The Interface Financial Group provides short-term working capital by purchasing accounts receivable from businesses, enabling immediate cash access without being a collection agency or lender. Their program involves buying selected invoices at a discount, offering clients upfront cash while taking over the wait time for payment. This service is beneficial for various businesses, especially during periods of growth or cash flow constraints, accommodating companies across multiple industries with varying sales volumes.

1. The Interface Financial Group “ Providing Working Capital For Business”

2. What We Do Make available short term working capital for GROWING businesses Purchase accounts receivable from clients for cash, and take over the remaining term of the receivable

3. What We Don’t Do We are not a collection agency We are not a lender of money We do not buy bad debts

4. What Is An Accounts Receivable? “ Money which is owed to a company by a customer for products and services...A specific sale is generally only treated as an account receivable after the customer is sent an invoice .” Source: Investorwords.com

5. How Does The IFG Program Work? We purchase selected invoices at a discount We supply clients with cash up-front We take over the waiting period on receivables, usually 45 days or less Client’s cost depends on when receivables are retired, but typically between 3-10% of the invoice amount

6. Why use Invoice Discounting? July 1 August 15 Order Taken Product Service Product or Service Delivered to Customer Bill Sent to Customer Customer Pays Bill July 7 July 15 Cash Flow - $10,000 $14,000 August 1 - $10,000 - $10,000 Cash Need: $30,000

7. Benefits of IFG Invoice Discounting Immediate access to cash to fund growth No minimum monthly volume requirements No program term requirement Client can use the service as they need it to meet specific cash flow needs

8. Client Profile Start-up companies, to companies in business many years Annual Sales of $250,000 to $5,000,000 Cash requirements of $1,000 to $1,000,000 on a one-time or monthly basis Requiring IFG services from 1-24 months All industries acceptable with the exception of medical receivables

9. Who Uses Invoice Discounting? Construction Sub-Contractors (cement, wiring, drywall, etc.) Staffing Companies Technology Consulting Companies Furniture Manufacturer Marketing/PR Firms Real Estate Agents and Brokers Landscape Contractors

10. Why use Invoice Discounting? Your growth potential is limited by slow turnaround on accounts receivable. You are experiencing a period of rapid growth. You have seasonal sales variations. Your cash constraints force you to pass up profitable opportunities.