Lendinero is a company you can trust.

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A KGFA Capital Ventures L.L.C. Company
.
A Company You Can Trust
Un Lider de Confianza

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Table of Contents
Letter from the CEO and President
Government Agency Partnerships and Reference Letters
Office of Financial Regulation Good Standing Letter
Articles of Incorporation “Secretary of State”
Press Releases
Social Responsibility

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A Message From Our C.E.O.
Dear Business Owners:
Our mission is to assure that you place your vote of
confidence with our company. We have worked very
hard to gain your trust. Our team has developed this
package to assure that you place your trust in our
company.
Lendinero, a KGFA Capital Ventures L.L.C. company
has been endorsed and works closely with
government agencies and certified micro lenders
approved by the United States Small Business
Administration. In addition, we have been in
business since 2004. Prior to engaging in business
lending we provided mortgage loans. You will find
our registration and a clean record with the Office of
Financial Regulation. The relationships we have built
with government agencies and clear records with
financial regulators which we are disclosing to you
will assure you that you can place your trust on us.
Also, we are active in the community and a social
responsible company. We have donated our
earnings and hold special events for the Make-A-
Wish Foundation.
Last but not least, our company has been featured in
several publications and have participated in many
business events.
We are entrepreneurs and business owners too. We
understand your financial concerns, your needs, and
your growth objectives. Our mission is to assure that
we address your short-term capital needs, assess
return on investment and provide you with
alternative business funding when banking is not
option.
On behalf of my team I would like to welcome you
and thank you for your vote of confidence.
Sincerely,
Gil Martin-Zapata
President & C.E.O.
Un Mensaje de Nuestro Presidente
Estimados Propietarios:
Nuestra misión es asegurar que usted pone su voto
de confianza con nuestra empresa. Hemos trabajado
muy duro para ganar su confianza. Nuestro equipo
ha desarrollado este paquete para asegurarse de
que usted pone su confianza en nuestra empresa.
Lendinero, KGFA Capital Ventures L.L.C. Es una
empresa que trabaja en colaboración con las
agencias gubernamentales y los prestamistas micro
certificados aprobados por la Administración de
Pequeños Negocios de los EE.UU. Antes de participar
en los préstamos de negocios brindamos préstamos
hipotecarios. Va a encontrar nuestro registro y un
registro limpio con la Oficina de Regulación
Financiera. Las relaciones que hemos construido con
los organismos gubernamentales y registros claros
con los reguladores financieros le da la seguridad
que usted puede confiar en nuestra empresa.
Además, estamos activos en la comunidad y una
empresa socialmente responsable. Hemos donado
nuestras ganancias y la celebración de eventos
especiales para la Fundación Make-A-Wish.
Por último, nuestra empresa ha sido presentado en
varias publicaciones y ha participado en muchos
eventos de negocios.
Somos emprendedores y dueños de negocios
también. Entendemos sus preocupaciones
financieras, sus necesidades y sus objetivos de
crecimiento. Nuestra misión es asegurar que nos
dirigimos a sus necesidades de capital a corto plazo,
evaluar la rentabilidad de la inversión y le
proporcionará la financiación empresarial alternativa
cuando la banca no es opción.
En nombre de mi equipo me gustaría darle la
bienvenida y las gracias por su voto de confianza.
Atentamente,
Lic. Gil Martin-Zapata
Presidente / C.E.O.

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Government Agency
Partnerships and Reference
Letters

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Office of Financial
Regulation Good Standing
Letter

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Articles of Incorporation

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Lendinero joins the VC & Angel Investor Forum presenting Daymond
John, CEO of FUBU & Shark Tank Host.
(Miami, FL) March 22, 2013 - FundingPost has hosted 125+ sold-out venture events in 17 cities over
the past 6 years. At our next Miami event, the panel of investors will focus on Early-Stage Venture
Investing - how to meet investors, pitch them, and what it really takes to get them to write you a
check. Lendinero joins the forum to assist entrepreneurs.
About Lendinero:
Lendinero is a web based funding solution provider to small businesses. Lendinero provides loans
from $20K to $300K on a revolving basis and credit decisions are based on cash flow. The
company helps businesses that are non bankable and those who need capital for short-term
purposes. They can deliver a credit decision within 2 days and can fund a business within 7
business days. Lendinero offers a low friction process and give business owners quick access to
capital to manage immediate cash flow needs.
Media Contact: media@lendinero.com - 888-505-5835

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Lendinero Partners Up With Partners for Self Employment Inc., a United
States Small Business Administration Micro Certified Lender in Dade
County, the City of Miami
Lendinero will provide business workshops to PSE clients and the
business community in South Florida
(Miami, FL) October 19, 2013 - Founder of Lendinero, Gil Zapata has been speaking to business
owners and providing free workshops at Partners for Self-Employment Inc. for over 1 year. Today,
the company has strengthened its relationship and partnership with Partners for Self-Employment
Inc (PSE).
Lendinero will be sending numerous Funding Advisors to provide on-going workshops at PSE Inc. to
discuss the changes, challenges, and opportunities in obtaining alternative financing and small
business loans. The workshops will enable PSE's clients and entrepreneurs obtain information on
new programs and technology that have enabled small business owners obtain alternative
capital. While Lendinero focuses on cash flow driven loans, they will discuss other options which
they don't offer to include crowdfunding, sba interim loans, and structured financing.
Currently, there are over 20 million small business owners in the United States and only about 10%
can obtain a bank loan. South Florida Business owners continue to feel the pressure and challenges
in accessing traditional means of capital to expand, sustain, and grow their businesses. Lendinero's
partnership with Partners for Self Employment's objective is to educate South Florida Business
Owners and small business owners around the nation on how to access new funding
channels. These workshops will be available on-line to the small business owners all around the
nation. The Lendinero team will inform business owners on how they can strategically position
themselves to obtain alternative funding and become bankable in the future. Today, aside from
Lendinero.com there are a number of on-line players to include: kabbage.com, kickstarter.com,
lendingclub.com, and others who are niche lenders. Most of these lenders do not have stringent
requirements like the banks. They have designed different underwriting models and some don't
even base a credit decision on personal credit score to obtain small business loans.
"We have partnered up with numerous funding channels in New York who have obtained venture
capital from Google Capital Ventures, Morgan Stanley and the Venture Capital community. Over 1
Billion has been raised to allocate to small businesses in the form of small business
loans. However, many small businesses do not even know that there are new business funding
options available to them. Today, we have technology that can deliver a credit decision within 2 days
and fund a business within 7 business days. In the alternative financing industry our peers are
looking at different data points and things such as daily close out balances on bank statements,
social media, and other factors to provide small business loans. Many business owners in South
Florida are foreign to these options," states Gil Zapata, Managing Director & Founder of Lendinero.
About Partners for Self-Employment Inc.:
Founded in 1993, Partners for Self Employment, Inc. became recognized as one of the country's first
small- business micro-lenders that provides small business loans. For individuals and businesses
that would otherwise be unable to qualify for a traditional loan, there was suddenly hope for a fresh
start.The U.S. Treasury Department has certified PSE as a Community Financial Institution and is
designated Micro Loan Intermediary for the Small Business Administration, as well as an Individual

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Development Account Program by the U.S. Office of Community Service. PSE is a 501C3
supported by organizations, community partners and donations.
About Lendinero:
Lendinero is a web based funding solution provider to small businesses. Lendinero provides small
business loans from $10K to $300K on a revolving basis and credit decisions are based on cash
flow. The company helps businesses that are non bankable and those who need capital for short-
term purposes. They can deliver a credit decision within 2 days and can fund a business within 7
business days. Lendinero offers a low friction process and give business owners quick access to
capital to manage immediate cash flow needs.

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New Business Financing Alternatives for Hispanic Owned
Firms
FROM PRESS – TRANSLATIONAs Seen on “El Diario de Las Americas”:
http://www.diariolasamericas.com/dinero/nuevas-alternativas-acceso-a-capital.html
(Miami, FL) January 17, 2013 -
While not perfect , America offers more opportunities for ethnic and minority groups than any other
nation in the world. The number of companies considered as minorities - those in which 50% or
more of its tasks are operated and controlled by one or more individual blacks , Asians or Hispanics
- across the country is growing daily .
The Census Bureau reports that the number of minority-owned firms increased by 44% between
2002 and 2007. And from 2007 to the present , the numbers keep growing .
As these companies look for the "American Dream " are turning to new sources of funding. " The On
Deck and Kabbage signatures are only a fraction of the total market that gives loans to alternative
business. Great lenders have raised capital and independent sales organizations, known as ISO’s,
are the next gold rush. The industry cannot grow without the flow of loan applications and most
providers of these funds will depend on the ISO to make their sales goals each month," said Sean
Murray, founder of Merchant Processing Resource and Dailyfunder.com, an internet forum.
After seeing an opportunity to gain strength in this underserved market, companies like Lendinero
associated itself with 15 nontraditional lenders and funds including On Deck Capital, Swift Financial,
CAN Capital, Rapid Advance and others to obtain the best terms and interest rates for Hispanic
businesses or minorities. The company emerged as a connector between minority firms and
nontraditional lenders, which in the alternative funding space do not have the knowledge to break
the cultural barriers.
Lendinero, based in the heart of Miami’s Financial District, Brickell Avenue is changing consumer
habits for Hispanic business owners obtain a loan via the internet .
“These entrepreneurs are accustomed to traditional banking methods in their countries of origin. At
first we had doubts if these companies would feel comfortable to apply for a loan and submit their
bank accounts in our online portal, but when they saw that we can deliver a credit decision in two
days and they avoid a trip to our offices they were very satisfied . Today we have Hispanic business
applying for loan throughout the U.S. ,” stated Gilberto (Gil) Zapata, founder of Lendinero .
Today besides Lendinero, there are a number of financing options online such as Prosper,
Lendingclub, Kickstarter , and Pay Pal. These are additional sources of funding that are not being
exploited by the new generation of entrepreneurs.
Government agencies are also educating this segment of the market for new ways to raise capital
for their businesses by providing workshops and one to one business advice.

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Cornell Crews, program director for Partners for Self -Employment Inc., a non for profit agency and a
U.S. Small Business Administration certified micro lender said " minority businesses need help in
obtaining alternative financing methods. Around two years ago, many small businesses did not know
what that were on-line platforms such as Kickstarter, a rewards based crowd funding site. Today,
thanks to the support of many financial experts, companies are learning new and innovative ways to
access capital.”
Accion USA, The Southern Florida Minority Supplier Development Council, an affiliate of the
National Minority Supplier Development Council and the Minority Business Development Agency of
the U.S. Department of Commerce , are helping minority owners in a similar manner . These
agencies located in South Florida have formed indirect alliances and consult with Lendinero,
knowing that they communicate with
Hispanic business owners in their native language and understand their culture.
Testimony
Nestor Membreno, a native of Nicaragua learned about expensive commercial loans when he
attended a business seminar at Partners for Self -Employment Inc. When Membreno needed
business financing business for Jose Herbs & Produce Inc., his bank rejected his application for a
business loan . He went turned to Lendinero and got approved for a business loan in two days and
obtained funding within 7 working days. Two years later, Jose Herbs & Produce Inc. has accessed in
excess of $100,000, while paying more than 20% in the annual rate. "Although these loans were
expensive, I had the opportunity to establish business credit for the company and today I was finally
able to get a loan at a traditional bank. Lendinero from Miami understood our needs and understood
our international operations."
finanzas@diariolasamericas.com
*The content has been translated. All materials belong to "El Diario de Las Americas".

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Expertos brindan claves en financiamiento
para empresas
Miércoles, Abril 25 2012 20:38 | Escrito por Redacción
El optimismo por un buen futuro va de la mano de emprendedores entusiastas que creen en su
producto o empresa y buscan informarse de las opciones existentes como los que se dieron cita en
el foro “Nuevos Programas de financiamiento: ¿Cómo las empresas están obteniendo
millones de dólares?”.
Un grupo de empresarios
interesados en cómo ha
cambiado el panorama de los
préstamos bancarios para las
pequeñas, medianas y grandes
empresas hicieron que el
evento, celebrado el 24 de abril
en el auditorio principal de la
Escuela de Negocios Adolfo
Ibáñez, fuera todo un éxito.
Los ponentes fueron Fabiana
Estrada, Directora de Acción
USA; Eduardo V. del Río,
Vicepresidente de FT Trade
Financial Corp.; Laura
Becerra, Vicepresidente de Small Business Banker de Bank of America y Gil Zapata,
Vicepresidente de Lendinero.

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Cada uno de los expositores
habló sobre los diferentes
programas de financiamiento
que ofrecen a las compañías, lo
cual despertó un gran interés
entre los asistentes, quienes se
volcaron a participar durante el
momento de las preguntas y
respuestas.
La primera participación fue
por parte de la Directora de
Acción USA, quien explicó los
programas con que cuentan
para ayudar a los empresarios
que no pueden obtener un
crédito de forma tradicional para su pequeña empresa.
Después siguió el turno para Del Río, quien expuso a los asistentes el servicio de factoraje o
factoring que ofrecen a las empresas.
La exposición de Becerra, de
Small Business Banker de
Bank of America, fue una de
las que más preguntas atrajo
debido al interés por cómo la
institución financiera ha vuelto
a abrirse a los programas de
financiamiento de las
empresas.
Una de las inquietudes más
insistentes por parte del
público fue la pregunta sobre la
apertura de la industria
bancaria a hacer nuevamente
préstamos a las empresas, así
como el porcentaje de las tasas de interés que están ofreciendo, a lo cual, el último exponente,
Zapata, les explicó a detalle, no sin antes explicar cómo las propuestas presentadas por los demás
ponentes tienen cabida en su compañía, LENDINERO.

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“Muchos preguntan sobre las tasas de interés pero ese es un pensamiento de consumidor”,
resaltó.
En su lugar explicó que el empresario debe analizar que la ganancia que se obtiene del producto
en el que se invierte el financiamiento, equilibra el porcentaje del interés.
“Con el sólo hecho de tener el producto a la venta, se obtiene el pago”, comentó el
Vicepresidente de la compañía que tiene el objetivo de proveer múltiples soluciones financieras a
los propietarios de la pequeña industria en el país.
Los asistentes al foro, organizado por el periódico Mercado de Dinero USA, también tuvieron la
oportunidad de convivir y degustar un pequeño refrigerio, al mismo tiempo que pudieron convivir
e intercambiar ideas y tarjetas de negocios.
El próximo foro tendrá lugar el próximo 22 de mayo del 2012 también en el Auditorio principal
de la Escuela de Negocios Adolfo Ibáñez ubicado en la Avenida Brickell a las 8:30 A.M.
El tema será “¿Cómo lograr la venta masiva de su producto?” en el que se expondrán casos de
éxitos y la opinión de expertos sobre las claves para vender una marca en supermercados e internet.
Para registrarse,
puede hacerlo al 305-375-0878 o por e-mail: admin@mercadodedinerousa.com“.
El cupo es limitado y gratuito.
Redacción Miami.

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Social Responsibility

Lendinero is a company you can trust.

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