1. working capital
WHEN YOU NEED IT MOST

2. WE UNDERSTAND YOUR CHALLENGES.
You need cash in order to maximize the potential of your business.
You need access to credit in order to take advantage of the
opportunities that translate into business success.
With our long history in financial services, we know what businesses
need, and we understand that each business is unique.
Our customized solutions are tailored using the details of each
company’s unique and varied circumstances. A Crestmark program
is designed to provide the flexibility you need as you grow and change.
OFFERING:
• Accounts Receivable Lending
(sometimes called Discount Factoring)
• Asset-Based Lending
• Traditional Factoring

3. Cash flow that you can rely on is the key to maintaining
and growing a healthy business.
At Crestmark, we use your company’s resources to create
the cash flow you need in order to meet daily business
challenges and capitalize on opportunities. ­Regardless of
the profitability or net worth of your company, we will
create and implement a financial solution that will help
you maximize cash flow, increase stability, and improve
growth potential.
Offering several methods to access working capital that
include ­
accounts receivable financing, asset-based loans,
and ­domestic/international factoring; we can quickly
create a competitively priced solution that’s right for you.
CASH TO FUND POSSIBILITIES
– Start-up – Restructure/Refinance
– Expansion/Acquisition – Turnaround
– Strategic Opportunities – Recapitalization
Supplier discounts,
Better terms through quick payment,
Volume / discount pricing
TO GET THE WORKING CAPITAL YOU NEED
BUSINESS-TO-BUSINESS FINANCING
As a working capital specialty bank, we finance businesses
who sell a product or provide a service to another
business. Our team has a diverse banking and business
financing background, offering innovative solutions
different than those of a traditional bank. We’re proud to
work with traditional banks and business professionals,
such as accountants and lawyers, to structure solutions
for their clients. We believe that these complementary
solutions can strengthen the existing relationship between
business service providers and their clients.
Based in Michigan, we have representatives nationwide
and regional offices in West Palm Beach, Nashville and
Baton Rouge. We offer financing to a vast array of small-
to medium-sized industries including manufacturing,
staffing, service, communication, apparel, transportation,
distribution, energy, petrochemical, government
contracting, and more.
PROGRAMS THAT HELP
Our innovative programs offer business services that go
beyond providing working capital... without an increase
in staff for your company.
Accounts Receivable Management Improved receipt and
monitoring of your accounts receivable; getting your cash
into your hands faster.
Credit Risk Management Provides critical information
about your customer base; helping you avoid bad debt.
Real-Time Financial Information Secure web-based tools
that provide you with real-time information about your
account status; improving your ability to manage your
business finances.
CALL US TODAY TO GET STARTED!
leverage your assets

4. ACCOUNTS RECEIVABLE
FINANCING
This fast and flexible type of asset-based
financial service provides working capital
by utilizing the value of a business’ invoices.
Since the lending is secured by accounts
receivable, this method has great flexibility
and funding can increase or decrease as the
business needs do, and offers valuable credit
and cash management capabilities. Timing
for initial funding can be in just a few
days, with same-day funding of invoices
once a relationship has begun.
ACCOUNTS RECEIVABLE
FINANCING
An asset management, working capital tool
supporting domestic and international growth
FEATURES AND BENEFITS
– Quick turnaround
– Funding in 5–10 Days (typical)
– Competitive pricing
– Same-day cash availability
– Quick and efficient invoice collection
Allows you to focus on your business
– Real-time web reporting
– Credit Management
• Credit investigation/approval
• Risk management to avoid bad debt
• Receivables bookkeeping
• Cash management
COMPANY SIZE
– Start-ups to $40 Million in annual volume
FUNDING RANGE
– $50,000 –$5 Million (larger amounts possible)
ADVANCE RATES
– Up to 90% of eligible receivables
– Fringe accommodations on eligible assets
INDUSTRIES SERVICED
– Any company selling a product or service
on short-term open account credit.

5. ASSET-BASED LENDING
Allows a business to utilize value that
may be tied up in a combination
of accounts receivable, inventory or
machinery/equip­ment to gain working
capital. Asset-based lending covers a broad
range of secured lending activities, and
is used to support the working capital
needs of businesses that are unable
to obtain traditional bank financing.
Cash availability is directly tied to the
collateral value of the accounts receivable,
inventory, and machinery/equipment.
ASSET-BASED LENDING
A method to secure cash based on accounts
receivable, inventory, machinery or equipment.
FEATURES AND BENEFITS
– Aggressive advance rates
– Quick turnaround
– Competitive pricing
– Simplified approval process
– Funding in 15-25 Days (typical)
– Same-day cash availability
– Quick and efficient invoice collection
Allows you to focus on your business
– Real-time web reporting
– Individual or batched invoicing
– Flexible Plans customized for you
Access and pay for only what you need
– Credit Management
• Credit investigation/approval
• Risk management to avoid bad debt
• Receivables bookkeeping
• Cash management
FUNDING RANGE
– $300,000 –$5 Million (larger amounts possible)
COMPANY SIZE
– Start-ups to $40 Million in annual volume
ADVANCE RATES
– up to 90% of eligible accounts receivable
– up to 50% of eligible inventory
– varies on eligible machinery/equipment
per appraised value
INDUSTRIES SERVICED
– Any company selling a product or service
on short-term open account credit

6. TRADITIONAL FACTORING
Offers a variety of programs that increase
a company’s cash flow while streamlining
the credit, collection, financial, and
cash management process. Fast, reliable
and flexible, this relationship-driven
service allows clients the time to focus on
their core competencies such as sourcing,
manufacturing, and sales. Available
for domestic and international situations,
factoring is a quick and adaptable
way to access working capital and
credit management for businesses
operating globally.
TRADITIONAL FACTORING
An asset management, working capital tool
supporting domestic and international growth
FEATURES AND BENEFITS
– Quick turnaround
– Competitive pricing
– Domestic and international
– Non-recourse or recourse
– Import letters of credit
– Tri-party asset management
– Credit Management
• Credit investigation/approval
• Credit protection against bad debt
• Improved customer collections
• Receivables bookkeeping
• Cash management
– Real-time web reporting
TRANSACTION SIZE / VOLUME
– Start-ups to $100 Million in annual volume
ADVANCE RATES
– Up to 90% of eligible receivables
– Fringe accommodations on eligible assets
INDUSTRIES SERVICED
– Any company selling a product or service
on short-term open account credit

7. HOW TO GET STARTED
Call and speak to one of our business development
officers. We’ll get back with you that day to discuss
the next step in your funding process.
INFORMATION WE MAY REQUEST
Depending on the type of transaction that fits
your needs, you may be asked to provide copies of:
• ACCOUNTS RECEIVABLE AGING/DETAILED
Current month-end
• CUSTOMER CONTACT LIST
Including city and state
• ACCOUNTS PAYABLE/SUMMARY
Current month-end
• INVOICES AND SUPPLEMENTARY BACK-UP
• PURCHASE ORDERS/CONTRACTS
• COMPANY FINANCIAL STATEMENTS
Last two fiscal year-end and interim
(Facilities over $500,000)
• FEDERAL TAX RETURN/BUSINESS
Last two year filings
• INVENTORY PERPETUAL REPORTING
Detailed current month-end (Inventory lending only)
• BUSINESS DESCRIPTION/INDUSTRY WRITE-UP
Marketing brochures, informative business overview
Also be ready to provide
• EXPECTED AMOUNT OF FUNDING
MINIMUM
COLLATERAL
ADMINISTRATION
MAXIMUM
COLLATERAL
ADMINISTRATION
• Partial confirmations
• No notification of account debtors
• Financing available expanded to other assets
•“Batch”processing
• Full field exam requirement
• Collection calls only as needed
• Full confirmations
• Full notification of account debtors
• A/R-only financing (generally)
• Direct cash application
• 100% Individual invoice processing
• Collection calls
• Cash flow of the business
• Reporting capabilities
•Tangible net worth
• Status of taxes+payables
The total positive or negative conditions will indicate the amount of collateral administration.
An assessment of the elements below, operational profitability determines the level of collateral administration (controls) required for funding.
• Profitability of the business
• Liquidity (Availability to fund business)
• Cash balances
• Financial leverage (debt to equity)
OPERATIONAL PROFITABILITY

8. CORPORATE OFFICE
Troy, Michigan
888.999.6088
REGIONAL OFFICES
Troy, Michigan
888.999.6088
West Palm Beach, Florida
888.832.2867
Crestmark Transportation Services
Nashville, Tennessee
866.429.8070
Baton Rouge, Louisiana
877.436.2263
We help.
www.crestmark.com