Accounts Receivable Financing and Management

1. The Source for Accounts Receivable Financing & Management www.houseaccountfunding.com • 877-423-4239

2. Did You Know? On average, the 27. 2 million small businesses in the US have up to 10% of their total assets tied up in AR.* For hardware stores, healthcare staffing companies, legal services firms, home centers, lumberyards, and auto repair businesses that rely heavily on account receivables, those percentages are much greater.* On average, the collection period for small businesses is 45 days… * That’s a MONTH AND A HALF WITHOUT THE CASH YOU NEED!!! *Source: SBA Office Of Advocacy, 2009

3. The Solution: Receive Cash for Your Account Receivables Using…

4. When Do Your Customers Pay? Apr. 30 Apr. 1 Jan. 1 Jan. 31 Feb. 28 Mar. 20 Time of purchases Some customers pay on time And some require more attention & reminders before paying You send out statements to your customers who buy on account Others pay more slowly Payment Due

5. For Your GOOD Customers Who Pay In Full and On Time… Apr. 30 Apr. 1 Jan. 1 Jan. 31 Feb. 28 Mar. 20 Time of purchases Some customers pay on time And some require more attention & reminders before paying You send out statements to your customers who buy on account Others pay more slowly Payment Due

6. It May Still Take You Nearly 60 Days To Receive Payment Apr. 30 Apr. 1 Jan. 1 Jan. 31 Feb. 28 Mar. 20 Time of purchases Some customers pay on time And some require more attention & reminders before paying You send out statements to your customers who buy on account Others pay more slowly Payment Due

7. For Customers Who Pay Late… Apr. 30 Apr. 1 Jan. 1 Jan. 31 Feb. 28 Mar. 20 Time of purchases Some customers pay on time And some require more attention & reminders before paying You send out statements to your customers who buy on account Others pay more slowly Payment Due

8. It Can Take Much Longer To Collect:61, 75, 90, Even 120 Days Apr. 30 Apr. 1 Jan. 1 Jan. 31 Feb. 28 Mar. 20 Time of purchases Some customers pay on time And some require more attention & reminders before paying You send out statements to your customers who buy on account Others pay more slowly Payment Due

9. Your Business Pays Expenses Before Your Customers Pay You Payroll, Inventory, Rent, Loans, Equipment, etc. Apr. 30 Apr. 1 Jan. 1 Jan. 31 Feb. 28 Mar. 20 Time of purchases Some customers pay on time And some require more attention & reminders before paying You send out statements to your customers who buy on account Others pay more slowly Payment Due

10. As a Result -- Your Working CapitalIs Reduced Now it’s harder to grow your business You may be NOT be able to buy inventory at discount You may NOT be able to hire/increase payroll You may spend less time in front of your customers and more time in the back office You may be financially penalized for late payment to your suppliers

11. House Account Funding Provides: Immediate cash to small businesses to solve working capital constraints. A back office billing service that helps organize operations, allowing the independent small business to focus on customers, purchase at a discount, and expand. In a nutshell, HAF helps you grow your business (you stay in control of your accounts). You want proof? Just ask our customers! www.houseaccountfunding.com • 877-423-4239

12. Here’s What Our Clients Are Saying About Us “Because HAF Bills in Our Name – Using Our Logo, We Continue to Grow Our Brand with Our Customers.” “Working with HAF has allowed us to keep the cash flow coming in, even when customers are slow paying. HAF simplified our back office billing, invoicing and AR processes, saving us hours every week.” And, because HAF bills in our name using our logo, we continue to grow our brand with our customers.”—Doug Peterson, Northwest Farm & Home Supply, Lemmon, SD www.houseaccountfunding.com • 877-423-4239

13. Here’s What Our Clients Are Saying About Us “If you are providing in-home healthcare services, and trying to grow, it’s a great thing to do.” “HAF helped us maintain cash flow. If you are providing in-home healthcare services, and trying to grow, it’s a great thing to do. The set up is easy, the process went smoothly, I invoiced on Tuesday and received money on Thursday.” —Rick, President, Comfort Keepers, Anniston, AL www.houseaccountfunding.com • 877-423-4239

14. Here’s What Our Clients Are Saying About Us “For Us, It’s All About Maintaining Cash Flow.” “The set-up was easy, they just need some basic financial information. It went very smoothly. We do a large volume and are profitable, but we were hurting in the cash flow side of things. Working with HAF has allowed us to keep the cash flow coming in, even when customers are slow paying. For us, it’s all about maintaining cash flow. House Account Funding has been very helpful.”—Robert Baquet, Owner/manager, Chadron Home Center, Chadron, Neb. www.houseaccountfunding.com • 877-423-4239

15. Here’s What Our Clients Are Saying About Us “HAF Has Helped Us Grow Our Business and Improve Our Cash Flow. Most Importantly, they Enable Us to Focus On the Most Important Part of Our Business – Our Customers.” “As an Auto Repair business, our customers come first. HAF Has Helped Us Grow Our Business and Improve Our Cash Flow. Most Importantly, they Enable Us to Focus On the Most Important Part of Our Business – Our Customers.” —Nikole Tennant, Tennant Auto, Lemmon, SD. www.houseaccountfunding.com • 877-423-4239

16. Here’s What Our Clients Are Saying About Us “It Helps Us Keep Up With Expenses.” “It has helped with our cash flow, which has helped us keep up with expenses, especially when the economy is so bad. When people are taking 90 days to pay it puts a strain on our cash flow. If you are in a business where you have customers that are slow paying and you need to keep your cash flow up, then it is a great thing to do. —David Bardusch, President, Taylor Rental, Webster, N.Y. www.houseaccountfunding.com • 877-423-4239

17. Here’s What Our Clients Are Saying About Us “HAF Simplifies the Billing Process for Me.” “HAF simplifies the billing process for me. I don’t spend time printing, sorting and stuffing envelopes. Payments, late charges and mailings are all handled by House Account Funding (HAF). All I have to do is send a file of my invoices to HAF’s website once a week.” —John Calley, Owner, City Hardware, Syracuse, N.Y. www.houseaccountfunding.com • 877-423-4239

18. Here’s How Our Program Works: We Pay You Now for Your Account Receivables (AR) You Turn Your AR Billing Over to Us We Bill Customers in YOUR NAME, with YOUR LOGO You Receive Secure, 24 x 7, Online Access to Your Account We Provide the User-Friendly Back Office Management System You Save Time & Money, and You can View, Print and Download Information at Any Time We Automate with your POS System to Receive Invoices You Get Paid Right Away! www.houseaccountfunding.com • 877-423-4239

19. Access to Reports, Statements, Invoices and Payments

23. The Source for Accounts Receivable Financing & Management To download a brochure, visit: www.houseaccountfunding.com/contactus To obtain a free quote, receive an application, or for more information, please contact: John Refo SVP Business Development john.refo@houseaccountfunding.com 973-928-8940 Marvin Bloom Founding Partner marvin@houseaccountfunding.com 561-734-6669 www.houseaccountfunding.com • 2001 Route 46, Suite 310 , Parsippany, NJ 07054 • 877-423-4239