4 HOUR* EQUIPMENT FINANCING OVERVIEW

“Our obligation is to serve Entreprenuers in growing their business by providing fast and efficient equipment financing. We welcome the oppourtunity to earn your business!”

*Please note that four hour funding is possible upon submission of all requested documents but

Lender makes no representation that every request will fund in this time frame.

4 HOUR EQUIPMENT FINANCING OVERVIEW

Equipment is a crucial need that helps a business thrive by being able to effectively

provide their product or service to their clients. Lender has launched a direct

lending platform to finance equipment transactions up to $500,000. Through a

strategic relationship with a Fin-tech platform, Lender closes transactions in its

name and reserves the right to either assign, sell or hold the paper on each new

equipment loan it makes. Since it is operating on a Fin-tech platform lender has the

ability to finance clients in as little as four hours to twenty four hours across

multiple types of equipment and industries.

1. FOUR HOUR EQUIPMENT FINANCING PROGRAM

2. What We Do:

As a direct lender we provide fast funding through a working term loan product for

equipment transactions across multiple industries.

-Deal Sizes- 5k to 500k

-Purchase and Cash out Refi

-Rates 7%+

-3-5 year terms

-Monthly amortization

-Up to 100% Financing

-Minimum 2 years in business

-No Startups

-Minimum 620 credit score

-Restricted Industries: Bars, Collection/Telemarketing agencies, Fitness/Gyms

operating for less than 5 years under current ownership , Restaurants operating for

less than 5 years under current ownership , Internet Service Providers, Application

Service Providers , Mortgage brokers, Property Managers , Cash-advance

companies, Racing: MotoCross, NASCAR, etc. Radio/Television stations,

Gaming/Casinos , and Oil/Gas related companies

Restricted types of equipment: Advertising programs , Amusement park,

Playground equipment, Airplanes, Automated Teller Machines, Decompression

tables costing over $25,000 , Energy-saving equipment , Hazardous waste

equipment, Hood/exhaust systems, HVAC, Inflatables, Irrigation systems, Kiosks,

Permanent fixtures, Pre-fabricated buildings, Satellites, Solar panels, Spray tanning

booths, Tanning beds, Trains, Underground equipment, Vending equipment ,

Water coolers and Water filtration units

-Target Industries: Construction, Agriculture, Transportation, Medical, Hospitality

FF & E, Sports Rental Equipment (ATV’s), Marine, IT, Manufacturing,

Technology, Software, Automotive, Professional Services, Healthcare and

Pharmaceuticals

3. What Items we need for underwriting;

*Different levels of documentation are needed based on funding amounts:

a. Transactions up to 75k

1. 620+ credit score

2. 2-3+ years in business

3. Application only

b. Transactions up to 100k

1. 650+ credit score

2. 3+ years in business

3. Application only

c. Transactions from 100-250k

1. 650+ credit score

2. 3+ years in business

3. Last 2 years’ corporate returns or audited statements

4. Current year interim financial statements, including debt schedule

5. Last 2 years’ personal returns on ALL guarantors

6. Application

d. Transactions from $250,001-500k

1. 1. 650+ credit score

2. 3+ years in business

3. Last 3 years’ corporate returns or audited statements

4. Current year interim financial statements, including debt schedule

5. Last 3 years’ personal returns on ALL guarantors

6. Application

7. Personal Financial Statements of all borrowers

4. Documentation

1. All insurance requests must list our servicer as outlined by lender for

additional insured and loss payee

2. All Vendor invoices must have the “bill to” and “ship to” listed as the

borrower

Note: ACH is mandatory on all deals – NO EXCEPTIONS.

3. Information necessary for titled and non-titled equipment

-Year, make, and model

-Mileage

-VIN number for titled; serial number for non-titled

-Invoices must include the seller name, address and contact

information, as well -as buyer name and address and ship-to address

-Costs must be itemized (for example cost of equipment, tax

shipping/hauling/delivery charges, installation, etc.)

-Must be dated within the past 45 days

4. Funding process • Once the equipment is delivered, our servicer will call the borrower to

confirm the equipment has been installed and is working correctly

• After obtaining the borrower’s approval and completing any required site

inspections, our servicer will fund the vendor(s) directly via ACH, overnight

check or wire

• Pre-funding is available, with approval prior to documentation. A pre-fund

may require multiple site inspections, depending on the vendor, equipment,

location, etc. Additional fees may apply.

-Upon funding client will deal with our servicer going forward for handling

of payments, defaults, collections, etc.

5. Fees

• Documentation fee (required for every loan): $150

• Site inspection fee: $150

Example types of sports and power sports equipment we fund:

Scooters and Motorcycles -Skis and Snowboards

Personal Watercraft (PWC) -Bicycles

Jet skis -Boats

All terrain vehicles (ATVs) -Dune Buggies

Snowmobiles

Kayaks and paddleboards -Operations equipment

Autoclaves

Ovens

Balancers, blenders and mixers

Capsule preparation equipment

Counting equipment

Filtration machines

Fluid transfer pumps

Medical testing equipment

Cranes, bulldozers, dump trucks and excavators

Concrete equipment

Cranes and lift equipment

com

Welding and metalworking tools

Forklift and warehouse equipment

Skid steer loader

puters

Drills and jackhammers

Compressors

CAD software and

Generators

Milling Machinery

Cranes, bulldozers, dump trucks and excavators Conveyer Belts

Machine tools Seeders, Cultivators,

Chutes

Welding and metalworking tools Material Handling

Equipment

Forklift and warehouse equipment Operations Equipment

Skid steer loader Field Harvestors

Milling machinery

Precision tools, grinders and cutters

Farm tractors

Front-end loaders

Computer diagnostic equipment Loaner Vehicles

Emissions and engine analyzers Shop Lighting

Auto lift systems

Computer systems

Tire changing machines

Air compressors

Hand, power and air tools

Automatic car washing systems

Tow trucks

Commercial trucks Delivery Trucks

Tractors Yard Trucks

Transport buses Auxiliary Power Units

Vehicle service lifts Operations Equipment

Repair tools

Long-haul semi trucks

Heavy duty vehicles

Flat bed trucks

Tow trucks

Ship docking Rental Jet Skis

Commercial fishing equipment Commercial Fishing Boats

Rental kayaks

Depth finders

Excursion boats

Ferry and passenger transportation

Lines and anchors

Diving equipment

Rental boats

Property management systems Mattresses

Restaurant equipment Drapes

IT and telephone systems Exterior Signage

Case goods Gym Equipment

Brand conversions Office Computers

Televisions

Room heating and cooling units

LED lighting

Lobby remodels

Carpeting

Office waiting room furniture

Office lighting

Company vehicles

Computer systems

Office desks, chairs and cabinets

Phone systems

Computer software

Office signage

Business and operations equipment

Rental pianos DJ Equipment

Rental instruments Microphones

PA systems Digital Editing Software

Specialty lighting Operations Equipment

Computer systems

Soundboards

Video projectors

Speakers

Recording equipment

Digital printers Surveillance Cameras and

Systems

3D printers Computer Software

Imaging systems POS Systems

Inventory tracking Data Storage and Servers

Video equipment Operations Equipment

Computer systems

Lab/testing equipment

Phone systems

Networking equipment

Medical record systems Physical Therapy Equipment

Specialized lab equipment Optometry Equipment

X-ray machines Delivery and Transportation

Vehicles

Ultrasound scanners

CT and PET systems

Waiting room furniture

Exam room tables

Wheelchairs

To begin the application process, please send to your finance consultant the

requested documentation per your request.