Connecting Smart People to Smart Choices Executive Summary

Company

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

At a Glance

Founded in 2007

Providing education, credit fulfillment, and networking services to 25,000 minority small business owners internationally

Established alliances with 30 national & international organizations

Invested over USD 2 million in Patented technologies

Closed $250 million in financing for SME clients

Selected by KPMG as one of the 100 hottest emerging private companies in the US

Recognized by Entrepreneur Magazine and MSNBC as top small business financing resource in US

Major focus on ethnic groups and emerging mkts like India, Brazil, Mexico etc.

On the Horizon

Launched national small business owner survey

Expanded Proprietary Credit Technology in India

Released Global Entrepreneurial Exchange in Jan. 09

SME challenges worldwide: SMEs are largely underserved and disconnected in both developing and developed economies Fractured credit system Most small business owners do not know how to use, obtain or select the best type of financing to grow their enterprise. This is true in even the most sophisticated credit environments. Credit accountability is low. Lenders are unable to effectively promote valuable financing products and communicate with SMEs on a mass scale. Business loan brokers and DSAs are not equipped to effectively educate entrepreneurs or stay up to date on the latest available financing options Little awareness of available resources Low internet penetration creates barrier for aid organizations to create awareness on assistance programs available to SMEs There is no go-to resource for SMEs looking to gather information on best practices and policies on how to set up and grow their company Aversion to banking and large financial institutions General mistrust of banks and large financial institutions stems from money lending institutions

Fractured credit system

Most small business owners do not know how to use, obtain or select the best type of financing to grow their enterprise. This is true in even the most sophisticated credit environments.

Credit accountability is low. Lenders are unable to effectively promote valuable financing products and communicate with SMEs on a mass scale.

Business loan brokers and DSAs are not equipped to effectively educate entrepreneurs or stay up to date on the latest available financing options

Little awareness of available resources

Low internet penetration creates barrier for aid organizations to create awareness on assistance programs available to SMEs

There is no go-to resource for SMEs looking to gather information on best practices and policies on how to set up and grow their company

Aversion to banking and large financial institutions

General mistrust of banks and large financial institutions stems from money lending institutions

We have served SMEs in the US on three fronts: 1. Securing Credit 2. Building the SME Community 3. Tools for Growing the Business

Leveling the credit field: Credit is the hub of the small business life cycle Overview of the Biz2Credit Decision-Making Engine Patented algorithm in the proprietary Loan Decision Making engine matches entrepreneurs with the best credit product in the market International network of lenders compete for small business financing and manage documents on platform Document Vault provides users with the ability to manage financial docs and share with lenders We provide entrepreneurs with more than just informed decisions… Unique algorithm generates best loan products within scope of business creditworthiness Displays borrower feedback on lenders Allows users to manage multiple loan apps from dashboard, communicate, and share docs with potential lenders Displays borrower feedback on lenders Ease of use : Calculates ratios and user defined variables to rank products without requiring in-depth financial knowledge Transparency: Provides side-by-side credit product comparison with past borrower feedback Resourcefulness: Provides secure online environment to manage loan application process with internal messaging features and document storage app Challenges Results Loan Engine Solution

Overview of the Biz2Credit Decision-Making Engine

Patented algorithm in the proprietary Loan Decision Making engine matches entrepreneurs with the best credit product in the market

International network of lenders compete for small business financing and manage documents on platform

Document Vault provides users with the ability to manage financial docs and share with lenders

Unique algorithm generates best loan products within scope of business creditworthiness Displays borrower feedback on lenders

Allows users to manage multiple loan apps from dashboard, communicate, and share docs with potential lenders

Displays borrower feedback on lenders

Ease of use : Calculates ratios and user defined variables to rank products without requiring in-depth financial knowledge

Transparency: Provides side-by-side credit product comparison with past borrower feedback

Resourcefulness: Provides secure online environment to manage loan application process with internal messaging features and document storage app

Transcending space: Biz Exchange Community delivers local market knowledge to entrepreneurs worldwide We give SMEs the opportunity to compete at the global scale… Platform to market business services and products to global audience of business owners Feedback on vendors/service providers worldwide Powerful industry networking tool to enter foreign markets – niche market apps* Ease of use: See the latest activity within particular industry, category, location. Acquire leads and contact service providers from one account Transparency: Business service provider comparison with feedback from fellow business owners Resourcefulness: Expands market reach of small businesses without the cost of running a major marketing campaign. Provides tools to transact Challenges Results Community Solution International Exchange Community Global network of small business service providers Launched national small business owner survey to expand on best practices Released Global Entrepreneurial Exchange end-December Provide SMEs in emerging markets to access developed markets

Platform to market business services and products to global audience of business owners

Feedback on vendors/service providers worldwide

Powerful industry networking tool to enter foreign markets – niche market apps*

Ease of use: See the latest activity within particular industry, category, location. Acquire leads and contact service providers from one account

Transparency: Business service provider comparison with feedback from fellow business owners

Resourcefulness: Expands market reach of small businesses without the cost of running a major marketing campaign. Provides tools to transact

International Exchange Community

Global network of small business service providers

Launched national small business owner survey to expand on best practices

Released Global Entrepreneurial Exchange end-December

Provide SMEs in emerging markets to access developed markets

SME tools: Supply small business with the resources and tools to compete with Fortune 500 companies We deliver technology that helps business owners complete their transaction and focus on running their business. Secure and centralized document repository for file management/sharing Inbox/Outbox messaging app transcends language barrier* Feedback history to provide added level of comfort in transacting Powerful industry networking tool to enter foreign markets Ease of use: Mind your own business! Users only see relevant content and updates on their industry or market segment Transparency: Web 2.0 tools provide real-time user generated data and collaboration resources Resourcefulness: Vendor and business knowledge on the fly and the tools to transact. Challenges Results Community Solution Small Business Control Center Free use of messaging system to communicate internationally with vendors or lenders Feedback tools to provide local and global market business references Customized peer content updated on a real-time basis Ask-an-Expert module to tap industry professionals Integrated Dun & Bradstreet credit rating module to enable SMEs access better credit products In talks with companies like Intuit, Paychex, etc. to help SMEs become more efficient and credit worthy

Secure and centralized document repository for file management/sharing

Inbox/Outbox messaging app transcends language barrier*

Feedback history to provide added level of comfort in transacting

Powerful industry networking tool to enter foreign markets

Ease of use: Mind your own business! Users only see relevant content and updates on their industry or market segment

Transparency: Web 2.0 tools provide real-time user generated data and collaboration resources

Resourcefulness: Vendor and business knowledge on the fly and the tools to transact.

Small Business Control Center

Free use of messaging system to communicate internationally with vendors or lenders

Feedback tools to provide local and global market business references

Customized peer content updated on a real-time basis

Ask-an-Expert module to tap industry professionals

Integrated Dun & Bradstreet credit rating module to enable SMEs access better credit products

In talks with companies like Intuit, Paychex, etc. to help SMEs become more efficient and credit worthy

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

Increased transparency

Choice of lenders and ability to contact at will

Ease of use

Lower cost of transactions

Secured digital vault to store documents

Seamless sharing of documents

Access to rated service providers like accountants, business brokers, CPAs, attorneys, business valuers

Access to value added products like business insurance, community , credit ratings etc.

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

Lower cost of acquisition and retention

Get pre qualified exclusive leads

Use the system to service the existing SMB clients

Benchmark the products and service levels against the industry standards

Participate in knowledge initiatives to get insights into the customer needs

Develop customized credit products