Biz2Credit - Connecting Smart People to Smart Choices

1
Executive Summary
Connecting Smart People to Smart Choices
2
Company
3
Who We Are Company Overview

• At a Glance
• Founded in 2007
• Providing education, credit fulfillment, and
  networking services to 25,000 minority small
  business owners internationally
• Established alliances with 30 national
  international organizations
• Invested over USD 2 million in Patented
  technologies
• Closed 250 million in financing for SME clients
• Selected by KPMG as one of the 100 hottest
  emerging private companies in the US
• Recognized by Entrepreneur Magazine and MSNBC as
  top small business financing resource in US
• Major focus on ethnic groups and emerging mkts
  like India, Brazil, Mexico etc.
• On the Horizon
• Launched national small business owner survey
• Expanded Proprietary Credit Technology in India
• Released Global Entrepreneurial Exchange in Jan.
  09

4
SME challenges worldwide SMEs 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 SMEs on a mass
  scale.
• Business loan brokers and DSAs 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 financial
  institutions
• General mistrust of banks and large financial
  institutions stems from money lending
  institutions

5
We have served SMEs in the US on three fronts1.
Securing Credit2. Building the SME Community3.
Tools for Growing the Business
6
Leveling the credit field Credit is the hub of
the small business life cycle
We provide entrepreneurs with more than just
informed decisions

• Overview of the Biz2Credit Decision-Making Engine
• Patented algorithm in the proprietary Loan
  Decision Making engine matches entrepreneurs with
  the best credit product in the market
• International network of lenders compete for
  small business financing and manage documents on
  platform
• Document Vault provides users with the ability to
  manage financial docs and share with lenders

• Unique algorithm generates best loan products
  within scope of business creditworthiness
  Displays borrower feedback on lenders
• Allows users to manage multiple loan apps from
  dashboard, communicate, and share docs with
  potential lenders
• Displays borrower feedback on lenders

• Ease of use Calculates ratios and user defined
  variables to rank products without requiring
  in-depth financial knowledge
• Transparency Provides side-by-side credit
  product comparison with past borrower feedback
• Resourcefulness Provides secure online
  environment to manage loan application process
  with internal messaging features and document
  storage app

7
Transcending space Biz Exchange Community
delivers local market knowledge to entrepreneurs
worldwide
We give SMEs the opportunity to compete at the
global scale

• Platform to market business services and
  products to global audience of business owners
• Feedback on vendors/service providers worldwide
• Powerful industry networking tool to enter
  foreign markets niche market apps

• Ease of use See the latest activity within
  particular industry, category, location. Acquire
  leads and contact service providers from one
  account
• Transparency Business service provider
  comparison with feedback from fellow business
  owners
• Resourcefulness Expands market reach of small
  businesses without the cost of running a major
  marketing campaign. Provides tools to transact

8
SME tools Supply small business with the
resources and tools to compete with Fortune 500
companies
We deliver technology that helps business owners
complete their transaction and focus on running
their business.

• Secure and centralized document repository for
  file management/sharing
• Inbox/Outbox messaging app transcends language
  barrier
• Feedback history to provide added level of
  comfort in transacting
• Powerful industry networking tool to enter
  foreign markets

• Ease of use Mind your own business! Users only
  see relevant content and updates on their
  industry or market segment
• Transparency Web 2.0 tools provide real-time
  user generated data and collaboration resources
• Resourcefulness Vendor and business knowledge
  on the fly and the tools to transact.

9
Benefits to SMBs

• Increased transparency
• Choice of lenders and ability to contact at will
• Ease of use
• Lower cost of transactions
• Secured digital vault to store documents
• Seamless sharing of documents
• Access to rated service providers like
  accountants, business brokers, CPAs, attorneys,
  business valuers
• Access to value added products like business
  insurance, community , credit ratings etc.

10
Benefits for Lenders

• Lower cost of acquisition and retention
• Get pre qualified exclusive leads
• Use the system to service the existing SMB
  clients
• Benchmark the products and service levels against
  the industry standards
• Participate in knowledge initiatives to get
  insights into the customer needs
• Develop customized credit products