million) Accounts Receivable Line of Credit (ongoing lines up to $1.5 million) Merchant Cash Advance (short-term financing needs up to $250,000) ACCOUNTS RECEIVABLE MANAGEMENT SERVICES By allowing us to manage your receivables, billing, and collections, you can reallocate your business resources to revenue-generating activities. This service will help you improve your collections process, thus increasing your cash flow. 3

INCREASE SALES WEB SERVICES How can Web Services help you grow your sales? WEB DESIGN Custom web design (or redesign) options for customers with any budget will enable you to have a website you can be proud of and one that will drive customers to your business. We can create an ecommerce site from start to finish so you can sell products and accept payments online. We offer a free Do It Yourself website builder tool. INTERNET MARKETING Search engine optimization, search engine marketing, and Google Maps optimization will increase your site s exposure nationally and locally. We have tools to drive quality traffic to your website, which leads to new customers and increased sales. Improve your rankings in search engines so potential customers can find your site more easily and quickly. WEB HOSTING We have a multimillion-dollar infrastructure and three 24/7 in-house support teams to ensure maximum uptime of all websites and email accounts. We have a Tier-4 data center with the highest levels of security and state-of-the-art technology located in an area that has a minimal threat of natural disasters. We offer a variety of web-hosting plans, depending on customer needs.»» We have robust reporting capabilities regarding the effectiveness of websites. 4

INCREASE SALES ELECTRONIC PAYMENT PROCESSING How can Newtek s Electronic Payment Processing help you grow your sales? ATTRACT NEW CUSTOMERS Most people do not carry cash anymore. Why turn away people who prefer to pay with credit cards and send them to competitors? The process is simple and the benefits far outweigh the costs. We will guide you through the process and educate you along the way. CUSTOMERS WILL SPEND MORE On average, customers will spend 12 to 18 percent more when they can use credit cards instead of cash. We have a variety of gift card programs that motivate customers to come back and spend more. ECOMMERCE SOLUTIONS We can build you an online presence and enable you to take payments on your site. We handle everything in-house. An ecommerce site can be a new revenue stream selling nationally, 24/7. A powerful web presence will help you attract new customers who prefer to shop online. MOBILE COMMERCE Take credit cards through your Smartphone, such as an iphone, BlackBerry, or Android. A variety of programs is available, depending on your needs. Mobile commerce is the latest and fastest-growing segment in electronic payment processing, and we have the products and expertise to guide you. 5

INCREASE SALES PAYROLL SERVICES How can Newtek Payroll Service help you grow your sales? FREE UP YOUR TIME Business owners should spend their time growing sales not handling time-intensive administrative tasks such as payroll. Free up the valuable time of bookkeeping and accounting staff members so they can focus on other tasks. The payroll solution is internet-based, state of the art, simple to use, and extremely robust. 6

REDUCE COSTS One of the core objectives of Newtek is to help small-business owners reduce their expenses. We realize that expenses are rising and consumer spending is down, which makes it very difficult to maintain and grow profits. In many cases, this difficult trend makes survival seem like an uphill battle. A dollar of saved expense goes right to the bottom line, whereas a dollar of added revenue only adds to profit based on the margin of what is sold. At Newtek, we have the in-house experts and products to help you reduce some of your core expenses while receiving Cadillac-quality service, thus keeping you on a path to sustainability and success. 7

WEB SERVICES REDUCE COSTS BUSINESS FINANCING How can Web Services help you reduce your costs? How can Newtek Business Finance help you reduce your costs? WEB DESIGN The free Do It Yourself website builder tool is the cheapest possible solution to take your business online. Our custom web design team completes highquality work at competitive prices and will work within your budget. WEB HOSTING Search engine optimization, search engine marketing, and Google Maps optimization will increase your site s exposure nationally and locally. We offer a variety of cost-effective hosting plans starting at $5.95 per month. We purchase and manage the servers for you, which is much cheaper than doing it yourself or paying a web developer. Triple backup, state-of-the-art infrastructure, and 24/7/365 in-house, U.S.-based support ensure that any downtime of your site and email is minimized. REFINANCE YOUR DEBT We can help refinance higher-cost debt with a 10 to 25-year amortization schedule, thus reducing your monthly payment significantly. ACCOUNTS RECEIVABLE MANAGEMENT/ BILLING SERVICES Outsourcing your billing and receivables management will reduce or eliminate your staffing needs with regard to billing and bookkeeping, thus reducing your overhead expenses. This service will save you valuable time by eliminating your need to print and mail statements and invoices.»» Lockbox services allow for centralized processing of payments, so there is no need to send an employee to the bank. ALL-IN-ONE ECOMMERCE Having all aspects of your ecommerce solution in one place saves you time and money during sales, integration, and customer service processes. We offer low-cost ecommerce integration. Targeted search engine marketing can be more cost-effective than traditional marketing. 8

REDUCE COSTS WEB SERVICES How can Web Services help you reduce your costs? WEB DESIGN The free Do It Yourself website builder tool is the cheapest possible solution to take your business online. Our custom web design team completes high-quality work at competitive prices and will work within your budget. WEB HOSTING Search engine optimization, search engine marketing, and Google Maps optimization will increase your site s exposure nationally and locally. We offer a variety of cost-effective hosting plans starting at $5.95 per month. We purchase and manage the servers for you, which is much cheaper than doing it yourself or paying a web developer. Triple backup, state-of-the-art infrastructure, and 24/7/365 in-house, U.S.-based support ensure that any downtime of your site and email is minimized. ALL-IN-ONE ECOMMERCE Having all aspects of your ecommerce solution in one place saves you time and money during sales, integration, and customer service processes. We offer low-cost ecommerce integration. Targeted search engine marketing can be more cost-effective than traditional marketing. 9

REDUCE COSTS ELECTRONIC PAYMENT PROCESSING How can Newtek s Electronic Payment Processing help you reduce your costs? EDUCATION We take the time to educate each customer on the most efficient ways to process payments. We are well-versed in various aspects of merchant processing, including credit cards, debit cards, checks, ACH, gift cards, ecommerce, and mobile commerce. Our experts will provide education on industry regulations and methods to reduce the chance of chargebacks and fraud all in a PCI-compliant, militarystrength secure environment. COST-EFFECTIVE SOLUTIONS We have competitive and transparent rates and fees. We offer attractive equipment options (purchase, free use, rent, lease, etc.). We offer full rate disclosure no hidden fees and thorough explanations. COST ANALYSIS Send us your statements for a free review and consultation. We offer a free customized cost analysis of current pricing (for those who already take credit cards). We will point out hidden fees that we may be able to reduce or eliminate. NEWTPAY BEATS PAYPAL Start taking payments online using a program that is superior to PayPal. NewtPay has no startup costs, and lower processing costs than PayPal. NewtPay offers faster funding than with PayPal (money is received in 1-2 business days instead of 3-5 business days). NewtPay is a more secure solution, because the customer never has to leave your website. Each customer gets his own personalized merchant account. 10

REDUCE COSTS PAYROLL SERVICES How can Newtek Payroll Service help you reduce your costs? COMPETITIVE PRICING We offer cost savings of 20 percent or more, compared with competitors like ADP and Paychex. Additional features, such as time and attendance and the HR module, are also competitively priced. It s a very competitive offering, compared with PEO product. REDUCED OVERHEAD EXPENSE Reduce or eliminate the need for bookkeeping or payroll staff members.»» Improve efficiency with our product s ease of use, reporting, and functionality. 11

MINIMIZE RISK One of the core objectives of Newtek is to help small-business owners minimize their risks. We live in a complex and ever-changing world. As technology advances, employee and customer theft and fraud will only become more prevalent. It is also possible that the most dangerous risks facing business owners today are the ones they may not even be aware of. It is critical to work with vendors who are credible and reputable, because your business, customer, and personal information is at stake every day. We are a publicly traded company and have been in business for more than 10 years. We are traded on NASDAQ and we currently have more than $60 million in shareholder equity. We are SAS 70 certified and PCI compliant. At Newtek, we have the in-house experts and products to help you minimize your risk so your business can flourish. 12