Biz2Credit - Improving Capital Access for NJ Businesses

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Connecting Smart People to Smart Choices

• Improving capital access for NJ businesses

April 27, 2009 Biz2Credit, LLC 20 W. 22nd Street,
Suite 706 New York, NY 10010
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Proposal Contents

• Who We Are
• Overview
• Financial knowledge gap
• Loan engine overview
• Partner community
• Benefits
• Overview
• For the lender
• For the borrower
• Next Steps

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Who We Are Company Overview
Biz2Credit is a secure, customizable environment
for small businesses to manage essential
business activities. Proprietary technology
allows them to access analytical tools, transact
credit transactions, and engage professional and
commercial services.

• At a Glance
• Founded in 2007
• Providing education, credit fulfillment, and
  networking services to 25,000 small business
  owners internationally
• Established alliances with 30 national
  international organizations
• Launched national minority and women business
  owner study with over 20 chambers of commerces,
  business associations ethnic media
• Selected by KPMG as one of the 100 hottest
  emerging private companies in the US
• Featured in Entrepreneur Magazine Fall 2008 issue
  as top funding source for businesses
• In the works
• Expanding Proprietary Credit Technology in India

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Small businesses are largely underserved and
disconnected in both developing and developed
economies

• Fractured Credit System
• Most small business owners do not know how to
  use, obtain or select the best type of financing
  to grow their enterprise. This is true in even
  the most sophisticated credit environments.
• Credit accountability is low. Lenders are unable
  to effectively promote valuable financing
  products and communicate with Small and Medium
  Enterprises (SMEs) on a mass scale.
• Business loan brokers are not equipped to
  effectively educate entrepreneurs or stay up to
  date on the latest available financing options
• Little awareness of available resources
• Low internet penetration creates barrier for aid
  organizations to create awareness on assistance
  programs available to SMEs
• There is no go-to resource for SMEs looking to
  gather information on best practices and policies
  on how to set up and grow their company
• Aversion to banking and large financing
  institutions
• General mistrust of banks and large financial
  institutions stems from money lending
  institutions

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Biz2Credits technology provides an unprecedented
level of transparency and access in the credit
market

• Credit Access
• Comprehensive Customized- Proprietary Decision
  Making engine matches entrepreneurs with the loan
  products based on an analysis dual filtration
  of the following criteria
• Businesss capital structure
• Borrowers creditworthiness
• Entrepreneurs preferences
• Lenders prequalification criteria
• Resourceful- Business owners are matched with up
  to 4 financing options that they prequalify for,
  ranked by their preferences. Users can view loan
  product details including the type, rates, term,
  required documentation and lenders contact
  information.
• One step further - Lenders man the system to
  share documents and communicate with business
  owners to process application
• Secure - Document Vault provides users with the
  ability to manage financial docs and share with
  lenders

We provide entrepreneurs with more than just
informed decisions
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Biz2Credit Partner Community
Lenders
Media Organizations
Service Providers

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Solution Platform to Empower Small Business
Owners Connect Lenders

• For the Lender
• Streamline small business financing requests and
  segment campaign criteria by any of the following
  variables Business Profile Industry, Location
  (down to city level), Years in Operation,
  Self-reported credit score, Annual Business
  Revenue, Use of Funds, LTV, Loan Amount, DSR,
  Collateral Characteristics
• Expand outreach mechanism for new clients and
  improve existing service levels
• New! Biz2Credit will integrate personal credit
  rating data to further qualify borrowing requests
  and verify self-reported data
• For the business owner
• Helping to serve well-established businesses and
  the entrepreneurs that often fall into the cracks
  of larger organizations and lenders
• Strengthen online service offerings and growth
  tools for SMEs
• Supply virtual file storage facility to aid
  document collection process
• Extend value-add services to small business
  owners
• Credit education material
• B2B networking tools to grow business revenue

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For the Lender Deepen penetration into small
business community

• Receive highly qualified borrowers by customized
  parameters from Biz2Credit Segment campaign
  criteria by any of the following variables
• Business Profile Industry, Location, Years in
  Operation, Self-reported credit score, Annual
  Business Revenue, Use of Funds, LTV, Loan Amount,
  DSR
• Collateral Characteristics of Real-Estate,
  Equipment, Accounts Receivables, Inventory
• New! Biz2Credit will integrate TransUnions
  personal credit ratings to verify self-reported
  data
• One institutions unbankable is another
  institutions bankable Take advantage of
  Biz2Credits national and well-established lender
  network to service external requests that dont
  meet your lending standards
• Build client relationships and maintain service
  levels with small businesses in your community by
  helping them procure financing

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For the Lender Enhance small business clientele
service offerings build scalable product
introduction platform

• Cut down on processing time with a secure
  document storage tool
• Provide a document sharing and storage facility
  to your small business clients to improve
  document management on a secure SSL enabled
  environment.
• Improve operational efficiency. Share loan
  application materials to more than one user at a
  time.
• Introduce new products or modify qualification
  criteria bank wide boost service levels
• Product offerings introduced on a real-time basis
• Suggestion tool to assist relationship managers
  in selecting Unity bank products to assist the
  particular needs of small business owner
• Monitor the service levels and product
  penetration
• Map progress of loan applications
• Generate reports on product or user performance

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For the Businesses Service Providers A lender
platform to acquire manage small business
financing

• Financing resources and tools that drive growth
  and efficiency
• Businesses and Business service providers can
  leverage Biz2Credits lender agnostic position
• Scope the market for the best available financing
  options based on the businesss financials,
  credit worthiness of the individual and the
  lenders prequalification standards
• Explore loan products from a range of financial
  institutions Certified Development
  Corporations, Micro lenders, Banks, SBA
  intermediaries, etc.
• Quickly and easily access financing options for
  your business or your clients business
• Service financing requests from multiple small
  business owners from one account
• Track progress of financing requests at multiple
  lending institutions through one dashboard
• Organize business plans and documents with free
  virtual file storage facility to aid in document
  collection and transmission process
• Additional value-add for business or business
  community
• Credit education material
• B2B networking tools to grow business reach and
  foster community development

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Next Steps

• ( 1- 2 weeks) Join Biz2Credits credit platform!
• Notify NJ SCORE counselors SBA lenders of
  available resources
• Conduct short system training sessions with
  counselors
• Organize meeting with pilot group of community
  SBA lenders
• Track and perform impact analysis of loan
  disbursement status
• (1 - 2 months) Get involved in Biz2Credits
  knowledge initiatives
• Educate Provide credit education material to
  your members
• Learn Participate in Biz2Credits national study
  of small businesses to better understand the
  current pain points of entrepreneurship.