Are you an equipment provider that wants to sell more equipment. Take a look at our Power-Point presentation that will show you how to generate more sales of your equipment, by teaming with Curtis Funding Group to provide a complete solution: your equipment and our money to acquire it, for your clients.

1. Benefits ofBenefits of
Equipment FinancingEquipment Financing
Equipment Sales Professionals
Equipment Financing as a Sales Tool
Tailored for…
In partnership with…

2. Equipment Financing
as a Sales Tool
 8 out of 10 companies finance equipment
 Equipment is more easily cost-justified by your sales team,
when quoting a monthly/quarterly payment rather than a
lump sum total price
 Equipment Financing is a convenient method of preserving
credit lines can help your customers preserve working
capital
 The use of Equipment Financing can enhance your sales
volumes and help you keep customers for life
 When a client pays off an obligation, budgeted funds
become available for additional equipment
The Benefits of Equipment FinancingThe Benefits of Equipment Financing

3. The Benefits of Equipment FinancingThe Benefits of Equipment Financing
• Accommodate Budget Restrictions
• Allows 100% Financing
• (incl soft costs,equipment from multiple vendors for new and/or used
equipment)
• Provides Ease of Acquiring YOUR equipment
• Conserves Working Capital for YOUR clients
• Allows for Easy Documentation, without surprises
• Promotes New Equipment at Regular Intervals

4.  Offer total support: You provide one
bundled solution for equipment and
financing, simplifying customer’s decision
 Overcome price objections: Increase
your sales, enhance profit margins by
offering monthly payment as a financing
solution
 Control the sale: Maintain control over
entire sales process by providing the full
equipment and financing package -- don’t
guess the status of customer’s funding
progress (Know it by teaming up w/ CFG)
The Benefits of Equipment FinancingThe Benefits of Equipment Financing

5. Sell the Monthly Payment
 Rather than quoting an expensive cash price, offer
an attractive monthly payment
Cash Price
upfront
finance
per month*
*Based on $100,000 X .01946
60-month finance rate factor
$100,000 vs $1,946
 Which would your customer more easily tolerate?
The Benefits of Equipment FinancingThe Benefits of Equipment Financing
*all rate factors used in this presentation are examples
only. Actual factors may differ.

6. Avoid Equipment Discounting
 Offering monthly payment prevents “sticker shock”
 Highlight the advantage of conserving cash, use financing to
help cost-justify, equipment, and avoid the necessity of
discounting the price to close the sale
 It is easier to cost-justify, and to close, a larger sale,
thereby increasing your revenue and earning potential
$100,000 $1,946vs
“Make that $98,000
and you have a deal.”
“Is that all?
That’s a great price.”*
*Based on $100,000 X .01946
60-month finance rate factor
The Benefits of Equipment FinancingThe Benefits of Equipment Financing
*all rate factors used in this presentation are
examples only. Actual factors may differ.

7. Sell to Your Customer’s Budget
 A longer term will lower the monthly payment
without reducing the price of the equipment
$3,086
36 months
Based on $100,000 X .03086*
sample finance rate factor
 Provide your customer with a quote that fits their budget
requirements

A 36 month term is too expensive? Suggest a 48 or 60
month term
$2,390
48 months
Based on $100,000 X .02390
sample finance rate factor
$1,946
60 months
Based on $100,000 X .01946*
sample finance rate factor
The Benefits of Equipment FinancingThe Benefits of Equipment Financing
*all rate factors used in this presentation are examples only.
Actual factors may differ.

8.  Use the suggestion of a longer term to up-size your equipment proposal
 With term flexibility, you can meet and exceed your customer’s needs,
and you can cost-justify the best equipment options more easily
Sell to Your Customer’s Budget
 A longer term will give your customer more
equipment for their money
$3,086
36 months
Based on .03086
Sample finance rate factor
$100,000
$3,086
48 months
Based on .02390
sample finance rate factor
$129,121
$3,086
60 months
Based on .01946
sample finance rate factor
$158,581
The Benefits of Equipment FinancingThe Benefits of Equipment Financing
*all rate factors used in this presentation are
examples only. Actual factors may differ.

9. Let’s Recap…
 Sell the monthly payment rather than the cash price, to cost-
justify your equipment and possibly up-sell
 Avoid sticker shock and equipment discounting to maintain
revenue
 Allow your customers to maintain cash reserves
 Receive fast credit approval and maintain control over the sale
status with timely communications
 Present simple finance documentation
 Put CFG on your sales team; let’s sell together
The Benefits of Equipment FinancingThe Benefits of Equipment Financing
Call Curt MacRae
20 Division St.
Coldwater, MI 49036 888/510-1355 (Ext 11)

10. Now..
Let’s
talk
Muni

11. For Municipalities
• Increased purchasing power – Monthly payments may help keep
the lessee within its budgetary constraints
• Acquire equipment from various vendors – A single finance
can allow the municipality to acquire diverse equipment
• Treat equipment financing as an operating expense –
lessee may be able to circumvent a budgeting problem / avoid lengthy
appropriation process
• Payments are all inclusive -- can include installation, maintenance,
shipping, training, software
• Finance can be paid off early -- at any time during finance-term
• Flexible payment terms are available -- finances are from two
to five years (or longer for certain situations); payment options include monthly,
quarterly, semi-annual, and annual with the option to defer payments until the
next fiscal year
• No down payments / advance payments required
• Ownership -- at end of term, client owns equipment; w/ no residual
The Benefits of Equipment FinancingThe Benefits of Equipment Financing

12. Municipalities and their Budgets –
Most municipalities do not implement budgets starting on a
calendar year. Across the board, cities, counties, and
various types of districts are facing reduced revenues and
the need to control their expenses and maintain their cash
reserves. Municipal financing allows them to pay for
needed equipment over time and that is the same benefit
that we have discussed with commercial clients. And,
financing payments can be moved into the next budget
year, allowing earlier acquisition of equipment, while
meeting budget requirements.
The Benefits of Equipment FinancingThe Benefits of Equipment Financing

13. Characteristics of Municipal Financing
• Voter approval not needed.-- funding comes from annual operating budget
• Compares favorably to Bond Issues when all costs, including attorneys, are considered
• Proves effective for terms under 10 years and less than $10 million.
• Finance documentation is simpler and faster; staff time and soft costs are minimized.
• No additional fees or reporting requirements.
• Early buyout options are available.
• Finance only what is needed, with the flexibility of choosing the term required
• Expected useful life of financed property matches the term of the finance
Characteristics of Bond Issues
• Need voter approval
• Cost of election and advertising, and issuance measurably affects true borrowing rates
• Appropriate for large issues and for long terms, but may not match capital needs
• Process is slow, consumes staff time and incurs hidden expenses and overhead costs and
commits the municipal entity to fixed payments regardless of local economy cycles
• Costs continue after issuance (Trustee fees, compliance reports, audit and review fees)
• Restricts future bond issues because of covenant restraints
• Often carry prepayment penalties
• Bond term may exceed useful life of equipment.

14. Avoid Equipment Discounting
 Offering monthly payment prevents “sticker shock”
$300,000 $5,558vs
“Make that $290,000
and you have a deal.”
“Is that all?
That’s a great price.”*
*Based on $300,000 X .01852
60-month finance rate factor
The Benefits of Equipment FinancingThe Benefits of Equipment Financing
*all rate factors used in this presentation are
examples only. Actual factors may differ.
• Highlight the advantage of conserving cash, use
financing to help cost-justify, equipment, and avoid the
necessity of discounting the price to close the sale
• It is easier to cost-justify, and to close, a larger sale,
thereby increasing your revenue and earning potential
• By bringing a total solution, including financing, you
differentiate your company as a total provider, and you
team with another professional in the sales process

15. For Muni Equipment Financing
 Cost-justify your equipment by selling the monthly payment rather than
the cash price
 Avoid sticker shock and equipment discounting to maintain revenue
 Tailor to municipal budgets and across budget years, and help your
municipality conserve it’s cash position
 Receive fast credit approval and a timely sale to turn inventory quickly
 Present a total solution for your customer, and differentiate your
company from your competitors
 Team up with Curtis Funding and add another professional to your
team, adding “no surprises” in the financing process
The Benefits of Equipment FinancingThe Benefits of Equipment Financing

18. Equipment Financing provides your clients
A TOTAL SOLUTION
 Easily cost justify equipment with a monthly payment
 Reduce sticker shock and price negotiation by client
 Improve control of sale with teamwork of CFG staff, who
update you regularly, with status of financing effort – Put
CFG on your sales team
 Receive fast credit approval, flexible terms for client,
and a timely sale to turn inventory quickly
 Present a total solution for your customer
Call Curt MacRae - 888/510-1355 (Ext.11)
cmac@curtisfunding.com

19. THANK
YOU…
from
888.510.1355 (Ext. 11)
www.curtisfunding.com