Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 2
>
Prepared exclusively for
D Michael Costello Principal
DECOSIMOChattanooga
TennesseeFebruary 22 2012Mark Mandula
Managing PartnerMatt Perkins
Relationship Executive
United Capital Funding 3
Presentation Overview
SME Business Environment
Who are weWhat services do we
provide Why should we market
thisHow can we be most
effectiveWhat ToolsQuestion and Answer
United Capital Funding 4
United Capital Funding 5
United Capital Funding 6
United Capital Funding 7
United Capital Funding 8
United Capital Funding 9
United Capital Funding 10
United Capital Funding 11
United Capital Funding 12
United Capital Funding 13
Small Business Optimism Index
80
85
90
95
100
105
110
10371037
1025
9981008100810111009
100
1037
1012101410111015
98
1001
985
967
981
959
994
1007997
965
989982973968972
96
976
963973962
944946
918929
896
915
893892882
911
929
875878
852841
826
81
868
889879
865
88688889188388
893
88
868
906
922
8988188789
917
932926
941945
919912909
899
881
f(x) = minus 490016967842552 ln(x) + 110424962928854Rsup2 = 0639562714980089
January 2005 to Month to date 2011Seasonally Adjusted 1986 = 100
14United Capital Funding
15United Capital Funding
16United Capital Funding
17United Capital Funding
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Prepared exclusively for
D Michael Costello Principal
DECOSIMOChattanooga
TennesseeFebruary 22 2012Mark Mandula
Managing PartnerMatt Perkins
Relationship Executive
United Capital Funding 3
Presentation Overview
SME Business Environment
Who are weWhat services do we
provide Why should we market
thisHow can we be most
effectiveWhat ToolsQuestion and Answer
United Capital Funding 4
United Capital Funding 5
United Capital Funding 6
United Capital Funding 7
United Capital Funding 8
United Capital Funding 9
United Capital Funding 10
United Capital Funding 11
United Capital Funding 12
United Capital Funding 13
Small Business Optimism Index
80
85
90
95
100
105
110
10371037
1025
9981008100810111009
100
1037
1012101410111015
98
1001
985
967
981
959
994
1007997
965
989982973968972
96
976
963973962
944946
918929
896
915
893892882
911
929
875878
852841
826
81
868
889879
865
88688889188388
893
88
868
906
922
8988188789
917
932926
941945
919912909
899
881
f(x) = minus 490016967842552 ln(x) + 110424962928854Rsup2 = 0639562714980089
January 2005 to Month to date 2011Seasonally Adjusted 1986 = 100
14United Capital Funding
15United Capital Funding
16United Capital Funding
17United Capital Funding
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Presentation Overview
SME Business Environment
Who are weWhat services do we
provide Why should we market
thisHow can we be most
effectiveWhat ToolsQuestion and Answer
United Capital Funding 4
United Capital Funding 5
United Capital Funding 6
United Capital Funding 7
United Capital Funding 8
United Capital Funding 9
United Capital Funding 10
United Capital Funding 11
United Capital Funding 12
United Capital Funding 13
Small Business Optimism Index
80
85
90
95
100
105
110
10371037
1025
9981008100810111009
100
1037
1012101410111015
98
1001
985
967
981
959
994
1007997
965
989982973968972
96
976
963973962
944946
918929
896
915
893892882
911
929
875878
852841
826
81
868
889879
865
88688889188388
893
88
868
906
922
8988188789
917
932926
941945
919912909
899
881
f(x) = minus 490016967842552 ln(x) + 110424962928854Rsup2 = 0639562714980089
January 2005 to Month to date 2011Seasonally Adjusted 1986 = 100
14United Capital Funding
15United Capital Funding
16United Capital Funding
17United Capital Funding
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 5
United Capital Funding 6
United Capital Funding 7
United Capital Funding 8
United Capital Funding 9
United Capital Funding 10
United Capital Funding 11
United Capital Funding 12
United Capital Funding 13
Small Business Optimism Index
80
85
90
95
100
105
110
10371037
1025
9981008100810111009
100
1037
1012101410111015
98
1001
985
967
981
959
994
1007997
965
989982973968972
96
976
963973962
944946
918929
896
915
893892882
911
929
875878
852841
826
81
868
889879
865
88688889188388
893
88
868
906
922
8988188789
917
932926
941945
919912909
899
881
f(x) = minus 490016967842552 ln(x) + 110424962928854Rsup2 = 0639562714980089
January 2005 to Month to date 2011Seasonally Adjusted 1986 = 100
14United Capital Funding
15United Capital Funding
16United Capital Funding
17United Capital Funding
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 6
United Capital Funding 7
United Capital Funding 8
United Capital Funding 9
United Capital Funding 10
United Capital Funding 11
United Capital Funding 12
United Capital Funding 13
Small Business Optimism Index
80
85
90
95
100
105
110
10371037
1025
9981008100810111009
100
1037
1012101410111015
98
1001
985
967
981
959
994
1007997
965
989982973968972
96
976
963973962
944946
918929
896
915
893892882
911
929
875878
852841
826
81
868
889879
865
88688889188388
893
88
868
906
922
8988188789
917
932926
941945
919912909
899
881
f(x) = minus 490016967842552 ln(x) + 110424962928854Rsup2 = 0639562714980089
January 2005 to Month to date 2011Seasonally Adjusted 1986 = 100
14United Capital Funding
15United Capital Funding
16United Capital Funding
17United Capital Funding
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 7
United Capital Funding 8
United Capital Funding 9
United Capital Funding 10
United Capital Funding 11
United Capital Funding 12
United Capital Funding 13
Small Business Optimism Index
80
85
90
95
100
105
110
10371037
1025
9981008100810111009
100
1037
1012101410111015
98
1001
985
967
981
959
994
1007997
965
989982973968972
96
976
963973962
944946
918929
896
915
893892882
911
929
875878
852841
826
81
868
889879
865
88688889188388
893
88
868
906
922
8988188789
917
932926
941945
919912909
899
881
f(x) = minus 490016967842552 ln(x) + 110424962928854Rsup2 = 0639562714980089
January 2005 to Month to date 2011Seasonally Adjusted 1986 = 100
14United Capital Funding
15United Capital Funding
16United Capital Funding
17United Capital Funding
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 8
United Capital Funding 9
United Capital Funding 10
United Capital Funding 11
United Capital Funding 12
United Capital Funding 13
Small Business Optimism Index
80
85
90
95
100
105
110
10371037
1025
9981008100810111009
100
1037
1012101410111015
98
1001
985
967
981
959
994
1007997
965
989982973968972
96
976
963973962
944946
918929
896
915
893892882
911
929
875878
852841
826
81
868
889879
865
88688889188388
893
88
868
906
922
8988188789
917
932926
941945
919912909
899
881
f(x) = minus 490016967842552 ln(x) + 110424962928854Rsup2 = 0639562714980089
January 2005 to Month to date 2011Seasonally Adjusted 1986 = 100
14United Capital Funding
15United Capital Funding
16United Capital Funding
17United Capital Funding
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 9
United Capital Funding 10
United Capital Funding 11
United Capital Funding 12
United Capital Funding 13
Small Business Optimism Index
80
85
90
95
100
105
110
10371037
1025
9981008100810111009
100
1037
1012101410111015
98
1001
985
967
981
959
994
1007997
965
989982973968972
96
976
963973962
944946
918929
896
915
893892882
911
929
875878
852841
826
81
868
889879
865
88688889188388
893
88
868
906
922
8988188789
917
932926
941945
919912909
899
881
f(x) = minus 490016967842552 ln(x) + 110424962928854Rsup2 = 0639562714980089
January 2005 to Month to date 2011Seasonally Adjusted 1986 = 100
14United Capital Funding
15United Capital Funding
16United Capital Funding
17United Capital Funding
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 10
United Capital Funding 11
United Capital Funding 12
United Capital Funding 13
Small Business Optimism Index
80
85
90
95
100
105
110
10371037
1025
9981008100810111009
100
1037
1012101410111015
98
1001
985
967
981
959
994
1007997
965
989982973968972
96
976
963973962
944946
918929
896
915
893892882
911
929
875878
852841
826
81
868
889879
865
88688889188388
893
88
868
906
922
8988188789
917
932926
941945
919912909
899
881
f(x) = minus 490016967842552 ln(x) + 110424962928854Rsup2 = 0639562714980089
January 2005 to Month to date 2011Seasonally Adjusted 1986 = 100
14United Capital Funding
15United Capital Funding
16United Capital Funding
17United Capital Funding
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 11
United Capital Funding 12
United Capital Funding 13
Small Business Optimism Index
80
85
90
95
100
105
110
10371037
1025
9981008100810111009
100
1037
1012101410111015
98
1001
985
967
981
959
994
1007997
965
989982973968972
96
976
963973962
944946
918929
896
915
893892882
911
929
875878
852841
826
81
868
889879
865
88688889188388
893
88
868
906
922
8988188789
917
932926
941945
919912909
899
881
f(x) = minus 490016967842552 ln(x) + 110424962928854Rsup2 = 0639562714980089
January 2005 to Month to date 2011Seasonally Adjusted 1986 = 100
14United Capital Funding
15United Capital Funding
16United Capital Funding
17United Capital Funding
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 12
United Capital Funding 13
Small Business Optimism Index
80
85
90
95
100
105
110
10371037
1025
9981008100810111009
100
1037
1012101410111015
98
1001
985
967
981
959
994
1007997
965
989982973968972
96
976
963973962
944946
918929
896
915
893892882
911
929
875878
852841
826
81
868
889879
865
88688889188388
893
88
868
906
922
8988188789
917
932926
941945
919912909
899
881
f(x) = minus 490016967842552 ln(x) + 110424962928854Rsup2 = 0639562714980089
January 2005 to Month to date 2011Seasonally Adjusted 1986 = 100
14United Capital Funding
15United Capital Funding
16United Capital Funding
17United Capital Funding
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 13
Small Business Optimism Index
80
85
90
95
100
105
110
10371037
1025
9981008100810111009
100
1037
1012101410111015
98
1001
985
967
981
959
994
1007997
965
989982973968972
96
976
963973962
944946
918929
896
915
893892882
911
929
875878
852841
826
81
868
889879
865
88688889188388
893
88
868
906
922
8988188789
917
932926
941945
919912909
899
881
f(x) = minus 490016967842552 ln(x) + 110424962928854Rsup2 = 0639562714980089
January 2005 to Month to date 2011Seasonally Adjusted 1986 = 100
14United Capital Funding
15United Capital Funding
16United Capital Funding
17United Capital Funding
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Small Business Optimism Index
80
85
90
95
100
105
110
10371037
1025
9981008100810111009
100
1037
1012101410111015
98
1001
985
967
981
959
994
1007997
965
989982973968972
96
976
963973962
944946
918929
896
915
893892882
911
929
875878
852841
826
81
868
889879
865
88688889188388
893
88
868
906
922
8988188789
917
932926
941945
919912909
899
881
f(x) = minus 490016967842552 ln(x) + 110424962928854Rsup2 = 0639562714980089
January 2005 to Month to date 2011Seasonally Adjusted 1986 = 100
14United Capital Funding
15United Capital Funding
16United Capital Funding
17United Capital Funding
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
15United Capital Funding
16United Capital Funding
17United Capital Funding
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
16United Capital Funding
17United Capital Funding
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
17United Capital Funding
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
18United Capital Funding
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Single Most Important Issue
8
4
5
3
4
86 18
19
25
September 2011 Cost Insurance
Quality of Labor
Competition Larger
Cost of Labor
FinancingInterest Cost
Other
Inflation
Taxes
Red Tape
Poor Sales
United Capital Funding 19
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 20
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 21
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
22United Capital Funding
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
23United Capital Funding
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 24
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 25
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 26
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 27
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 28
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 29
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 30
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 31
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 32
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding
April 1997 National practice
banking ldquorootsrdquo SBA Award CPA BackgroundGoal Not vendor a
partnerRelationship not
transaction businessFirst Tennessee
strategic alliance United Capital Funding 33
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 34
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 35
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Firm and Industry Niche firm exceptional
track record in domestic Factoring sector
Grossly underserved market with significant growth potential
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 40
United Capital Funding 41
United Capital Funding 42
United Capital Funding 43
United Capital Funding 44
Leadership Exceptional depth in
ownership and management group
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 41
United Capital Funding 42
United Capital Funding 43
United Capital Funding 44
Leadership Exceptional depth in
ownership and management group
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 42
United Capital Funding 43
United Capital Funding 44
Leadership Exceptional depth in
ownership and management group
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 43
United Capital Funding 44
Leadership Exceptional depth in
ownership and management group
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 44
Leadership Exceptional depth in
ownership and management group
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Leadership Exceptional depth in
ownership and management group
Ivan Baker CPA CFO Since formation 1998 Board of Directors
Commercial Finance Association International Finance Association
Chris Youmans CPA President COO since 2000
Mark Mandula CMO Since 2000
Involved Board of Directors Excellent Partners Well trained seasoned
professional team members United Capital Funding 45
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Cornerstone Positions We must at all times have an
uncompromising determination to achieve excellence
We must be assertive but fair to our competition
Teamwork is critical There is no room for people who put their personal interests first
Complacency will lead to extinction
Our goal is provide consistent returns to our shareholders by serving our clients well
United Capital Funding 46
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Success Drivers
United Capital Funding 47
Well seasoned leadershipClose client contact Successful navigation thru numerous
economic cyclesContinuous improvement in client
servicingExpertise in execution and technologyOnline tools + high touch = best of
both worlds
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 48
How do we combine technology and social interactionto create value
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Our Practice Focus
ldquoIn good times trusted client partnerships will fill your sails with wind in a difficult economy they provide essential ballast that will keep you on an even keelrdquo
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 53
What is FactoringAccounts Receivable factoring Purchase invoice advancing of the
face value of the invoice [usually 80] Balance less fees and reserve remitted
to client upon collection by our lockbox Notification + verification based
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
What is FactoringAccounts Receivable factoring Purchase invoice advancing of the
face value of the invoice [usually 80] Balance less fees and reserve remitted
to client upon collection by our lockbox Notification + verification based
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 55
What this is nothellipNOT a loanNOT based on net
worth or cash flowNOT lender ldquolast
resortrdquo Time in business is
not important Serve as ldquocredit
manager andor outsource partnerrdquo
United Capital Funding 56
Professional Services Accounts Receivable
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 57
United Capital Funding 58
Client Attributes$0 to $25 Million Any stage lifecycleLimited collateralFunding in most
industries but not construction and medical firms
Startups okClient must have
sufficient margin
United Capital Funding 59
United Capital Funding 60
United Capital Funding 61
Primary Industries Funded
Staffing37
portfolioAll kinds
United Capital Funding 62
Primary Industries Funded
Manufacturing
18 portfolio
United Capital Funding 63
Primary Industries Funded
bull Distribution bull 11 Portfolio
United Capital Funding 64
Primary Industries Funded
Technology9 portfolio
United Capital Funding 65
Primary Industries Funded
bull Servicebull 17 Portfolio
United Capital Funding 66
Extensive Government AR
Federal State Local Other
Quasi Government
Universities School
Districts
United Capital Funding
Operating PhilosophyRelationship not
transaction orientation
Constant ongoing monitoring of QOS
Written confidential client new client Application surveys
ldquoGradingrdquo partners
67
Operating PhilosophyVery selective Personal credit
screening FICOInitial amp ongoing
Due DiligenceExisting clients key
source of new clients via referrals
Professional network
United Capital Funding 68
Client Funded FICO
69
20022003
20042005
20062007
20082009
20102011 YTD
600
620
640
660
680
700
720
638 640648 652 655
649 652661
671
702
Percentage change YTD = 469 year average = 652
United Capital Funding
United Capital Funding 70
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
What this is nothellipNOT a loanNOT based on net
worth or cash flowNOT lender ldquolast
resortrdquo Time in business is
not important Serve as ldquocredit
manager andor outsource partnerrdquo
United Capital Funding 56
Professional Services Accounts Receivable
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 57
United Capital Funding 58
Client Attributes$0 to $25 Million Any stage lifecycleLimited collateralFunding in most
industries but not construction and medical firms
Startups okClient must have
sufficient margin
United Capital Funding 59
United Capital Funding 60
United Capital Funding 61
Primary Industries Funded
Staffing37
portfolioAll kinds
United Capital Funding 62
Primary Industries Funded
Manufacturing
18 portfolio
United Capital Funding 63
Primary Industries Funded
bull Distribution bull 11 Portfolio
United Capital Funding 64
Primary Industries Funded
Technology9 portfolio
United Capital Funding 65
Primary Industries Funded
bull Servicebull 17 Portfolio
United Capital Funding 66
Extensive Government AR
Federal State Local Other
Quasi Government
Universities School
Districts
United Capital Funding
Operating PhilosophyRelationship not
transaction orientation
Constant ongoing monitoring of QOS
Written confidential client new client Application surveys
ldquoGradingrdquo partners
67
Operating PhilosophyVery selective Personal credit
screening FICOInitial amp ongoing
Due DiligenceExisting clients key
source of new clients via referrals
Professional network
United Capital Funding 68
Client Funded FICO
69
20022003
20042005
20062007
20082009
20102011 YTD
600
620
640
660
680
700
720
638 640648 652 655
649 652661
671
702
Percentage change YTD = 469 year average = 652
United Capital Funding
United Capital Funding 70
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Professional Services Accounts Receivable
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 57
United Capital Funding 58
Client Attributes$0 to $25 Million Any stage lifecycleLimited collateralFunding in most
industries but not construction and medical firms
Startups okClient must have
sufficient margin
United Capital Funding 59
United Capital Funding 60
United Capital Funding 61
Primary Industries Funded
Staffing37
portfolioAll kinds
United Capital Funding 62
Primary Industries Funded
Manufacturing
18 portfolio
United Capital Funding 63
Primary Industries Funded
bull Distribution bull 11 Portfolio
United Capital Funding 64
Primary Industries Funded
Technology9 portfolio
United Capital Funding 65
Primary Industries Funded
bull Servicebull 17 Portfolio
United Capital Funding 66
Extensive Government AR
Federal State Local Other
Quasi Government
Universities School
Districts
United Capital Funding
Operating PhilosophyRelationship not
transaction orientation
Constant ongoing monitoring of QOS
Written confidential client new client Application surveys
ldquoGradingrdquo partners
67
Operating PhilosophyVery selective Personal credit
screening FICOInitial amp ongoing
Due DiligenceExisting clients key
source of new clients via referrals
Professional network
United Capital Funding 68
Client Funded FICO
69
20022003
20042005
20062007
20082009
20102011 YTD
600
620
640
660
680
700
720
638 640648 652 655
649 652661
671
702
Percentage change YTD = 469 year average = 652
United Capital Funding
United Capital Funding 70
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 58
Client Attributes$0 to $25 Million Any stage lifecycleLimited collateralFunding in most
industries but not construction and medical firms
Startups okClient must have
sufficient margin
United Capital Funding 59
United Capital Funding 60
United Capital Funding 61
Primary Industries Funded
Staffing37
portfolioAll kinds
United Capital Funding 62
Primary Industries Funded
Manufacturing
18 portfolio
United Capital Funding 63
Primary Industries Funded
bull Distribution bull 11 Portfolio
United Capital Funding 64
Primary Industries Funded
Technology9 portfolio
United Capital Funding 65
Primary Industries Funded
bull Servicebull 17 Portfolio
United Capital Funding 66
Extensive Government AR
Federal State Local Other
Quasi Government
Universities School
Districts
United Capital Funding
Operating PhilosophyRelationship not
transaction orientation
Constant ongoing monitoring of QOS
Written confidential client new client Application surveys
ldquoGradingrdquo partners
67
Operating PhilosophyVery selective Personal credit
screening FICOInitial amp ongoing
Due DiligenceExisting clients key
source of new clients via referrals
Professional network
United Capital Funding 68
Client Funded FICO
69
20022003
20042005
20062007
20082009
20102011 YTD
600
620
640
660
680
700
720
638 640648 652 655
649 652661
671
702
Percentage change YTD = 469 year average = 652
United Capital Funding
United Capital Funding 70
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Client Attributes$0 to $25 Million Any stage lifecycleLimited collateralFunding in most
industries but not construction and medical firms
Startups okClient must have
sufficient margin
United Capital Funding 59
United Capital Funding 60
United Capital Funding 61
Primary Industries Funded
Staffing37
portfolioAll kinds
United Capital Funding 62
Primary Industries Funded
Manufacturing
18 portfolio
United Capital Funding 63
Primary Industries Funded
bull Distribution bull 11 Portfolio
United Capital Funding 64
Primary Industries Funded
Technology9 portfolio
United Capital Funding 65
Primary Industries Funded
bull Servicebull 17 Portfolio
United Capital Funding 66
Extensive Government AR
Federal State Local Other
Quasi Government
Universities School
Districts
United Capital Funding
Operating PhilosophyRelationship not
transaction orientation
Constant ongoing monitoring of QOS
Written confidential client new client Application surveys
ldquoGradingrdquo partners
67
Operating PhilosophyVery selective Personal credit
screening FICOInitial amp ongoing
Due DiligenceExisting clients key
source of new clients via referrals
Professional network
United Capital Funding 68
Client Funded FICO
69
20022003
20042005
20062007
20082009
20102011 YTD
600
620
640
660
680
700
720
638 640648 652 655
649 652661
671
702
Percentage change YTD = 469 year average = 652
United Capital Funding
United Capital Funding 70
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 60
United Capital Funding 61
Primary Industries Funded
Staffing37
portfolioAll kinds
United Capital Funding 62
Primary Industries Funded
Manufacturing
18 portfolio
United Capital Funding 63
Primary Industries Funded
bull Distribution bull 11 Portfolio
United Capital Funding 64
Primary Industries Funded
Technology9 portfolio
United Capital Funding 65
Primary Industries Funded
bull Servicebull 17 Portfolio
United Capital Funding 66
Extensive Government AR
Federal State Local Other
Quasi Government
Universities School
Districts
United Capital Funding
Operating PhilosophyRelationship not
transaction orientation
Constant ongoing monitoring of QOS
Written confidential client new client Application surveys
ldquoGradingrdquo partners
67
Operating PhilosophyVery selective Personal credit
screening FICOInitial amp ongoing
Due DiligenceExisting clients key
source of new clients via referrals
Professional network
United Capital Funding 68
Client Funded FICO
69
20022003
20042005
20062007
20082009
20102011 YTD
600
620
640
660
680
700
720
638 640648 652 655
649 652661
671
702
Percentage change YTD = 469 year average = 652
United Capital Funding
United Capital Funding 70
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 61
Primary Industries Funded
Staffing37
portfolioAll kinds
United Capital Funding 62
Primary Industries Funded
Manufacturing
18 portfolio
United Capital Funding 63
Primary Industries Funded
bull Distribution bull 11 Portfolio
United Capital Funding 64
Primary Industries Funded
Technology9 portfolio
United Capital Funding 65
Primary Industries Funded
bull Servicebull 17 Portfolio
United Capital Funding 66
Extensive Government AR
Federal State Local Other
Quasi Government
Universities School
Districts
United Capital Funding
Operating PhilosophyRelationship not
transaction orientation
Constant ongoing monitoring of QOS
Written confidential client new client Application surveys
ldquoGradingrdquo partners
67
Operating PhilosophyVery selective Personal credit
screening FICOInitial amp ongoing
Due DiligenceExisting clients key
source of new clients via referrals
Professional network
United Capital Funding 68
Client Funded FICO
69
20022003
20042005
20062007
20082009
20102011 YTD
600
620
640
660
680
700
720
638 640648 652 655
649 652661
671
702
Percentage change YTD = 469 year average = 652
United Capital Funding
United Capital Funding 70
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 62
Primary Industries Funded
Manufacturing
18 portfolio
United Capital Funding 63
Primary Industries Funded
bull Distribution bull 11 Portfolio
United Capital Funding 64
Primary Industries Funded
Technology9 portfolio
United Capital Funding 65
Primary Industries Funded
bull Servicebull 17 Portfolio
United Capital Funding 66
Extensive Government AR
Federal State Local Other
Quasi Government
Universities School
Districts
United Capital Funding
Operating PhilosophyRelationship not
transaction orientation
Constant ongoing monitoring of QOS
Written confidential client new client Application surveys
ldquoGradingrdquo partners
67
Operating PhilosophyVery selective Personal credit
screening FICOInitial amp ongoing
Due DiligenceExisting clients key
source of new clients via referrals
Professional network
United Capital Funding 68
Client Funded FICO
69
20022003
20042005
20062007
20082009
20102011 YTD
600
620
640
660
680
700
720
638 640648 652 655
649 652661
671
702
Percentage change YTD = 469 year average = 652
United Capital Funding
United Capital Funding 70
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 63
Primary Industries Funded
bull Distribution bull 11 Portfolio
United Capital Funding 64
Primary Industries Funded
Technology9 portfolio
United Capital Funding 65
Primary Industries Funded
bull Servicebull 17 Portfolio
United Capital Funding 66
Extensive Government AR
Federal State Local Other
Quasi Government
Universities School
Districts
United Capital Funding
Operating PhilosophyRelationship not
transaction orientation
Constant ongoing monitoring of QOS
Written confidential client new client Application surveys
ldquoGradingrdquo partners
67
Operating PhilosophyVery selective Personal credit
screening FICOInitial amp ongoing
Due DiligenceExisting clients key
source of new clients via referrals
Professional network
United Capital Funding 68
Client Funded FICO
69
20022003
20042005
20062007
20082009
20102011 YTD
600
620
640
660
680
700
720
638 640648 652 655
649 652661
671
702
Percentage change YTD = 469 year average = 652
United Capital Funding
United Capital Funding 70
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 64
Primary Industries Funded
Technology9 portfolio
United Capital Funding 65
Primary Industries Funded
bull Servicebull 17 Portfolio
United Capital Funding 66
Extensive Government AR
Federal State Local Other
Quasi Government
Universities School
Districts
United Capital Funding
Operating PhilosophyRelationship not
transaction orientation
Constant ongoing monitoring of QOS
Written confidential client new client Application surveys
ldquoGradingrdquo partners
67
Operating PhilosophyVery selective Personal credit
screening FICOInitial amp ongoing
Due DiligenceExisting clients key
source of new clients via referrals
Professional network
United Capital Funding 68
Client Funded FICO
69
20022003
20042005
20062007
20082009
20102011 YTD
600
620
640
660
680
700
720
638 640648 652 655
649 652661
671
702
Percentage change YTD = 469 year average = 652
United Capital Funding
United Capital Funding 70
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 65
Primary Industries Funded
bull Servicebull 17 Portfolio
United Capital Funding 66
Extensive Government AR
Federal State Local Other
Quasi Government
Universities School
Districts
United Capital Funding
Operating PhilosophyRelationship not
transaction orientation
Constant ongoing monitoring of QOS
Written confidential client new client Application surveys
ldquoGradingrdquo partners
67
Operating PhilosophyVery selective Personal credit
screening FICOInitial amp ongoing
Due DiligenceExisting clients key
source of new clients via referrals
Professional network
United Capital Funding 68
Client Funded FICO
69
20022003
20042005
20062007
20082009
20102011 YTD
600
620
640
660
680
700
720
638 640648 652 655
649 652661
671
702
Percentage change YTD = 469 year average = 652
United Capital Funding
United Capital Funding 70
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 66
Extensive Government AR
Federal State Local Other
Quasi Government
Universities School
Districts
United Capital Funding
Operating PhilosophyRelationship not
transaction orientation
Constant ongoing monitoring of QOS
Written confidential client new client Application surveys
ldquoGradingrdquo partners
67
Operating PhilosophyVery selective Personal credit
screening FICOInitial amp ongoing
Due DiligenceExisting clients key
source of new clients via referrals
Professional network
United Capital Funding 68
Client Funded FICO
69
20022003
20042005
20062007
20082009
20102011 YTD
600
620
640
660
680
700
720
638 640648 652 655
649 652661
671
702
Percentage change YTD = 469 year average = 652
United Capital Funding
United Capital Funding 70
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding
Operating PhilosophyRelationship not
transaction orientation
Constant ongoing monitoring of QOS
Written confidential client new client Application surveys
ldquoGradingrdquo partners
67
Operating PhilosophyVery selective Personal credit
screening FICOInitial amp ongoing
Due DiligenceExisting clients key
source of new clients via referrals
Professional network
United Capital Funding 68
Client Funded FICO
69
20022003
20042005
20062007
20082009
20102011 YTD
600
620
640
660
680
700
720
638 640648 652 655
649 652661
671
702
Percentage change YTD = 469 year average = 652
United Capital Funding
United Capital Funding 70
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Operating PhilosophyVery selective Personal credit
screening FICOInitial amp ongoing
Due DiligenceExisting clients key
source of new clients via referrals
Professional network
United Capital Funding 68
Client Funded FICO
69
20022003
20042005
20062007
20082009
20102011 YTD
600
620
640
660
680
700
720
638 640648 652 655
649 652661
671
702
Percentage change YTD = 469 year average = 652
United Capital Funding
United Capital Funding 70
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Client Funded FICO
69
20022003
20042005
20062007
20082009
20102011 YTD
600
620
640
660
680
700
720
638 640648 652 655
649 652661
671
702
Percentage change YTD = 469 year average = 652
United Capital Funding
United Capital Funding 70
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 70
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Diversification Strategy designed to
reduce exposure to risks by diversifying at all levelsrdquo
Debtor [clientsrsquo client]
Industry sector Geographic location Client pedigree FICO
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
82United Capital Funding
>
Why are we different
Solutions any stage lifecycle
Respect + empathy clients
Financial clout large firm with speed + services of small firm
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Why are we different
Solutions any stage lifecycle
Respect + empathy clients
Financial clout large firm with speed + services of small firm
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
companies large or small who are in an innovating high-growthhigh-demand
situation
Company revenues are not the only indicator of
attractiveness Our practice best lends itself to
companies large or small who are in an innovating high-growthhigh-demand
situation
Company Size
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Why are we different
No termMinimumsStart up feesTermination
feesPer invoiceClient remains
in control
United Capital Funding 86
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 87
>
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Recent MilestonesWill Have Funded $15
Billion Cumulatively since formation in 1997
Financially solid stableSeveral industry
players leaving due to lack of funding andor losses
First Tennessee support
United Capital Funding 88
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 89
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 90
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 91
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
What our clients sayhellip Your entire staff is awesome I really enjoy working with everyone -
Florida Technology Company Since we have been a client of UCFrsquos we have had the pleasure of
working with great account specialist assigned to our account Each of these specialists has been extraordinary and we could not ask for better employees to represent us in collections - Tennessee Molding Company
As always out account specialist has been great I look forward to our continued business relationship - New Jersey Transportation Company
Our representative has been outstanding - Ohio Technology Company We had an accounting issue in December 2010 The CFO was
extremely helpful in assisting us in resolving that issue He went the ldquoExtra Milerdquo Great Job - Connecticut Supply Company
Thank you so much for your help I donrsquot know what I would have done without you - Alabama Government Company
United Capital Funding 92
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
What our clients sayhellip The account representative is the best When she had an emergency
medical leave the replacement obviously had been well information on our account resulting in a flawless transition I would highly recommend UCF to anyone seeking a funding company The online reporting system is great I really like how tightly secured that it is - Georgia Government Contracting (Consulting) Company
UCF had been a great partner to my company My account representative has been extremely professional and helpful on every transaction I recommend UCF every chance I get - Florida Government Contracting (Supply) Company
My account representative is always ready to handle any issue in a pleasant manner She is always reliable and returns calls and emails in a timely manner - Nevada Manufacturing Company
Thank you for all your help Yoursquore a great match for our company - Washington Manufacturing Company
My account representative continues to provide my company with excellent services - Tennessee Service Company
United Capital Funding 93
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Survey Results You and your team are awesome We truly appreciate all of
your help and support You guys really jumped through a lot of hoops this first time around to pull everything together We look forward to a long and successful relationship with your company - Distributor California
I am very pleased with the service and the process was explained very well Your communication is on TIME Keep up the good job - Service Provider Ohio
I am impressed with the professionalism of your company Keep it up - Security Company Maryland
You were willing to work with a small company like mine and I cannot tell you how much I appreciate it It has been a pleasure working with everyone there and I will refer others to UCF every chance I get Thanks again - Service Provider Connecticut
You are easy to work with and my Account Representative does an excellent job - Consultant Pennsylvania
United Capital Funding 94
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Survey Results You had better terms in your proposal and your staff is
more friendly than competitors - Engineering Firm Tennessee
My Account Representative is a great asset - Distributor Pennsylvania
We continue to appreciate our business relationship with United - Security Products Illinois
My Account Representative has been great to deal with and very professional - Transportation Company New Jersey
I can not thank you enough as UCF has been a godsend for my company I am very happy with the service Mark thank you for visiting with me You sold me on your company - Security Services Maryland
United Capital Funding 95
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Survey Results I rate our representative as the best customer service I have ever
experienced - Internet Marketing Company Ohio A special thanks to our Account Representative for her dedicated
service to our company - Staffing Company Tennessee I would like to mention that my Account Representative is
wonderful She is very quick in response to my requests and goes out of her way to provide assistance - Civil Engineering Company Virginia
United has been a good partner for our company over the years We appreciate United Capital Funding greatly - Storage Solution Firm Minnesota
We couldnrsquot ask for a better partnership Every member of UCF from the top down has been wonderful to work with In particular our account representative is excellent UCF has helped us tremendously with our cash flow situation - Communication Company Tennessee
United Capital Funding 96
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Survey Results My Account Representative is a joy The level of
service UCF provides exceeds the relationships experience with other financial institutions The online reports are very helpful I highly endorse United Capital Funding - Consulting Company Georgia
When ever I contact my account representative either by phone or email she always responds quickly and is always helpful and friendly - Distributor Nevada
It is a pleasure working with my account representative Your company has helped us in this down economy - Supply Company California
Great to work with My account representative at UCF is ldquoThe Bestrdquo Thank you UC Funding - Distributor California
United Capital Funding 97
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Professional Feesbull Simple JIT Modelbull 5 day fee
FUNDING not invoice date to collection lockbox
bull Wire ACH fees bull No other fees bull All fees are
itemized per invoice and available online
United Capital Funding 98
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
99United Capital Funding
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Professional Fees
bull Determined by bull Size of ARbull ldquoPedigreerdquo
clientsbull Concentration
vs diversification
bull FICO scorebull Credit insurance United Capital Funding 100
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Professional fees arehellipLess than credit card
merchant feesLess overdraft APR More than traditional
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 102
United Capital Funding 103
>
Professional Services Accounts Receivable
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 103
>
Professional Services Accounts Receivable
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Professional Services Accounts Receivable
Management Working Capital Professional turnkey AR
monitoring Access to Credit
Insurance Ability to credit qualify
prospectdebtor at no cost
Secure 247 online reporting
Secure lockbox services Peace of mind United Capital Funding 104
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Many ways we can help
bull Credit Information
bull Credit Insurance
bull Commitment to Fund Letters
bull RFP Support and Logos
United Capital Funding 105
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Unmatched Internet Presence
Relationship with First Tennessee Bank
Established referral programtraining
Pioneer on the InternetSocial Media Project
well underwayClients in 34 statesScalable with no
geographic constraints
106United Capital Funding
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 107
First Tennessee Alliance
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 108
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 109
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 110
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 111
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 112
Blog
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
As featured in
113United Capital Funding
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Facts vs Myths The perception of
our industry is the single largest misconception we encounter
Our website is an educational resource
wwwucfundingcom
United Capital Funding 114
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Facts vs MythsMyth Factoring is
used businesses in ldquobad shaperdquo or Fortune 500 firms
Fact Used by all sized businesses
Huge industry $130+ Billion
United Capital Funding 115
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Facts vs MythsFact used more
than ever start up to mature
Astute managers use it outsource lower breakeven point
United Capital Funding 116
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Fact vs MythsAoccdrnig to rscheearch at Cmabrigde Uinervtisy it deosnt mttaer in waht oredr the ltteers in a wrod are the olny iprmoatnt tihng is taht the frist and lsat ltteer be at the rghit pclae The rset can be a toatl mses and you can sitll raed it wouthit a porbelm Tihs is bcuseae the huamn mnid deos not raed ervey lteter by istlef but the wrod as a wlohe
Myth If you factor customers get ldquonervousrdquo and leave
Fact Never happened 10+ years serving
Use surveys to ensure quality
United Capital Funding 117
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Facts vs MythsFact Actually can
cement relationship
Ability prequalify credit limit critical
Assertively sell more average sale can increase
Less dependent on personal credit
United Capital Funding 118
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Facts vs MythsMyth If you factor
offend or alienate clients
Fact Goal is to grow not ldquooffendrdquo
Illogical aggravate in any way
Proactively provide references
United Capital Funding 119
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 120
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
121United Capital Funding
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
122United Capital Funding
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
123United Capital Funding
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
124United Capital Funding
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
125United Capital Funding
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
126United Capital Funding
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
127United Capital Funding
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
128United Capital Funding
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
129United Capital Funding
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
130United Capital Funding
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
131United Capital Funding
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
132United Capital Funding
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
133United Capital Funding
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Why FactoringTo acquire potential new clientsIncrease universe clients and cross sell
other DECOSIMO universe of servicesProvide liquidity option for clients Provide quick cash vs ldquobankrdquo financingFee Income Startups rdquonon bankablerdquo clients ok
United Capital Funding 134
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Why FactoringBe an even more ldquofull servicerdquo
provider vs others in marketplaceFactoring enhance that DECOSIMO
gets paid Allows DECOSIMO to extend the
duration of the client relationship DECOSIMO Relationship Manager
earn referral fees for relationship life time if able
United Capital Funding 135
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Marketing Ideas PROSPECTSPerfect fit for
Emerging Business Services
DeMoss Accounting Corporate relocationsOthers that do not
meet Bank criteriaCurrent loan declines8 (A) clientsClients with SBA loans
United Capital Funding 136
bull
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Marketing Ideas Limited number
of referrals Current Client
DatabaseLimited
Geographic Overlap
Client demographics nearly identical for prospectsclients
Average life 5 years
Industry avg 12-14 months
Annuity referral fees 10 monthly
Internal allocation is 100 up to you
Volume goes up over term of relationship
United Capital Funding 137
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Marketing Tools Multiple Step
ProcessProfessional
Training Performed by usRelationship
Managers etcQuarterly training
sessions Training Manuals
Online Tools FAQ New Client We provide all
educational materials
PowerPoint (s)Regional meetings Industry specific
consulting
United Capital Funding 138
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 139
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Partnership Approach
Identify qualified clients and contact
Provide marketing materials to clients
Coordinate amp meet clients
Assist maintenance of relationship
Referral fees for entire life of relationship
All record keeping completed by us
Same amount paid for life relationship
10 of all revenue generated
Monthly documentation and online information
United Capital Funding 140
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Our ResponsibilitiesRespond quickly
Give priority to requests and calls
Meet client and conduct Due Diligence
Time for responseApplication same
day Proposal or Decline
Agreements one business day
Due Diligence 1 week on average
Funding 7 to 10 days subject to verification
Ongoing Online reporting
Dedicated Account Representative for each client relationship
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Marketing Tools Available
Brochures Top ranked Google
website wwwucfundingco
mQuick ApplicationFrequently Asked
Question [FAQ]Documentation
Requirements New Client Package
United Capital Funding 143
United Capital Funding 144
Frequently Asked Questions
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
United Capital Funding 144
Frequently Asked Questions
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Frequently Asked Questions
What if a Bank has already said NoPossibly ok FICO score a key Clientrsquos
worth profitability time in business etc are not the primary focus
How much does it costOur Agreements clearly defines the
pricing of our services No surprises or hidden costs
Validate with references
United Capital Funding 145
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Frequently Asked Questions
How do I applyOnline fax meet with a client in
person Never any fees to apply How are client invoices verifiedWe use a variety of methods to
ensure payment is received We never inconvenience client Excellent references are the key here Generally voice verification by a courteous trained professional United Capital Funding 146
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Frequently Asked Questions
What if client assets are already pledged
We need a 1st position on AR We use industry standard subordination Intercreditor Agreements no costs
What industries do we fundAll except medical most construction
consumer insurance and legalDoes a client have to factor all ARNo They factor what they want
United Capital Funding 147
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Frequently Asked QuestionsWhat does clients say when AR is
soldNever been a issue References are
a key AP and contact are usually 2 separate functions Also EDI makes this less and less of an issue
How quickly can a client get startedUsually a weekIs there online reporting Yes secure
247 no cost
United Capital Funding 148
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
There are no stupid questions
United Capital Funding 149
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
We are only a click away
United Capital Funding 150
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
We will respond quicklyhellip
United Capital Funding 151
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
Continue operate with highest levels of integrity
United Capital Funding 152
United Capital Funding 153
United Capital Funding 154
United Capital Funding 155
United Capital Funding 156
United Capital Funding 157
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL
TM
United Capital Funding 158
UNITED CAPITAL INTELLIGENTWORKINGCAPITAL TM
UNITED CAPITAL intelligentWorkingcapItal
Slide 2
Prepared exclusively for
Presentation Overview
Slide 5
Slide 6
Slide 7
Slide 8
Slide 9
Slide 10
Slide 11
Slide 12
Slide 13
Small Business Optimism Index
Slide 15
Slide 16
Slide 17
Slide 18
Single Most Important Issue
Slide 20
Slide 21
Slide 22
Slide 23
Slide 24
Slide 25
Slide 26
Slide 27
Slide 28
Slide 29
Slide 30
Slide 31
Slide 32
United Capital Funding
Slide 34
Slide 35
Firm and Industry
Annual Factoring Volume 1998 ndash 2009
Annual Factoring Volume 1998 ndash 2009
Purchased AR
Slide 40
Slide 41
Slide 42
Slide 43
Slide 44
Leadership
Cornerstone Positions
Success Drivers
How do we combine technology a
Our Practice Focus
Slide 50
Service-Profit Chain
Slide 53
What is Factoring
Slide 55
What this is nothellip
Professional Services
Slide 58
Client Attributes
Slide 60
Primary Industries Funded
Primary Industries Funded (2)
Primary Industries Funded (3)
Primary Industries Funded (4)
Primary Industries Funded (5)
Extensive Government AR
Operating Philosophy
Operating Philosophy (2)
Client Funded FICO
Slide 70
Diversification
Slide 72
Current Portfolio
Slide 74
Slide 75
Client duration
Geographic Client Locations
Slide 78
Client Locations by State
Number of Invoices
Average Invoice Size $
Slide 82
Why are we different
Economic Lifecycle
Needs change over time
Why are we different (2)
Slide 87
Recent Milestones
Slide 89
Slide 90
Slide 91
What our clients sayhellip
What our clients sayhellip (2)
Survey Results
Survey Results (2)
Survey Results (3)
Survey Results (4)
Professional Fees
Slide 99
Professional Fees
Professional fees arehellip
Slide 102
Slide 103
Professional Services (2)
Many ways we can help
Unmatched Internet Presence
Slide 107
Slide 108
Slide 109
Slide 110
Slide 111
Blog
As featured in
Facts vs Myths
Facts vs Myths
Facts vs Myths
Fact vs Myths
Facts vs Myths (2)
Facts vs Myths (3)
Slide 120
Slide 121
Slide 122
Slide 123
Slide 124
Slide 125
Slide 126
Slide 127
Slide 128
Slide 129
Slide 130
Slide 131
Slide 132
Slide 133
Why Factoring
Why Factoring (2)
Marketing Ideas
Marketing Ideas (2)
Marketing Tools
Slide 139
Partnership Approach
Our Responsibilities
Standard Inquiry Steps
Marketing Tools Available
Slide 144
Frequently Asked Questions
Frequently Asked Questions (2)
Frequently Asked Questions (3)
Frequently Asked Questions (4)
There are no stupid questions
We are only a click away
We will respond quicklyhellip
Partnership
Slide 153
Slide 154
Slide 155
Slide 156
UNITED CAPITAL intelligentWorkingcapItal (2)
UNITED CAPITAL intelligentWorkingcapItal (3)
Partnership We succeed
when clients successful
Key to success is partnership with clients partners
