Connecting Smart People to Smart Choices Improving capital access for NJ businesses April 27, 2009 Biz2Credit, LLC 20 W. 22 nd Street, Suite 706 New York, NY 10010

Improving capital access for NJ businesses

Proposal Contents Who We Are Overview Financial knowledge gap Loan engine overview Partner community Benefits Overview For the lender For the borrower Next Steps

Who We Are

Overview

Financial knowledge gap

Loan engine overview

Partner community

Benefits

Overview

For the lender

For the borrower

Next Steps

Who We Are: Company Overview At a Glance Founded in 2007 Providing education, credit fulfillment, and networking services to 25,000 small business owners internationally Established alliances with 30 national & international organizations Launched national minority and women business owner study with over 20 chambers of commerce’s, business associations & ethnic media Selected by KPMG as one of the 100 hottest emerging private companies in the US Featured in Entrepreneur Magazine Fall 2008 issue as top funding source for businesses In the works Expanding Proprietary Credit Technology in India “ Biz2Credit is a secure, customizable environment for small businesses to manage essential business activities. Proprietary technology allows them to access analytical tools, transact credit transactions, and engage professional and commercial services.”

At a Glance

Founded in 2007

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

Established alliances with 30 national & international organizations

Launched national minority and women business owner study with over 20 chambers of commerce’s, business associations & ethnic media

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

Featured in Entrepreneur Magazine Fall 2008 issue as top funding source for businesses

In the works

Expanding Proprietary Credit Technology in India

Small businesses 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 Small and Medium Enterprises (SMEs) on a mass scale. Business loan brokers 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 financing 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 Small and Medium Enterprises (SMEs) on a mass scale.

Business loan brokers 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 financing institutions

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

Biz2Credit’s technology provides an unprecedented level of transparency and access in the credit market Credit Access Comprehensive & Customized- Proprietary Decision Making engine matches entrepreneurs with the loan products based on an analysis & dual filtration of the following criteria: Business’s capital structure Borrower’s creditworthiness Entrepreneur’s preferences Lender’s prequalification criteria Resourceful- Business owners are matched with up to 4 financing options that they prequalify for, ranked by their preferences. Users can view loan product details including the type, rates, term, required documentation and lenders contact information. One step further - Lenders man the system to share documents and communicate with business owners to process application Secure - Document Vault provides users with the ability to manage financial docs and share with lenders We provide entrepreneurs with more than just informed decisions…

Credit Access

Comprehensive & Customized- Proprietary Decision Making engine matches entrepreneurs with the loan products based on an analysis & dual filtration of the following criteria:

Business’s capital structure

Borrower’s creditworthiness

Entrepreneur’s preferences

Lender’s prequalification criteria

Resourceful- Business owners are matched with up to 4 financing options that they prequalify for, ranked by their preferences. Users can view loan product details including the type, rates, term, required documentation and lenders contact information.

One step further - Lenders man the system to share documents and communicate with business owners to process application

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

Biz2Credit Partner Community: Lenders Media & Organizations Service Providers

For the Lender: Streamline small business financing requests and segment campaign criteria by any of the following variables: Business Profile: Industry, Location (down to city level), Years in Operation, Self-reported credit score, Annual Business Revenue, Use of Funds, LTV, Loan Amount, DSR, Collateral Characteristics Expand outreach mechanism for new clients and improve existing service levels New! Biz2Credit will integrate personal credit rating data to further qualify borrowing requests and verify self-reported data For the business owner: Helping to serve well-established businesses and the entrepreneurs that often fall into the cracks of larger organizations and lenders Strengthen online service offerings and growth tools for SMEs Supply virtual file storage facility to aid document collection process Extend value-add services to small business owners: Credit education material B2B networking tools to grow business revenue Solution: Platform to Empower Small Business Owners & Connect Lenders

For the Lender:

Streamline small business financing requests and segment campaign criteria by any of the following variables: Business Profile: Industry, Location (down to city level), Years in Operation, Self-reported credit score, Annual Business Revenue, Use of Funds, LTV, Loan Amount, DSR, Collateral Characteristics

Expand outreach mechanism for new clients and improve existing service levels

New! Biz2Credit will integrate personal credit rating data to further qualify borrowing requests and verify self-reported data

For the business owner:

Helping to serve well-established businesses and the entrepreneurs that often fall into the cracks of larger organizations and lenders

Strengthen online service offerings and growth tools for SMEs

Supply virtual file storage facility to aid document collection process

Extend value-add services to small business owners:

Credit education material

B2B networking tools to grow business revenue

Receive highly qualified borrowers by customized parameters from Biz2Credit: Segment campaign criteria by any of the following variables : Business Profile: Industry, Location, Years in Operation, Self-reported credit score, Annual Business Revenue, Use of Funds, LTV, Loan Amount, DSR Collateral Characteristics of Real-Estate, Equipment, Accounts Receivables, Inventory New! Biz2Credit will integrate TransUnion’s personal credit ratings to verify self-reported data One institution’s ‘unbankable’ is another institution’s ‘bankable’: Take advantage of Biz2Credit’s national and well-established lender network to service external requests that don’t meet your lending standards Build client relationships and maintain service levels with small businesses in your community by helping them procure financing For the Lender: Deepen penetration into small business community Without Biz2Credit With Biz2Credit Bank Bank Lender NAWBO Media D&B

Receive highly qualified borrowers by customized parameters from Biz2Credit: Segment campaign criteria by any of the following variables :

Business Profile: Industry, Location, Years in Operation, Self-reported credit score, Annual Business Revenue, Use of Funds, LTV, Loan Amount, DSR

Collateral Characteristics of Real-Estate, Equipment, Accounts Receivables, Inventory

New! Biz2Credit will integrate TransUnion’s personal credit ratings to verify self-reported data

One institution’s ‘unbankable’ is another institution’s ‘bankable’: Take advantage of Biz2Credit’s national and well-established lender network to service external requests that don’t meet your lending standards

Build client relationships and maintain service levels with small businesses in your community by helping them procure financing

Cut down on processing time with a secure document storage tool Provide a document sharing and storage facility to your small business clients to improve document management on a secure SSL enabled environment. Improve operational efficiency. Share loan application materials to more than one user at a time. Introduce new products or modify qualification criteria bank wide & boost service levels Product offerings introduced on a real-time basis Suggestion tool to assist relationship managers in selecting Unity bank products to assist the particular needs of small business owner Monitor the service levels and product penetration Map progress of loan applications Generate reports on product or user performance For the Lender: Enhance small business clientele service offerings & build scalable product introduction platform Without Biz2Credit With Biz2Credit Unity Unity Lender NAWBO Media D&B

Cut down on processing time with a secure document storage tool

Provide a document sharing and storage facility to your small business clients to improve document management on a secure SSL enabled environment.

Improve operational efficiency. Share loan application materials to more than one user at a time.

Introduce new products or modify qualification criteria bank wide & boost service levels

Product offerings introduced on a real-time basis

Suggestion tool to assist relationship managers in selecting Unity bank products to assist the particular needs of small business owner

Monitor the service levels and product penetration

Map progress of loan applications

Generate reports on product or user performance

Financing resources and tools that drive growth and efficiency Businesses and Business service providers can leverage Biz2Credit’s lender agnostic position Scope the market for the best available financing options based on the business’s financials, credit worthiness of the individual and the lender’s prequalification standards Explore loan products from a range of financial institutions – Certified Development Corporations, Micro lenders, Banks, SBA intermediaries, etc. Quickly and easily access financing options for your business or your client’s business Service financing requests from multiple small business owners from one account Track progress of financing requests at multiple lending institutions through one dashboard Organize business plans and documents with free virtual file storage facility to aid in document collection and transmission process Additional value-add for business or business community Credit education material B2B networking tools to grow business reach and foster community development For the Businesses & Service Providers: A lender platform to acquire & manage small business financing

Financing resources and tools that drive growth and efficiency

Businesses and Business service providers can leverage Biz2Credit’s lender agnostic position

Scope the market for the best available financing options based on the business’s financials, credit worthiness of the individual and the lender’s prequalification standards

Explore loan products from a range of financial institutions – Certified Development Corporations, Micro lenders, Banks, SBA intermediaries, etc.

Quickly and easily access financing options for your business or your client’s business

Service financing requests from multiple small business owners from one account

Track progress of financing requests at multiple lending institutions through one dashboard

Organize business plans and documents with free virtual file storage facility to aid in document collection and transmission process

Additional value-add for business or business community

Credit education material

B2B networking tools to grow business reach and foster community development

Next Steps ( 1- 2 weeks) Join Biz2Credit’s credit platform! Notify NJ SCORE counselors & SBA lenders of available resources Conduct short system training sessions with counselors Organize meeting with pilot group of community SBA lenders Track and perform impact analysis of loan disbursement status (1 - 2 months) Get involved in Biz2Credit’s knowledge initiatives Educate: Provide credit education material to your members Learn: Participate in Biz2Credit’s national study of small businesses to better understand the current pain points of entrepreneurship.

( 1- 2 weeks) Join Biz2Credit’s credit platform!

Notify NJ SCORE counselors & SBA lenders of available resources

Conduct short system training sessions with counselors

Organize meeting with pilot group of community SBA lenders

Track and perform impact analysis of loan disbursement status

(1 - 2 months) Get involved in Biz2Credit’s knowledge initiatives

Educate: Provide credit education material to your members

Learn: Participate in Biz2Credit’s national study of small businesses to better understand the current pain points of entrepreneurship.