Progressive Capital Group presents

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Progressive Capital Grouppresents

• Business Financing and How It Really Works

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Do You Need Capital For Your Business?

• A business needs capital to
• Sustain Itself
• Allow it to grow
• Are you interested in growing?

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Progressive Capital GroupCan Help!

• Unlimited access to Capital!
• We may be able to help your business!

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A Few Questions

• What do you do?
• Who does your client list consist of?
• Are you involved in B2B transactions?
• Progressive Capital Group Is In That Business
  Arena!

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We Play MatchmakerHow do we do it?

• I am a Professional Business Consultant
• A Professional Business Consultant is a trained
  professional who guides business owners in both
  short and long term business growth. He/She is
  able to speak with business owners on a level
  that will help them operate their business more
  effectively and efficiently. He/She is
  knowledgeable and resourceful individual who
  keeps abreast of industry trends and developments
  for the benefit of their clients, and is able to
  provide business owners with the necessary
  funding to help operate that business.

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As a Professional Business Consultant

• Give you the right information to help your
  business grow
• Provide the capital your business needs for
  capital growth

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I Do That On Whats Called

• Asset-Based Lending
• Collateral-Based Lending
• Do You Know What They Are?

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Asset-Based Lending

• A form of collateral-based lending using the
  following to help put the Funding Source and you
  together. We can work with
• Cash
• Marketable Securities
• Real Estate
• Inventory
• Equipment
• Accounts Receivables
• Do You have any of these things?

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Great!

• What assets do you have that are not encumbered
  (no leins) that you would like me to work with?

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Its Very Simple!

• In order to move forward I need the following

Application
Client List
Aged A/R Report
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NO FEES!

• Its important for you to know that my company
  accepts no up-front fees for applications
• I will get you an answer based on the information
  you provide at no charge to you!

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Point of Interest

• Have You Ever Heard of a Self-Liquidating Trade
  Credit?
• The Self-Liquidating Trade Credit is the one
  most common thing that prevents a business from
  growing as quickly as it should/could.

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What is a Self-Liquidating Trade Credit?

• A B2B transaction term A customer obtains goods
  or products from a business owner on credit, and
  sells the goods or products prior to paying the
  business owner. The goods pay for themselves
  with NO capital outlay.

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Just a Thought

• Under the premise of Self-Liquidating Trade
  Credits, you, the business owner, are acting as a
  bank
• In Theory AND in Practicality, you are financing
  all of your clients!

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Is This You?

• Are you selling product or services on terms or
  credit?
• Are you waiting 30-45-60 days to be paid?
• Are you waiting and waiting and waiting for your
  money?
• We can eliminate your
• Self-Liquidating Trade Credits!

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Ask Yourself

• Would you rather use your money to grow your own
  business
• OR
• Use it to help everyone else grow their
  businesses?

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We Can Help!

• My company has the ability to help you turn your
  assets into cash
• Turning assets into cash is borrowing from your
  own balance sheet Thus creating no debt!
• Have you ever borrowed any money without creating
  any debt?

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Is This Too Good To Be True?

• YES!
• Its Too Good and Its All True!

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Accounts Receivable Financing
Factoring
A/R Financing
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A Very Easy Process
Invoice advanced (80)
Customer pays invoice to bank lockbox
Funding Source pays reserve less fee
Invoice is DEAD!
Thats It!
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A/R Financing

• Works on a Per Diem Basis
• For a business doing 500,000 or more a month in
  business
• Must fund ALL invoices Its an all-or-nothing
  deal

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__________ 400,000 in
Jar
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Lets Take A Look
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How much does it cost?

• 5,000-20,000p/m about 3.50
• 20,000-50,000p/m about 3.00-3.25
• 50,000-150,000p/m about 2.75-3.00
• 150,000-Skys the limit about 2.75 or less

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Cost Breakdown

• An Average
• 3 a Month
• OR
• 1 every 10 days
• i.e. An invoice 45 days old, a 4.5 term will
  apply.

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Real Estate Financing

• Property Value 500,000
• Existing Mortgage -250,000
• Equity 250,000
• Can Finance up to 70 of Equity

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Notes

• We can often offer you money now for a note you
  are collecting on!
• Real Estate, Mortgage, Business, Insurance,
  Contracts and more!

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Most Dont Realize

• Its a known fact that the majority of note
  holders really never wanted the note in the first
  place, and once they realized the inherent risks
  involved decide to sell. The savvy note holders
  learn from their mistakes and get out from under
  a poorly structured note or one with potential
  problems before its too late.

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Questions

• Do you understand the risks involved in holding a
  note?
• Would you be affected if there were a breach in
  payments?
• Do you have any debt that you are paying interest
  on?
• Is the interest on that debt higher than the
  interest you are collecting on your note?
• How many more payments are due to you, and will
  you need some cash before the end of the
  contract?
• What are you doing with the monthly income from
  your note? Are you squandering the money or do
  you have the discipline to invest this money into
  other cash flows, savings, vacation, etc?

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Why You Should Sell

• Avoid late payments
• Insurance liabilities
• Tax problems
• Forclosures
• No out-of-pocket expenses!
• GET THE CASH NOW!

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Instead, You Could Be

• Paying off high interest debts
• Investing in a business, R.E. or stocks
• Pay off tuition
• Buy a new car or boat
• Settle an estate
• Provide for relatives
• Progressive Capital gets you the best offer
  and sells it according to your individual needs!

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Inventory Financing

• Very Discretionary
• Usually Does Not Stand by Itself
• Part of Larger Package

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Equipment Leasing

• Ways of Acquiring Equipment
• Writing a check
• Bank Loan
• Equipment Lease!

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2 Very Important Criterias about Equipment
Leasing

• Cash Flow Product
• Credit Based Product

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What is Off-Balance Sheet Financing How Does
It Relate to Equipment Leasing?
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Off-Balance Sheet Financing

• Financing off the balance sheet
• The acquisition and ultimate creation of an asset
  without creating any debt
• OBSF is a tax deductible expense
• You receive your commission money, NOW!

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Off-Balance Sheet Financing

• A form of financing in which large capital
  expenditures are kept off of a companys balance
  sheet through various classification methods.
  Companies will often use Off Balance sheet to
  keep their debt-to-equity (D/E) and leverage
  ratios low, especially if the inclusion of a
  large expenditure would break negative debt
  covenants.
• Contrast to loans, there is no debt to equity
  in an Equipment Lease. Examples of Off-Balance
  Sheet Financing include joint ventures, research
  and development partnerships and operating leases
  (rather than purchases of capital equipment).
• Equipment Leases are one of the most common
  forms of Off-Balance Sheet Financing. In these
  cases, the asset itself is kept on the Lessors
  balance sheet, and the Lessee reports only the
  required rental expense for use of the asset on
  the income statement.

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Facts About a Lease

• 24, 36, 48, 60, 72, 84, 96, 108, 120 month lease
  depending on client/equipment
• Secured/Unsecured
• Almost all equipment can be leased unless
  hazardous (Firecrackers, Nail Machine, etc.)

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How A Lease Works

• PUT assigned to end of term
• Fees up front include
• First and Last Payment
• Processing Fees (200)
• So whats a PUT?

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PUT

• A sum amount essentially assigned by a lessor
  which when paid at the end of a lease term will
  transfer ownership from the lessor to the lessee
• A PUT can be
• 10-15-20 of original lease amount
• Fair Market Value
• Actual Market Value
• OR

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1.00!
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Is An Equipment Lease A Liability On Your Balance
Sheet?

• No.
• An equipment lease is an expense through the
  entire term of the lease 100 tax deductable.
• When/If the last payment (PUT) is made, It
  becomes an asset on the balance sheet.
• WOW!

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Can You Imagine?

• Having all your money on a C.O.D. basis
• Not being a mailbox watcher
• Having enough Cash in your business checking
  account to pay your bills
• Does this type of financing appeal to you?

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Great!

• All We Need To Do Is
• Review your Financial Statement
• Fill out the necessary documents
• Get you an approval right away!!!

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I dont want to take away too much of your time
as I know there are other things you would like
to be doing.
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Progressive Capital GroupThanks You For Your
Time!

• Contact Ranee Davis Starks at
• Progressive Capital Group
• 2221 Peachtree Road
• Suite D-481
• Atlanta, GA 30309
• [phone] toll free
• [phone] fax
• [phone] mobile
• ranee_at_progressivecapitalgroup.com
• www.progressivecapitalgroup.com