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of the

Highlights&

Takeaways

FinTech’s in the Banking Space

How are they doing

How to protect your portfolio

BANK LOAN

BANK

PAYMENTS PROCESSOR

COMMERCIAL ACCOUNT

The BANK LOAN is now in 2nd place to the merchant loan. The merchant loan is paid with every single deposit, prior to hitting the bank. Is there enough capital leftover for the business to make its loan payment?

BANK LOAN

BANKCOMMERCIAL ACCOUNT

TAKING BACK CONTROL

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• ACH log prospecting

• Frontline bank staff provided a road map to success

• Bank training and ongoing support (onsite and offsite)

• Bank branded program options

• Customized merchant prospect analysis and proposals

• Marketing support

• Frontline bank staff provided a road map to success

Range# of

Merchants % of Merchants Volume % of Volume

> 150 Million 3 0% $ 1,078,038,082.20 21%

> 25 Million < 150 Million 22 1% $ 1,058,452,778.16 20%

> 1 Million < 25 Million 626 18% $ 2,518,379,645.52 48%

>500k < 1 Million 397 11% $ 289,713,646.56 6%

>250k < 500k 445 12% $ 161,271,688.20 3%

>100k < 250k 567 16% $ 93,138,112.20 2%

<100k 1510 42% $ 57,707,411.04 1%

3570 100.00% $5,256,701,363.88 100.00%

• ACH log prospecting

• Frontline bank staff provided a road map to success

• Bank training and ongoing support (onsite and offsite)

• Bank branded program options

• Customized merchant prospect analysis and proposals

• Marketing support

• Frontline bank staff provided a road map to success

PPPChallenge

Data

Delivery

FDIC PPP Insights

Community Banks represented 31% of PPP loans delivered by all banks.

Market share of loans for community banks represents 15%.

FDIC PPP Insights

Community Banks posted a significant, 63% in C&I loan growth in Q2.

OUTSIDE OF MAJOR METROPOLITAN AREAS, COMMUNITY BANKS REPRESENT 70% OF THE MARKET.

WITH THE ADVENT OF PPP, LARGER BANKS WERE LEFT SCRAMBLING TO WORK OUT THEIR LIABILITIES AND TO VERIFY CUSTOMER INFORMATION.

COMMUNITY BANKS WERE ABLE TO PUSH THROUGH MORE APPLICATIONS BASED ON RELATIONSHIPS.

COMMUNITY BANKS WERE ABLE TO FUND 60% OF THE INITIAL FUNDING, WHILE CUSTOMERS AT LARGER BANKS WERE SITTING AROUND WAITING.

PPP + Community Banks

Remarkably, within the Celeroclient base of over 150 FI’s averaging $100M - $50B in assets, on average, nearly 30% of PPP loans were provided to non-bank customers.

Maximize PPP

No matter your PPP lending platform, you have access to incredibly rich data on existing and potential clients.

Torture The Data

Though bankers worked 9 months in a 3-month period, the next 6 months are perhaps the most important time for banks to fight and win extra share of wallet.

Until it speaks to you…

PPP databases provide a rich amount of customer information to drive new:

• Deposits

• Loans

• Fee Income Opportunities

Perhaps the best data point is the SIC code

Visualize the Opportunity

Given knowledge of industry, you can target your marketing approach with a personal touch (banker) tailored towards solutions that best fit the needs.

Market the Opportunity

In order to win a relationship . . . Somebody else has to lose it!

Maximize your bank’s effectiveness at saving small businesses through PPP by ‘torturing’ the data and pushing to gain new

relationships. Keep relationships at your bank – not FinTechs who want to act like banks!

Delivery

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