Cashstream.com.au is an online commercial finance brokerage seeking funding. It aims to be the leading platform for commercial lending by developing an online "broking engine" that provides small businesses quick estimates of loan amounts and costs from multiple lenders. With funding, the company plans to launch its engine, expand operations, and pursue partnerships and licensing deals. The founders believe the company fills a gap for commercial borrowers and has opportunities for growth through various distribution channels.

1. SEPT. 2 0 1 0
S Y D N E Y
CHANGING THE WAY SMALL BUSINESS THINK ABOUT THEIR FINANCES
C A S H S T R E A M . C O M . AU SYD STARTPITC H
S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L
Tim Lea
Executive Manager & Founder of Cashstream.com.au
t: +61 2 8354 1462
m: 0415 556653
e: tim.lea@cashstream.com.au
w: www.cashstream.com.au

2. C A S H S T R E A M . C O M . A U P I T C H B O O K
cashstream.com.au

3. C A S H S T R E A M . C O M . A U P I T C H B O O K
cashstream.com.au
THE PROBLEM

4. C A S H S T R E A M . C O M . A U P I T C H B O O K
cashstream.com.au
Vision Statement

5. Vision Statement
cashstream.com.au
P I T C H B O O K
cashstream.com.au will be Australia’s first online
Commercial Finance Brokerage.
C A S H S T R E A M . C O M . A U

6. Strategic Core – Broking Engine Platform
.
Cashstream.com.au Will Be The Centre Of Commercial Finance Excellence On The Web.
P I T C H B O O K
C A S H S T R E A M . C O M . A U

7. Strategic Core – Broking Engine Platform
.
Cashstream.com.au Will Be The Centre Of Commercial Finance Excellence On The Web.
Launching Sept. 2010 Launching Dec. Launch Dates TBA
P I T C H B O O K
C A S H S T R E A M . C O M . A U

8. Strategic Core – Broking Engine Platform
.
Cashstream.com.au Will Be The Centre Of Commercial Finance Excellence On The Web.
Launching Sept. 2010 Launching Dec. Launch Dates TBA
P I T C H B O O K
C A S H S T R E A M . C O M . A U
Engine answers the first two questions a company asks a lender:
• How much can I borrow ?
• How much will it cost ?

9. Strategic Core – Broking Engine Platform
.
Cashstream.com.au Will Be The Centre Of Commercial Finance Excellence On The Web.
Launching Sept. 2010 Launching Dec. Launch Dates TBA
P I T C H B O O K
C A S H S T R E A M . C O M . A U
Engine answers the first two questions a company asks a lender:
• How much can I borrow ?
• How much will it cost ?
.....presenting a market summary and comparison of the lending panel

10. Strategic View Of Our Broking Engine Platform
.
Cashstream.com.au Will Be The Centre Of Commercial Finance Excellence On The Web.
P I T C H B O O K
C A S H S T R E A M . C O M . A U

11. Online Platform – Distributive Power Of White Labelling
.
Cashstream.com.au Will Be The Centre Of Commercial Finance Excellence On The Web.
P I T C H B O O K
C A S H S T R E A M . C O M . A U

12. Online Platform – Distributive Power Of White Labelling
.
Cashstream.com.au Will Be The Centre Of Commercial Finance Excellence On The Web.
P I T C H B O O K
C A S H S T R E A M . C O M . A U

13. Online Platform – Distributive Power Of White Labelling
.
Cashstream.com.au Will Be The Centre Of Commercial Finance Excellence On The Web.
P I T C H B O O K
C A S H S T R E A M . C O M . A U
 White labelling of our broking engine provides marketing partners (167 identified) with
opportunity for monetisation of an audience.
 White labelling with Trade Partners (accountants, residential brokers, financial planners etc)

14. C A S H S T R E A M . C O M . A U P I T C H B O O K
cashstream.com.au

15. C A S H S T R E A M . C O M . A U P I T C H B O O K
cashstream.com.au
THE PROBLEM

16. Residential Finance vs Commercial Finance
cashstream.com.au
P I T C H B O O K
C A S H S T R E A M . C O M . A U
2

17. Residential Finance vs Commercial Finance
cashstream.com.au
P I T C H B O O K
C A S H S T R E A M . C O M . A U
 The skill-sets are very different. Residential Finance tends to be “tick & flick”; commercial is
much more complex , which leads to...........
2

18. Residential Finance vs Commercial Finance
cashstream.com.au
P I T C H B O O K
C A S H S T R E A M . C O M . A U

19. Residential Finance vs Commercial Finance
cashstream.com.au
P I T C H B O O K
Residential Intermediaries
C A S H S T R E A M . C O M . A U

20. Residential Finance vs Commercial Finance
cashstream.com.au
P I T C H B O O K
Residential Intermediaries
Bankers
C A S H S T R E A M . C O M . A U

21. Residential Finance vs Commercial Finance
cashstream.com.au
P I T C H B O O K
C A S H S T R E A M . C O M . A U

22. Online Platform – Distributive Power Of White Labelling
.
Cashstream.com.au Will Be The Centre Of Commercial Finance Excellence On The Web.
P I T C H B O O K
C A S H S T R E A M . C O M . A U

23. Online Platform – Distributive Power Of White Labelling
.
Cashstream.com.au Will Be The Centre Of Commercial Finance Excellence On The Web.
 Largest National Residential Mortgage Aggregator (40% of market).
 We are looking after commercial finance transactions for 900 residential mortgage brokers/
financial planners in NSW.
P I T C H B O O K
C A S H S T R E A M . C O M . A U

24. C A S H S T R E A M . C O M . A U P I T C H B O O K
cashstream.com.au
The Too Hard Basket

25. Online Platform – Distributive Power Of White Labelling
.
Cashstream.com.au Will Be The Centre Of Commercial Finance Excellence On The Web.
P I T C H B O O K
C A S H S T R E A M . C O M . A U

26. Online Platform – Distributive Power Of White Labelling
.
Cashstream.com.au Will Be The Centre Of Commercial Finance Excellence On The Web.
P I T C H B O O K
C A S H S T R E A M . C O M . A U

27. Online Platform – Distributive Power Of White Labelling
.
Cashstream.com.au Will Be The Centre Of Commercial Finance Excellence On The Web.
 AFG assessing technology to roll out to ALL residential intermediaries nationwide (3000)
 We are undertaking full board presentation to AFG in Perth on 19th October.....for service
provision/equity. Potential to diminish exit value if we commit to equity too early
 Our preference is for independent , smart, money to support .
P I T C H B O O K
__________________________________________________
 Just skimming the surface of the power of the engine to reduce barriers between different
market segments.
 As far as we can tell – no-one doing this world-wide......
 Even before the Broking Engine has been launched we have had interest in buying the technology
C A S H S T R E A M . C O M . A U
and business from an international lender that wants to use the technology within their
international divisions.
 Clearly inappropriate to sell – but may present nice licensing opportunities.

28. The Core Business Model
.
Cashstream.com.au Success Oriented Fees Give Clients Confidence Respective Needs Are Aligned.
P I T C H B O O K
C A S H S T R E A M . C O M . A U

29. The Core Business Model
.
Cashstream.com.au Success Oriented Fees Give Clients Confidence Respective Needs Are Aligned.
 Brokerage From Successful Transactions.....so the more deals we originate and close the greater
P I T C H B O O K
the revenues.
 Potential for licensing income.
C A S H S T R E A M . C O M . A U

30. So Where Are We Now?
.
Cashstream.com.au Success Oriented Fees Give Clients Confidence Respective Needs Are Aligned.
P I T C H B O O K
C A S H S T R E A M . C O M . A U

31. So Where Are We Now?
.
Cashstream.com.au Success Oriented Fees Give Clients Confidence Respective Needs Are Aligned.
 Have revenues and clients.
 The First component of the Broking Engine is ready to launch – subject to final testing by lenders.
 The Relationship with AFG has the ability to :
 Generate marked enquiry levels
 Provide a platform for product development for enhanced segmental marketing.
P I T C H B O O K
 Provide an immediate potential source of business and revenues.
C A S H S T R E A M . C O M . A U

32. What Do we need?
Cashstream.com.au – Making Success Happen
FUNDING STRATEGY
Style Of Investors Sought Smart /Strategic (ideally with legal expertise)
Funding Stage: Early Stage
Investment to date: c.A$250,000
(Hard & Soft Costs)
Capital: A$500,000
P I T C H B O O K
Debt/Equity
Use of funds: Equity
Technology Development, Sales & Marketing, Human Resources,
& Working Capital Requirements
% of business offered 20%-25% (Dependent Upon Smarts &
2nd funding stage: Strategic Benefits Offered)
A$2,500,000
C A S H S T R E A M . C O M . A U
Use of funds: Product Enhancement - commercialRepayable products National
Split Between Equity & insurance Debt
Expansion of Model – Acquisition/ Franchising
International expansion of model.
6

33. C A S H S T R E A M . C O M . A U P I T C H B O O K
.
Cashstream.com.au
How will the cash be used?

34. C A S H S T R E A M . C O M . A U P I T C H B O O K
.
Cashstream.com.au
How will the cash be used?

35. Who Will Turn Potential Into Success
Management Team
Tim Lea launched cashstream.com.au in December 2008, having spent 11 months in
development. Prior to establishing cashstream.com.au, he spent 24 years within the
commercial finance space as both a lender & as a commercial finance broker in the UK
& Australia. He was involved entrepreneurially with 2 start-up internet based
businesses with Web 1.0 culminating in successfully selling a small web design house in
February 2001. He is an Economics Graduate, has an MA in Economics & an MBA and is a
published author on the subject of Factoring & Invoice Discounting.
Role : Business Development and Strategy
P I T C H B O O K
Andy Hilton (to join upon completion of first funding round) is currently Head of
Operations for a division of Liberty Financial, a substantial independent lender in the
Australian market, having established this division from inception in 2007.
Entrepreneurially, Andy managed an IT Distribution business in Australia for 5 years,
sellign his interestst in this business and spent 2 years in a Sydney based Corporate
C A S H S T R E A M . C O M . A U
Advisory practice. Andy is an Civil Engineering degree and is a qualified accountant.
Role : Operations, Lender Relations and Strategy

36. Biography
Advisory Board
Advisory board (subject to contract and funding) :
Anthony Bertini – Anthony has been actively involved within the Media & Publishing
Sectors – having been group sales director for ACP Publishing, IPC Magazines & BMC
P I T C H B O O K
Media before setting up a Corporate Advisory Practice that incubates innovative
technology (Thumper One). He was also a key Australian deal maker for the Global
Entrepreneur Scheme run by the British Government here in Australia.
Stephen Bennet – provisionally (& Subject to Contract) Stephen has expressed
interest in joining the advisory board. Stephen has been involved throughout his
C A S H S T R E A M . C O M . A U
professional life within financial services. He has successfully built up and sold a
number of insurance brokerages, & brings extensive experience within high growth
brokerage & insurance based models.

37. Financial Metrics Dashboard
Financial Projections Yrs 1- 4
1st Year 2nd Year 3rd Year 4th Year
Years 1-4
Total Loan Book $116m $461m $1,1,69m $2,373m
Gross Brokerage Revenue $1.8m $7.4m $16.5m $28.6m
OPEX $1.9m $6.6m $10.1m $14.9m
EBITDA ($0.6) ($0.7m) $3.26m $8.51m
EBIT ($0.6) ($0.8m) $3.12m $8.34m
NPAT ($0.6) ($0.8m) $2.95m $5.5m
Employees (FTE) 15 51 80 107
P I T C H B O O K
No. transactions 483 1,734 3,381 5,540
Financial Projections Yrs 1- 4
C A S H S T R E A M . C O M . A U

38. Why Invest?
cashstream.com.au. Maximising Shareholder Value.
 Key market drivers present - SME’s need help.
 We have Market Ready Technology – almost 3 years in development.
 Experienced and Qualified Management with advisory board
P I T C H B O O K
 We Have Secured Major Distribution Partner - where we will manage
the commercial transactions of 900 intermediaries in NSW using our
technology. A national rollout is being considered.
 Exit opportunities prevalent within the residential finance space –
C A S H S T R E A M . C O M . A U
where marked commercial weakness exists.
 We have already received an expression of interest to buy the
business and technology already.

39. Why Invest?
cashstream.com.au. Maximising Shareholder Value.
P I T C H B O O K
Ownership of the online channel will make us an ideal
target and with your help we believe we can achieve
healthy returns for all stakeholders.
C A S H S T R E A M . C O M . A U

40. SEPT. 2 0 1 0
S Y D N E Y
CHANGING THE WAY SMALL BUSINESS THINK ABOUT THEIR FINANCES
C A S H S T R E A M . C O M . AU SYD START PITC H
S T R I C T L Y P R I V A T E A N D C O N F I D E N T I A L
Tim Lea
Executive Manager & Founder of Cashstream.com.au
t: +61 2 8354 1462
m: 0415 556653
e: tim.lea@cashstream.com.au
w: www.cashstream.com.au