Capital Financial Solutions provides revolving credit and consumer loan programs to retailers through a web-based platform in order to increase sales and cash flow for retailers while offering affordable financing options for credit-challenged consumers, including revolving credit plans, deferred interest plans, and sub-prime programs. Capital Financial Solutions works with retailers to customize programs and provides marketing materials, quick funding, and a paperless online application process at affordable merchant fees.

1. Capital Financial Retail Financing
Revolving Credit Plan

2. About Capital Financial Solutions
Capital Financial Solutions is an organization that specializes in providing business and
financial solutions within the healthcare, commercial & retail sectors.
As a developer and facilitator of creative finance programs , Capital Financial Solutions has
the experience and ability to customize programs to fill a wide range of commercial and consumer
credit risks by offering custom rate plans for a wide spectrum of industries. Capital Financial
Solutions is sure to be a natural fit for your business environment.
Capital Financial Solutions over the years has developed a large network of finance companies,
banks, hedge funds, private equity & investment groups, factoring, equipment leasing, servicing
companies, debt buying groups, and collection agencies that we utilize to help our clients get the
most out of each and every program.
Capital Financial Solutions works closely with you to create the best plan of action and truly
manage your Custom programs so that you get the best price, creative structure, service, and
most importantly the best results that your business will come to expect in working with the
professional team at Capital Financial.
With our ability to provide immediate programs through our alliance network of funding & debt
buying sources, the financing of business and consumer accounts as well as the incorporation of
a full service receivables management system provides your company with the tools required to
grow your business year after year.

3. Experience In The Retail Industry
 Provide a turn-key revolving credit based loan program with extensive
promotional plans available
 No POS equipment needed; 100% web based solution set
 Supply all consumer marketing material/collateral at no additional cost
to the provider
CFS Retail Finance Program provides financing for thousands of retailers across the
United States

4. Consumer Loan Program Features
Multiple Payment Plans:
 Revolving Variable Rate Plan with three APR levels
Simple  12 and 18 month reduced APR plans
 6, 12, 18 month interest deferred plans
 Loan amounts from $100.00 to $10,000.00
Quick Service:
 Instant credit decisions
Fast  e-Docs & e-Signature
 Prompt payment of funds
Attractive Pricing With Easy-Sell Features:
 Affordable fee cost to providers
Better  Lower APR for consumers with credit challenges
 Web-based Universal Web Station application interface
 No special equipment to lease or buy

5. Examples of Available Consumer Credit Programs
Revolving CFS Retail Financing has designed its revolving
Credit Plan loan program on an automated loan platform to
be quick and efficient with no paper work,
e-signature capture and quick turn around time.
6, 12 & 18 Interest is Deferred if
Month Deferred Customer makes
Interest minimum payments and
if loan is paid in full
before 6, 12 or 18
months.
Prime & Sub- CFS Retail Finance provides a sub-prime finance
Prime Credit program for consumers who have had
Program Previous credit challenges.

6. Retail Program Benefits
Retailer Benefits Retailer Benefits
 Special programs and pricing  Increased Cash - Flow
 Higher credit approvals  Future up-sell potential to consumer
 Increased number of sales  Closed end platform available only to approved
 Affordable merchant finance fees retail professionals
 Programs that encourage repeat visits  Competitive advantage in the market place
 Increase customer base  Program offered through CFS will support
 Non-Prime program for credit challenged company growth strategy initiatives, increase
 Web based platform – No special market share and profitability
equipment or software required  Non-recourse to retailer
 Quick funding 2 to 3 business days  Paperless online process
 In-house call center that is intelligible  e-Signature capability w/o signature pad
 We will not share, or sell customer  24/7 online credit decisions & reporting
information

7. Consumer Program Benefits
Consumer Benefits
 Re-establish and improve credit
 Affordable monthly payments
 No Down Payment Required
 Lower minimum income requirement
 Special SAC promotional programs
 Reduced APR programs
 Non-Prime program for credit challenged
 May add subsequent charges w/o re-applying
 Excellent customer service & support
 No application fee
 24/7 Payment options check, ACH or online

8. Contact Us
Capital Financial Solutions, LLC.
Jeffrey S. Kohoutek,
Managing Director
p/ 866.751.1488
p/ 360.350.1086 ext 104
f/ 360.350.1087
c/ 714.728.0377
e/ jeff@capitalfinancial.org
www.capitalfinancial.org