Expansion Plan for the finance company under C&L Motors. Plan for growing Current Accounts Receivables Portfolio

1. Presented by Odanis Salomon

2.  Industry Overview
 Barriers to Entry
 Opportunity
 Growth Factors
 Competition and Industry Analysis
 Game Plan
 Use of Funds
 Management Team
 Big Picture

3.  Buy Here Pay Here Industry precedes the 2008
Recession
 According to the National Alliance of Buy Here Pay Here
Dealers under NADA, the Buy Here Pay Here Industry
exploded from 58B to 100B+ with 2 years of the 2008
Economic Crisis
 95% of Buy Here Pay Here Dealers are focused on
Deep Sub-Prime Deals (Credit Scores below 580)

4.  Experience needed to know what deals to buy (Average
Charge Off Rate for BHPH deals is 25-28%
 Must have separate auto industry knowledge to
understand the market
 High Amounts of capital are necessary to begin a
portfolio
 Relationships with dealers is a MUST because they
won’t sell you deals if they do not know you

5.  We have over 25 years of experience in the auto
industry and Buy Here Pay Here Industry
 We already have a profitable portfolio sized at
$2,150,000 which produces $158,000 on average per
month through fees, interest and principal pay-back.
 We have a time-proven vetting process to determine
whether or not we should buy a deal
 We have an experienced team looking forward to
growing this company

6.  Pre-Existing Profitable 2MM portfolio
 Current $158,000 Monthly Average Cashflow
 Profit Proven Strict Guidelines on BHPH purchases
 Young Hungry Management looking to expand
tremendously
 25+ Years of Auto Industry Experience

7.  Levels of Credit
› SuperPrime (800+)
› Prime (750-799)
› Good (700-749)
› Fair (650 – 699)
› SubPrime (350-649)
 Credit Score is determined by hundreds of factors
compiled over the borrowing history of the individual

8.  SuperPrime and Prime Credit Individuals usually have
their own bank or credit union provide their loan.
 Individuals with Credit Below Prime have a hard time
getting a loan from a Bank or Credit Union.
 That is where we come in.

9.  Levels of Competition
› Banks, Credit Unions, Manufacturer Financial
Services(i.e. Honda Financial)
 Not our direct competitors. We are not targeting
individuals with Credit Scores of 750 and above.
The Interest rate on their loans average to 4.99%
› National Used Car Groups (i.e. DriveTime,
CarMax, Carvana)
 Not our direct competitors. Although they are not
as stringent as Banks and Credit Unions, they still
target high credit score individuals

10.  Levels of Competitions (Cont.)
› Local BHPH Car Dealers
 These are our direct competitors. There are
multiple used car dealers in each state.
 The Difference between us and them is that we
already have a profitable Multi-million dollar
portfolio.

11.  Goals
› Within 3 Months
 Grow Total Accounts Receivables from 2.1MM to 5MM
 Hire 2 Qualified employees to service the increase of
accounts
 Retain our Astounding Industry low average of charge
offs
› Within 1 Year
 Grow Accounts Receivables from 2.1MM to 20MM
 Raise average interest rate from 20.6% to 22%

12.  Goals (Cont.)
› Within 5 years
 Establish a 100MM Portfolio and grow.
 Establish and maintain a 24% average interest rate
per deal
 Develop relationships with and purchase Accounts
Receivables from dealers in the entire South East
region of the United States

13.  All Funds will be used to purchase Vetted Buy Here Pay
Here deals from dealerships in the Tampa Bay Area.
 Strict Guidelines will be followed when vetting every
deal
 All Funds can be cash flowing with 40 days of transfer.

14.  Louis Salomon – Founder and Co-Owner
› 30+ years of experience in Automotive management
› 25+ years of experience in Ownership in the
Automotive Industry
 Cibeles Salomon – Co-Owner and VP of
Operations
› 20+ Years of experience in the automotive industry
› 20+ Years of Experience heading the operations of
multiple Auto Dealers

15.  Odanis Salomon – VP of Marketing and
Business Development
› 3 years of experience leading a team of financial
advisors
› 2 years of experience as a Managing Partner of a
financial services firm
› 3 years of experience leading a marketing
department
 Australia Montijo
› 6 years of experience leading a finance team in the
Automotive Buy Here Pay Here industry

16.  We are going to become the largest solely Buy Here
Pay Here Finance Company in the South East United
States whether or not we gain investors.
 We just want to know who wants to gain profit and be a
part of the ride.