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R E V O L U T I O N I Z I N G B U S I N E S S L E N D I N G
Government | Federal | Small Business
NOTICE: This summary does not constitute an offer to sell Securities of the Company. An offer may be made only by an authorized representative of the
Company and the recipient must receive a complete copy of the Company’s Offering Memorandum, including all Exhibits.
“For Accredited Investors only pursuant to Rule 506(c) of the Securities Act of 1933, as amended."
The Problem/Opportunity
2
Businesses are still feeling the pinch from the Recession &
are having difficulty securing financing.
Rampton, John. "5 Main Reasons Banks Turn Down Small-Business Owners For Loans". Entrepreneur (2016): n. pag. Web. 10 May 2017.
According to Entrepreneur Media, Inc.,
“Over the last couple of years, large banks have been reducing
the amount of loans that they’re issuing to businesses.”
Problem
3
Restrictive Banking
Environment
Lack of History in Business
or Credit Challenges
4
Aligned with a seasoned Lending Partner
who has 22 year history of Lending.
Solution
Invoice-Based Line of Credit Program secured
by progress & approved for payment invoices.
5
The credit challenges that businesses are faced with and the Federal oversight
continues to impact banks & lending institutions.
These traditional lending sources have walked away from many creditworthy
companies while referring their customers to 4M&I & CAFI for financial support.
Competition
6
The value of our market as of 2016 sits at approximately
$233.58 billion market for asset-based lending in the U.S.
$-
$50
$100
$150
$200
$250
2014 2015
$218.3
$204.0
According to the Commercial Finance
Association, Asset-based lending credit line
commitments which, is 4M&I’s niche, amounted
to $218.3 billion in 2015 – a 7% growth from
the previous year.*
*Commercial Finance Association. Annual Asset-Based Lending And Factoring Survey Highlights, 2015.
Commercial Finance Association, 2016. Web. 10 May 2017.
Market Growth
The unique structure of the company has provided an Alternative Source of Financing for any business that
generates accounts receivables with Government Agencies.
As well as, securing a lending program that Investors can feel confident investing in.
7
Has over 37 years of experience in the Finance Industry.
• 5 years in the Mortgage Industry
• 15 years in the Banking Industry
• 17 years in the Asset-Based Lending Industry
Terri Conner Bashore
CEO & Founder
Management Team
Has extensive expertise for over 18 years in the retail,
healthcare, & social media sectors.
Edgar Ortiz
Senior Vice President
8
Business Model
Invest
You (Investor)
Investor Receives
8% Annual Return
Lends
Funds companies doing
business for the Government
Our Business Model is Highly Scalable!
9
Invest
You (Investor)
Lends
How It Works
You, the Investor,
invests in 4M&I. Then 4M&I lends CAFI
short term funds it needs
to service its customers.
CAFI pays 4M&I when it
receives direct payment from
the government agencies that
owes the money to CAFI
and its customers.
Businesses
(CAFI’s Customers)
Government
CAFI pays 4M&I when it receives
payment direct from the Government.
10
CAFI’s Portfolio of Customers Include:
• Minority-owned;
• Veteran-owned;
• Disabled-owned;
• Veteran disabled-owned;
• Disadvantaged Business Enterprises
(DBE) classification;
• Women Owned (WBE) classification;
• Small Business Enterprise (SBE)
classification;
• Native American-owned;
• U.S. Small Business Administration
8(a) Contractors.
Proven Concept
Our Relationship with CAFI has currently produced a successful model that not only provides businesses the funding
they need to continue pursuing more contracts as our economy continues to grow a rapid pace, but also allowing
investors to receive a FIXED rate of return.
11
CAFI Projects
• AT&T Stadium
• $5.6 Million Dollar
Epoxy Flooring
• Fort Bliss Military Base
• 3,500 Homes Built for
returning soldiers
• Fort Bliss Military Base
• $670 Million VA
Replacement Hospital
12
We greatly appreciate your interest in 4M&I!
Please contact:
The Executive Team at ...
Edgar Ortiz (SVP)
eortiz@4millc.com
(915) 241-3593 (c)
Terri Conner Bashore (CEO)
tcblsm@4millc.com
(915) 304-5260 (o)
Contact Us

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Revolutionizing Business Lending

  • 1. R E V O L U T I O N I Z I N G B U S I N E S S L E N D I N G Government | Federal | Small Business NOTICE: This summary does not constitute an offer to sell Securities of the Company. An offer may be made only by an authorized representative of the Company and the recipient must receive a complete copy of the Company’s Offering Memorandum, including all Exhibits. “For Accredited Investors only pursuant to Rule 506(c) of the Securities Act of 1933, as amended."
  • 2. The Problem/Opportunity 2 Businesses are still feeling the pinch from the Recession & are having difficulty securing financing. Rampton, John. "5 Main Reasons Banks Turn Down Small-Business Owners For Loans". Entrepreneur (2016): n. pag. Web. 10 May 2017. According to Entrepreneur Media, Inc., “Over the last couple of years, large banks have been reducing the amount of loans that they’re issuing to businesses.”
  • 3. Problem 3 Restrictive Banking Environment Lack of History in Business or Credit Challenges
  • 4. 4 Aligned with a seasoned Lending Partner who has 22 year history of Lending. Solution Invoice-Based Line of Credit Program secured by progress & approved for payment invoices.
  • 5. 5 The credit challenges that businesses are faced with and the Federal oversight continues to impact banks & lending institutions. These traditional lending sources have walked away from many creditworthy companies while referring their customers to 4M&I & CAFI for financial support. Competition
  • 6. 6 The value of our market as of 2016 sits at approximately $233.58 billion market for asset-based lending in the U.S. $- $50 $100 $150 $200 $250 2014 2015 $218.3 $204.0 According to the Commercial Finance Association, Asset-based lending credit line commitments which, is 4M&I’s niche, amounted to $218.3 billion in 2015 – a 7% growth from the previous year.* *Commercial Finance Association. Annual Asset-Based Lending And Factoring Survey Highlights, 2015. Commercial Finance Association, 2016. Web. 10 May 2017. Market Growth
  • 7. The unique structure of the company has provided an Alternative Source of Financing for any business that generates accounts receivables with Government Agencies. As well as, securing a lending program that Investors can feel confident investing in. 7 Has over 37 years of experience in the Finance Industry. • 5 years in the Mortgage Industry • 15 years in the Banking Industry • 17 years in the Asset-Based Lending Industry Terri Conner Bashore CEO & Founder Management Team Has extensive expertise for over 18 years in the retail, healthcare, & social media sectors. Edgar Ortiz Senior Vice President
  • 8. 8 Business Model Invest You (Investor) Investor Receives 8% Annual Return Lends Funds companies doing business for the Government Our Business Model is Highly Scalable!
  • 9. 9 Invest You (Investor) Lends How It Works You, the Investor, invests in 4M&I. Then 4M&I lends CAFI short term funds it needs to service its customers. CAFI pays 4M&I when it receives direct payment from the government agencies that owes the money to CAFI and its customers. Businesses (CAFI’s Customers) Government CAFI pays 4M&I when it receives payment direct from the Government.
  • 10. 10 CAFI’s Portfolio of Customers Include: • Minority-owned; • Veteran-owned; • Disabled-owned; • Veteran disabled-owned; • Disadvantaged Business Enterprises (DBE) classification; • Women Owned (WBE) classification; • Small Business Enterprise (SBE) classification; • Native American-owned; • U.S. Small Business Administration 8(a) Contractors. Proven Concept Our Relationship with CAFI has currently produced a successful model that not only provides businesses the funding they need to continue pursuing more contracts as our economy continues to grow a rapid pace, but also allowing investors to receive a FIXED rate of return.
  • 11. 11 CAFI Projects • AT&T Stadium • $5.6 Million Dollar Epoxy Flooring • Fort Bliss Military Base • 3,500 Homes Built for returning soldiers • Fort Bliss Military Base • $670 Million VA Replacement Hospital
  • 12. 12 We greatly appreciate your interest in 4M&I! Please contact: The Executive Team at ... Edgar Ortiz (SVP) eortiz@4millc.com (915) 241-3593 (c) Terri Conner Bashore (CEO) tcblsm@4millc.com (915) 304-5260 (o) Contact Us