SFO Company Presentation

Corporate OfficeCorporate Office201 W. Stassney Ln. #104201 W. Stassney Ln. #104--BB

Austin, Texas 78745Austin, Texas 78745

Corporate Phone: 512.807.8159 Direct Fax: 888.547.7993Corporate Phone: 512.807.8159 Direct Fax: 888.547.7993Email Address: Email Address: [email protected]@smartfinanceoptions.com Web Site: Web Site: www.smartfinanceoptions.comwww.smartfinanceoptions.com

SMART FINANCE OPTIONSSMART FINANCE OPTIONSSMART FINANCE OPTIONS

Who we areWho we are……..

Smart Finance Options, Inc.Smart Finance Options, Inc. has been serving clients from its Corporate Headquarters in Austin, Texas and from branch offices throughout the US and Mexico since 2003. We offer a wide array of financial services, including Invoice Factoring, Equipment Leasing, Government Finance, Medical Finance, Cross Border Finance, and Business Consulting.

Smart Finance Options, Inc.Smart Finance Options, Inc. is a Business Consultancy Firm and Third Party Intermediary that facilitates private business transactions and provides consulting services to businesses and individuals on or about private business matters.

Our MissionOur Mission is to provide financial solutions for our business clients, and to use our resources and expertise in becoming a value-based partner for end users and vendors alike by affording them easy and flexible terms and access to speedy credit underwriting.


References forReferences forSmart Finance Options, Inc.Smart Finance Options, Inc.Smart Finance Options, Inc.

Dunn & Bradstreet Dunn & Bradstreet -- http://www.dnb.com/us/http://www.dnb.com/us/(SFO Dunn(SFO Dunn’’s # s # 7979--102102--6789)6789)

Austin, Texas BBB Austin, Texas BBB -- http://austin.bbb.org/http://austin.bbb.org/

Texas Secretary of State Texas Secretary of State -- http://www.sos.state.tx.us/corp/index.shtmlhttp://www.sos.state.tx.us/corp/index.shtml

Whether you're a business owner, a finance professional, an equipment sales representative, or a dealer seeking practical knowledge on Commercial Financing, Equipment Leasing, and other business credit vehicles – we are your source. Financing shouldn't be a mystery. The more you know about available options, the more you'll be able to utilize them to your advantage. That's the purpose of this presentation; to provide you with an educational resource that will help you run a more profitable business.


WHY DO BUSINESS WITH US?WHY DO BUSINESS WITH US?

We are a D&B rated Commercial Finance Intermediary with lending connections in many areas of Finance.

When you shop your financing to separate lenders individually, your credit gets pulled by each company, resulting in a lowering of your credit score. Because we know the precise lender for your applicationprecise lender for your application, it is sent to that lender, resulting in only one credit inquiry on your record, maintaining your credit score.

Bottom line - - - we do the shopping for you - - - help to maintain your credit score - - - AND find you the LOWEST rate possible.


The following slides will give you brief information about our financial capabilities:.

► Invoice Factoring (Both USA and International)► Contract Financing (Monetization)► Construction Mobilization Finance► Inventory Finance► Government Finance► Equipment Leasing► Medical Finance► Business to Consumer Contract Finance► Loan Servicing and Debt Recovery► Real Estate Acquisition and Refinance


Invoice FactoringInvoice Factoring is a great tool to use for immediate and predictable cash flow is a great tool to use for immediate and predictable cash flow giving your giving your company the ability to receive cash within 24 hours of submittincompany the ability to receive cash within 24 hours of submitting your invoices, instead of waiting 30g your invoices, instead of waiting 30--60 60 days to receive payment. That immediate infusion of money allowdays to receive payment. That immediate infusion of money allows you the freedom and flexibility to plan s you the freedom and flexibility to plan and manage your firmand manage your firm’’s activities without having to worry about cash flow problems. s activities without having to worry about cash flow problems.

We can purchase your invoices on a recourse or nonWe can purchase your invoices on a recourse or non--recourse basis. Any company creating an invoice recourse basis. Any company creating an invoice to another business is eligible, including:to another business is eligible, including:

MedicalMedical -- Medical factoring works with all different types of billing proMedical factoring works with all different types of billing providers; Medicare, Medicaid, and viders; Medicare, Medicaid, and Private Insurance.Private Insurance.

ConstructionConstruction -- Construction industry have special risks, costs and billing issConstruction industry have special risks, costs and billing issues that many different ues that many different industries do not have. We can work with all different types of industries do not have. We can work with all different types of contractors and subcontractors.contractors and subcontractors.

International FactoringInternational Factoring -- This alternative financial tool allows you to compete and increThis alternative financial tool allows you to compete and increase global sales ase global sales without increasing global risk. Any business can qualify for intwithout increasing global risk. Any business can qualify for international factoring service if: they sell ernational factoring service if: they sell credit worthy international customers or businesses, and have a credit worthy international customers or businesses, and have a minimum need of $100,000 in receivable minimum need of $100,000 in receivable financing monthly. Our specialty is the Latin America markets.financing monthly. Our specialty is the Latin America markets.


CONTRACT MOBILIZATION FINANCECONTRACT MOBILIZATION FINANCEFinancing Equipment Related Service Contracts Financing Equipment Related Service Contracts

A Less Costly Alternative to EquityA Less Costly Alternative to Equity

Monetization Financing refers to the ability of a Vendor or Manufacturer to monetize equipment related service contracts. In other words, convert the equipment lease or rental part of a service contract into cash.

If you work with end users who are investment grade or near investment grade, need equipment to provide the required service, and have a 2-15 year service contract with the end user, we can monetize that service contract by advancing money against the contract at a much more attractive rate than equity lending.

Contact us for complete details.


CONSTRUCTION MOBILIZATION FINANCECONSTRUCTION MOBILIZATION FINANCEGrowing Your Business withGrowing Your Business withMobilization and AR FinanceMobilization and AR Finance

Construction Financing is designed to help contractors take on larger projects and to successfully complete those contracts on budget. Contract Financing gives contractors confidence that they will have enough funds to cover their costs for supplies and equipment on a project all the way through to the end of that project.

The facility includes funds for mobilization before work is done and invoices issued as well as for progress payments as each part of the work is completed and invoiced.


EducationalEducational, , MunicipalMunicipal, , StateState & & CountyCounty FinancingFinancingGovernment Advantage!Government Advantage!

For schools and local government agencies, interest to the investor is exempt from federal tax making the payments lower than commercial rates.

Early Buyout OptionEarly Buyout Option: Available throughout the lease term

Flexible LeaseFlexible Lease: Up to 60 months payment options include monthly, quarterly semi-annual and annual payments, deferred and irregular payments can be financedNonNon--Appropriation ClauseAppropriation Clause:

• The equipment purchase will not be construed as debt.• Agencies have the right to cancel if their annual budget is not approved. • No Security Deposit: For lower rates, advance or down payments are optional.

We assume the cancellation risk for nonWe assume the cancellation risk for non--appropriation of fundsappropriation of fundsfor all governmental agencies as well as nonfor all governmental agencies as well as non--renewal and termination for renewal and termination for

convenience cancellations for Federal Agenciesconvenience cancellations for Federal Agencies


Government FinancingGovernment Financing ((Continued))

Vendors Advantage:Vendors Advantage:

Full PaymentFull Payment: Funding within ten business days of receipt of properly: Funding within ten business days of receipt of properlyexecuted documents.executed documents.

No RecourseNo Recourse: : In most cases financing is like a cash sale to the Vendor.In most cases financing is like a cash sale to the Vendor.

Lease DocumentsLease Documents: Delivered overnight or e: Delivered overnight or e--mailed within 24 hours.mailed within 24 hours.

We assume the cancellation risk for nonWe assume the cancellation risk for non--appropriation of fundsappropriation of fundsfor all governmental agencies as well as nonfor all governmental agencies as well as non--renewal and termination for renewal and termination for

convenience cancellations for Federal Agenciesconvenience cancellations for Federal Agencies


Commercial Lease FinancingCommercial Lease FinancingSmart Finance Options is a full service equipment lessor that can provide a broad range of cost effective and flexible lease programs for its customers. We can customize any program to meet your customer’s cash flow needs.

Why should you leaseWhy should you lease??

Companies choose to lease equipment because leasing represents the best leasing represents the best use of financial resourcesuse of financial resources. Businesses that do not lease operate at a competitive disadvantage. They deny themselves the productivity-enhancing effect of better equipment, which they could otherwise obtain. They operate with older equipment than they could otherwise afford. Ultimately, they may lose the ability to compete, having higher costs and lower productivity than better-run operations.


Medical FinancingMedical FinancingReal EstateReal EstateWorking CapitalWorking CapitalStart Up FinancingStart Up FinancingEquipment LeasingEquipment LeasingDebt ConsolidationDebt ConsolidationAsset Based LendingAsset Based LendingMedical Invoice FactoringMedical Invoice FactoringPractice Sales and AcquisitionPractice Sales and Acquisition

For Healthcare Professionals of all specialties, we are ready to support your needs. It is our mission to provide the best service with the highest standards of ethics. We are members of the Better Business Bureau, and other trade associations. It is according to the integrity and principles of these organizations by which we have founded our company.

We are very interested in talking with you about your needs. Please contact us so we can discuss the opportunities available to you.


BUSINESS TO CONSUMER CONTRACT FINANCEBUSINESS TO CONSUMER CONTRACT FINANCE

Should you decide to acquire financing for your retail installmeShould you decide to acquire financing for your retail installment nt contracts you would immediately be able to have more readily contracts you would immediately be able to have more readily access capital. You could "cash" your retail installment contracaccess capital. You could "cash" your retail installment contracts ts rather than receiving monthly payments over a period of a year, rather than receiving monthly payments over a period of a year, two two years or even three years. years or even three years.

At the same time, you would be creating greater flexibility for At the same time, you would be creating greater flexibility for your your company, while positioning yourself to cut down on the red tape company, while positioning yourself to cut down on the red tape and and paperwork required by traditional financing sources. In additionpaperwork required by traditional financing sources. In addition, by , by financing your retail installment contracts, instead of seeking financing your retail installment contracts, instead of seeking other other avenues of financing such as venture capital, you would not loseavenues of financing such as venture capital, you would not loseany equity in your business.any equity in your business.


LOAN SERVICING and DEBT RECOVERYLOAN SERVICING and DEBT RECOVERY

Many companies find they are good at creating new sales, but notvery good at managing accounts receivable. We contract to manage other company’s accounts receivables for a either a flat fee per account per month or a percentage of the payment that we collect. The fees structure is based on the type of credit that we are servicing.

We offer our collection services with no risk and we will book in delinquent debt at no up front cost to our clients. We keep our collection fee for anything that we collect and if we do not collect, WE DO NOT GET PAID. Our fee for collections is generally 1/3 of the amount collected monthly on both CONSUMER and COMMERCIAL DEBT .


Commercial Real Estate FinanceCommercial Real Estate FinanceFor the Acquisition and Refinance of Commercial Income Property For the Acquisition and Refinance of Commercial Income Property

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We will work with Owner Occupied and Non-Owner Occupied Properties Nationwide

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Let us help you to finance or refinance your Commercial PropertyLet us help you to finance or refinance your Commercial Property


We’re the Key To Your Finance

We look forward to building a profitable and long term business We look forward to building a profitable and long term business relationship relationship with you! Your phone and email inquiries are welcome. with you! Your phone and email inquiries are welcome.

We want your business.We want your business. May we have the opportunity to earn it?May we have the opportunity to earn it?ContactContact InformationInformation

Corporate Office Corporate Office –– Charles Freeland, CEOCharles Freeland, CEO201 W. Stassney Ln. #104-B Austin, Texas 78745 Phone: 512-807-8159

Email: [email protected] Web Site: www.smartfinanceoptions.com

Austin, Texas Office Austin, Texas Office –– Mike Butler, PresidentMike Butler, PresidentPhone: 512-517-8200 ♦ Email: [email protected]

Salt Lake City, Utah Office Salt Lake City, Utah Office –– ReNae Reid, Western Region Vice PresidentReNae Reid, Western Region Vice PresidentPhone: 801-336-0385 ♦ Email: [email protected]

Richmond, Virginia Office Richmond, Virginia Office –– Susan Carlson, Eastern Region Vice PresidentSusan Carlson, Eastern Region Vice PresidentPhone: 804-426-4177 ♦ Email: [email protected]

Mexico Office Mexico Office –– Sergio Veliz, Senior Vice PresidentSergio Veliz, Senior Vice PresidentAv. Mexico 3370, Plaza Bonita, K-O Interior 12, Guadalajara, Jalisco, Mexico CP. 44670

Mexico Phone: (044) (33) 1143-4946 ♦ US Phone: 512-650-3553 ♦ Email: [email protected]


SFO Company Presentation

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