The document outlines an account executive training session for Apple Capital Group. It provides an overview of the company, its products and services, operational systems, deal submission process, required documentation for different financing products, partnerships, compensation structure and career opportunities. The session aims to train new account executives on sales processes, products, technology and compliance.

1. Apple Capital Group, Inc. 04/25/12 1

2. Account Executive Training Session
Summer 2010
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3.  New Account Executives
 Apple Capital Group, Inc.
 Management Team
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4.  Orientation of systems: eMail, phone system,
CRM, deal submitting.
 Introduction of everybody and company
 Products
 Asset Based Lending (Loan, Factoring, Line of Credit, etc)
 Equipment Leasing & Financing
 Commercial Real Estate Lending
 Credit Card Processing “Central Payment”
 Personal Credit Repair – TRW Credit
 Business Credit Building – In-house/Seminars
 Every AE should have
◦ Phone, Fax/scanner/printer
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5.  Apple Capital Group, Inc., is a nationwide commercial lender that
offers a full suite of capital solutions for new and existing
businesses. Our goal is be able to assist with your immediate
financial needs, as well as develop a long-term partnership that
will grow with your company as your needs change. Our highly
trained team of Regional Account Executives will take the time to
listen to your specific needs and then develop a custom financial
solution to achieve your goals.
 Although you may not be bankable with the traditional lending
institutions because of unique circumstances such as limited
company history, weak financial statements, lack of collateral or
challenged credit, Apple Capital Group, Inc., has many alternative
lending products to get the affordable capital your company
needs. Whether you are in start-up mode, growth mode, or just
in need of an infusion of cash, Apple Capital has a solution for
you and the expertise to deliver quick, professional results.
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6. 
· Small to large ticket equipment leasing from $1K to $25M
 · Accounts Receivable Factoring up to $10M advance rate up to 90%
 · Purchase order financing | Asset-based Revolving Lines of Credit
 · Contractor | Freight Transportation | International Trade Financing
 · Commercial Real Estate Lending to $25M
 · Sale/leasebacks: (Both Equipment and Commercial Real Estate)
 · Hard Money | Bridge | Working Capital Loans
 · Master Lease Agreements | Term Flexibility Leases
 · Business plan and investor package development
 · Investment capital and private equity sourcing up to $50M
 · Local Municipalities, Federal/State Government and nonprofits
 · Credit Card Merchant Processing and cash advances (24 hours set-up)
 · (SBA) Small Business Administration Direct Leading from $250K to $6M
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7.  We are currently partnering with:
◦ Brokers
◦ Dealers
◦ Vendors

Here are just a few of the reasons why our affiliates choose
Apple Capital Group as their partner:
◦ Our smooth and efficient processes will impress your clients and make your life
easier
◦ Our broad range of capital solutions will vastly expand your market potential
◦ Our extensive training and resources will be available to you
◦ We offer an aggressive compensation program designed for long-term partnership
◦ Our affiliate program extends nationwide. If you are interested in learning more
about becoming a Apple Capital Group affiliate please contact us for more
information. To register to become an affiliate, please visit our affiliate registration
page.
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8.  "We will provide our clients with a full line of
working capital solutions through a commitment
to truly understanding their needs, their business
and their current and future challenges. We will
empower our clients to meet those challenges to
achieve the growth and profitability they seek.
We will build valuable, long-lasting partnerships
with our clients to be their sole source of capital
management solutions and foster a mutually
beneficial relationship based on integrity, trust
and the pursuit of excellence."
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9.  Corporate Headquarters
10151 Deerwood Park Boulevard
Building 200, Suite 250
Jacksonville, FL 32256-0856
866.611.7457 Phone and Fax
904.647.3222 Local Phone
 www.applecapitalgroup.com and www.applecapital.org
 Alexander Cronfield – Los Angeles, CA
 Tim Jacquet – Dallas, TX
 Shanese Burns – Chicago, IL
 Susan Walker – Jacksonville, FL
 Gloria Mitchell – Omaha, NE
 Mark Funderburk – New York, NY
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10.  Started in 2007 in Jacksonville, Fl
 Partnerships: Alex Cronfield & Shanese Burns
 2008 Tacapa Equity Partners became a minor
shareholder when is lead by Gloria Mitchell is
the board representative
 We Commercial Finance Direct Lender and
loan broker
 Clients focus on small and midsize
businesses
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11.  Headquarters in Jacksonville, Fl
 Branch Offices: Los Angeles, Dallas, Chicago
 Field AE: Florida, Texas, Nebraska
 Privately held with 2009 sales over 3.3M –
generated and fees
 2009 FY Lend nearly $15M
 Has 29 employees
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12.  Financial Sources
 Private Equity Group (Gloria Mitchell) Headed
◦ Fund one third of present deals
 Outside funding (Banks, Finance Companies,
and Private Equity Group)
◦ Fund two-third of present deals
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13.  Local & Friendly Personal Service
 A company you can grow with
 More financial products available then a bank
 Caters to small and medium size business
 See Flyer…
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14.  http://www.jacksonville.bbb.org/commonreport.h
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15.  Shanese Burns-Papadopulos, President & CEO
http://www.linkedin.com/pub/shanese-burns/20/4bb/3bb
 Alexander Cronfield, Senior VP & COO
http://www.linkedin.com/pub/alexander-cronfield/1b/68a/263
 Susan Walker-Gomez, Treasurer & CFO
 Mark Funderburk, Executive VP Of Capital Markets
Products, Merger & Acquisitions, Brokerage
 Gloria Mitchell, Executive VP Insurance Products
 John Dixon, Senior VP
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16.  John Dixon, Senior VP
◦ (jdixon@applecapitalgroup.com)
◦ 904.240.4579 Direct Phone
◦ 866.611.7457 ext.130
◦ Sales Assistant Primary – Oversee Account
Executives, Business Development Managers,
District Managers, Product Training, AE Support,
and new hires
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17.  eMail System (Web based)
 OR first initial and last name and domain…
 Phone System
 LOGIN:XXXXXXX
 OPTIONAL: Your Extension
 PASSWORD: 1+lastfour of your social
 CRM System (Landslide)
◦ https://applecapitalgroup.landslide.com/logon.faces
◦ LOGIN: first initial and last name
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18.  Submitting a Deals
By eMail: sales@applecapitalgroup.com
By Fax: 866.611.7457
Subject Line: DEAL TYPE (Company Name) (AGENT
Name)
SAMPLE: EL DEAL CBS OFFICE SUPPLY – JJACQUET
SAMPLE: SUPPORT DOCS #1 (TAX RETURN) CBS OFFICE SUPPLY- JJACQUET
SAMPLE: SUPPORT DOCS #2 (A/R) CBS OFFICE SUPPLY – JJACQUET
Labeling… Application, Financials, AR/AP Aging, etc…
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19.  ABLF – Factoring (24 to 72 hours)
 ABLBL – Business Loan (24 to 72 hours)
 ABLLC – Line of Credit (24 to 96 hours)
 EL – Equipment Leasing ( Same Day up to 24 hours)
 CREL – Commercial Real Estate Lending (72hrs to 2 weeks)
 TRW – Personal Credit Repair (Same Day)
 BCB – Business Credit Building (Same Day)
 CM – Capital Market Products (One Week)
 CC – Credit Cards (Same Day up to 24 hrs)
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20.  Partnerships with Central Payment Corp – San
Francisco and TRW Credit, Inc.
 Partnerships with over 30 bank and
commercial direct lenders in US and Canada
 Territory of Lending primary in the US but we
can lend in Canada.
 2009 Annual Revenues over $3.2M in fees
generated from AEs.
 Goal for 2010 increase AE to 100, offer
insurance and business brokerage products.
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21.  Phone
 Computer
 Printer with Scanning and Faxing
 Business Cards, Applications, and Brochures
we supply
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22.  What is needed for ABL Business Loans &
Lines of Credit
◦ Three Years of Financial Statements and Tax
Returns if not Compiled by CPA
◦ Application for Financial Services
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23.  Apple Capital Group, Inc. aims to become an industry leader in
providing business finance solutions. Since its inception, Apple Capital
has provided products and services to meet the capital needs of virtually
any organization through its portfolio of corporate finance products. Our
clients' bottom line benefits from our unique ability to align their
specific capital need to a tailored finance solution. Apple Capital
provides a full product suite of asset based lending, receivables
financing, equipment leasing, commercial real estate, and capital
markets programs.
Available Positions in all states.
Account Executives: You will be responsible for business
development activities including contacting leads, website traffic, direct
mail pieces, cold calls and networking with other professionals and
Business owners. Your job is to close business. You will be trained in a
classroom environment and provided continuous training throughout
your employment. You must have a College degree or Outside Sales
experience to apply. First year income potential of $60K-$100K and
more.
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24.  Regional District Manager: The successful
Candidate will have a minimum of 10 years Outside
Sales/Sales Management experience and a network of
business to business resources. Must be able to
manage, sell and recruit new Account Executives in
your region. Apple Capital Group, Inc. is a young
company and as such there is excellent potential for
promotion and growth. Your Comp plan is an
extremely aggressive Commission Schedule and an
override on all business in your region. Training is
provided by Corporate once per month for new
Account Executives via Web-x and weekly for
continuing education. If you have an Entrepreneur’s
heart and want to grow with a new company, stock
options are available. First year income potential of
$75K - $250K and more.
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25.  Business Development Manager: This position will assist regional
district manager and VP of Operations to identify and develop business
opportunities via commercial, government and non-profit business for
your commercial services. The Business Development Manager (BDM)
will define and follow-up of monthly, quarterly and yearly targets and
objectives, develop and implement strategies for new products and
services, determine new opportunities by analyzing business needs,
provide direction, guidance and support for account executives and
regional district manager, pro-actively hunt for target organizations and
establish communications with those businesses that can benefit from
our Company's services, further develop multi-tier relationships to
organically grow the clients' accounts, build referral and lead generation
network, and implement business models so as to create new ventures.
The Business Development Manager opportunity available in your area
with Apple Capital is for a sales professional with a proven track record
of accomplishments. Applicants should possess the leadership talents
and work ethic to lead by example marketing our financial product
solutions. First year income potential of $75K - $250K commissions
and overrides.
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26.  ABL Account Receivable factoring
◦ Financial Services Application
◦ Aging Account Receivables
◦ Aging Account Payments (Might be needed)
◦ Copy of Sample Invoice
◦ Copy of Contract, PO, or proof of delivery
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28.  Two Applications
◦ Under $50,000
 Equipment Lease Application only but might need
financials
 Quote from vendor of equipment
 Please attach at least 1 year from $25,000 or more.
◦ Over $50,000
 Equipment Lease Application
 Quote from vendor of equipment
 2 years but 3 might be needed
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29.  Commercial Mortgage Application
◦ Financial Statements for 3 years and Tax return
◦ Rent Roll
◦ Brochure on Property
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30.  National Equipment Finance Association
 National Association of Equipment Leasing
Brokers
 Commercial Finance Association
 Equipment Leasing and Financing Association
 International Factoring Association
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31.  Commissions
 45%, 50% and 60% (See chart)
 Monthly and Quarter Bonuses
 Holiday Bonuses: Thanksgiving and Christmas
 Longevity Bonuses
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32.  We remove:
◦ Bankruptcies
◦ Tax Liens
◦ Civil Liens
◦ Judgments
◦ Foreclosures
◦ Slow Pays
◦ No Pays
◦ Repossessions
◦ Student Loans
◦ Inquiries
◦ Old/Wrong Names
◦ Old Addresses
◦ Incorrect SS# Numbers
◦ Incorrect Birth Dates
◦ Incorrect Places of Employment
◦ Charge Offs
◦ Medical Bills
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33.  SBA Financing
 Merchant Advances
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34.  Cash Flow
 Unable to qualify for traditional bank loan
products due to:
 Insufficient operating history
 Profitability (or lack there of)
 Debt to equity ratio
 Guarantors
 Past bankruptcies
 Industry preferences
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35.  Traditional Factoring
◦ Based on actual invoices only
 Receivables Line of Credit
◦ May include production equipment
◦ May include certain types of inventory
 Both of above at lesser advance rates
 Tougher underwriting process - traditional
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36.  The main difference between our factoring
product and our line of credit product is the
money management function.
◦ FACTOR – invoice specific and begin paying when
invoice is generated, automated process, Don’t
have to request funds; they are automatically
advanced with each new factored invoice. No cap on
total amount advanced; as receivables grow the
amount advanced grows.
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37.  LINE OF CREDIT – based on pre-approved line
and begin paying only when they advance
money on the line (Subject to monthly
minimum), manual process, gives more
control over the fees paid, the customer
controls the timing and amount of each
advance, capped at the LOC amount until an
increase in the line is requested and
approved
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38.  The three parties directly involved are: the
seller (our customer), account debtor and the
factor.
 The seller (our customer ) is owed money by
the second party, the account debtor. The
seller then sells one or more of its invoices at
a discount to the third party, the specialized
financial organization (aka the factor) to
obtain cash. The account debtor then directly
pays the factor the full value of the invoice.
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39.  It’s as easy as…
 Actual company
 B2B Sales
 Credit Terms
 Desired Capital ($)
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40.  Financial services companies and manufacturers in the $650 billion
U.S. equipment finance sector. Overall, business investment in
equipment and software accounts for 8.0 percent of the GDP; the
commercial equipment finance sector contributes about 4.5 percent
to the GDP.
 http://www.youtube.com/watch?v=-sr3UDUOM9s&feature=player_embed
 CFA Association
 http://www.youtube.com/watch?v=Lq0ukU60Qfs
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41.  All three positions offer aggressive performance based compensation plan with
premium commissions and residual income, recruiting bonuses – with no ceiling
on earning as your business builds. No sales boundaries and online sales
presentation are available when needed. Our critical financial services are in
demand by business and professional practices of all sizes. Excellent training and
the on-going support, you need to be successful. The freedom and independence
of a flexible schedule with no required evenings, weekends or major travel. After
90 days of employment, Health, Life and disability insurance, retirement and other
fringed benefits are available to employees and independent contractors.
As an industry leader, we are proud to provide a service that is recognized as an
effective solution and business tool with a unique value proposition that
immediately improves the profitability of our business and professional clients.
Apple Capital Group dedication to your success will be evident in the extensive
training and support tools you receive as well as the quality of our service to
clients. The entrepreneurial desire to succeed and a proven track record in
professional sales or business development, is the best qualifier. Solid computer
and Internet skills are a plus. The experience or ability to deal at the executive
level with businesses in your community, in a professional manner, is mandatory.
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43.  Increase account executives in South and
Southwestern States to 100 by the end of
12/31/2010, mainly Florida, Texas, California.
 Increase training of AE and staffing
 Promoting or hiring district managers from
existing or new AE in large populated areas
 Hiring business development managers; Texas,
Florida, California, Illinois and New York
 Introduce Insurance Products August 2010
 Introduce Business Brokerage Products October
2010
 Introduce Management Consulting February 2011
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44.  Introduction (Me, You and ACG)
 Systems Logins
 ACG Outlook
 Overview of Products
 Landslide Noon
 Lunch 1 pm Eastern
 Overview of Products
 100 Sales Plan
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45.  Based in Dallas, TX
 They average raising people’s credit scores 120 to 200 points in most cases
 It usually takes 90 to 180 days to see the best results. Sometimes you will see great
results in 45 days.
 They dispute accounts in a way that keeps them from coming back on the credit report.
Only 1 in about every
 10,000 accounts will come back on the report after we have deleted it, and all of those
accounts to date have
 been re-removed. The Fair Credit Reporting Act says that if the item is removed the
second time, it can NEVER be put back on the report.
 dispute all three credit bureaus: Experian, TransUnion, and Equifax/CSC.
 remove out of date, obsolete and unverifiable information. We do not
eliminate the debt. Most have been eliminated before we receive them
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