scfc loan program overviews 2017 (1)

2017

By the staff at

Strategic Cash Flow

Consultants

Loan Program Overviews

2 Loan Program Overviews

www.StrategicCashFlowConsultants.com

All rights reserved. No part of this publication may be reproduced or transmitted by

any means whatsoever without the written permission of the publisher.

This publication is intended to be informative and to aid in the education of its

intended audience. As laws are constantly changing, it is recommended you engage

the services of a competent professional if legal or expert assistance is required. It is

the desire of the publisher to make the information provided both informative and

entertaining to promote retention and understanding of the materials.

If you have questions about the content of these material’s, please contact:

Strategic Cash Flow Consultants

702-294-1001

Copyright © 2017 by

Strategic Cash Flow Consultants

Printed in the United States of America



Loan Programs Available

0% Business Lines of Credit (6 months-15months)

Fully Amortized Term Loans ($20,000 - $500,000)

Fully Amortized Term Loans (Up to $150,000-Bad

Credit)

Merchant Cash Advance

4-Hour Equipment Financing Program ($5,000 -

$500,000)

Contractor Financing (Revolving Line of Credit for

Supplies)

Business Acquisition Loans (Up to $1,000,000)



0% Unsecured Business Lines of Credit

Easy to qualify: Primarily based on personal credit scores of 700+ and good credit profile

Can qualify even with no assets or pre-revenue for a start up

Income and assets are stated, no financials needed

$25,000 to $250,000 per principal for 2+ Year Old Businesses

$25,000 to $150,000 for Start-Up Businesses

0% initial APR for 6 to 15 months, as low as 8% thereafter

As little as 7 days to get funding but no longer than 30 days.

Unsecured-No business requirements

Can be used for any business or investment purpose

Requires business owners personal guarantee but reports only to business credit

bureaus, not personal credit bureaus. Builds your businesses credit! Does not affect

personal credit.

Lines of credit come in the form of business credit cards with check writing capabilities

If primary business owner has bad credit, can use anyone with 700+ FICO score to

qualify.

Fast pre-qualifications by an expert underwriter in 24 hours free of charge

No application fees, No upfront fees of any kind

One-time 10% success fee on total amount funded (Example: $100,000 funded= $10,000

fee) for a $100,000 unsecured, stated income, no financials needed, 0% interest rate line

of credit

Compare fee to a $100,000 term loan for 36 months @ 6.5% ($10,336.41 total interest

paid). With a term loan once you use funds they are gone. With a line of credit as you pay

it down it reappears. It will also grow over time as the lenders see you use them

responsibly.

A 2010 study by Key Bridge asserts that for every $1,000 of this financing used for

business, $5,000 in revenue is created. This financing is good for our country

What is not required - Why we are unique

No tax returns

No pay stubs

No business plan

No insurance

No minimum age of business

No collateral

No lien position from lenders for real estate investment purposes

No review of real estate investment deal

No appraisals to review

This is not the only funding option. We have many funding options available.



Fully Amortized Term Loans - ($20,000 - $500,000) (Loans between $20,000 - $75,000 * Term Length 1-3 years)

Qualifications

Annual sales of $100,000+

2+ Years in business

Minimum 620 FICO score for business owner

No bankruptcy or foreclosures in last 3-years

No current or past due payments in last 12-months

*Can have up to 2-existing high rate loans or merchant cash advances at time of application

Need to Provide

Fully filled out application

3-months of bank statements (all pages)

Current debt schedule

(Loans between $75,000 - $200,000* Term Length 2-3 years)

Qualifications






*Cannot have any high rate loans or merchant cash advances at time of application

Need to Provide



2-Years most recent tax returns

Year-to-date financials


*Restricted Industries = Construction, Real Estate, Wholesale, Transportation, Nail Salon,

Clothing Store, Used Car Dealers, ecommerce, marijuana shops, strip clubs, and money services.



(Loans greater than $200,000* Term Length 4 years)

Qualifications






*Cannot have any high rate loans or merchant cash advances at time of application

Need to Provide



2-Years most recent tax returns

Year-to-date financials


Additional documents may be needed

*Restricted Industries = Construction, Real Estate, Wholesale, Transportation, Nail Salon,

Clothing Store, Used Car Dealers, ecommerce, marijuana shops, strip clubs, and money services.

Preferred Industries and Businesses

*Health Care *Liquor Stores

*Pet Care *Gas Stations

*CPAs *Convenience Stores

*Lawyers *Other Personal/Professional Businesses

*Engineers *Breweries

*Hotels and Motels *Distilleries

*Machine Shops *Dry Cleaners

*Funeral Homes *Agriculture/Farming

*Auto Repair Services *Landscaping

*Manufacturing *Grocery Stores

*Technology Related (IT) *Consultants

*Child Care *Retail Stores

*Restaurants *Bars/Pubs

Rates Start at 7.99%

Origination Fee starts at 3%

Payments Twice a month via ACH Process

No Pre-Payment Penalty



Fully Amortized Term Loans-Up to $150,000 *This loan product is for those business owners with challenged

personal credit Qualifications

More than 12-months at the same location

Average minimum of 12 credit card batches per month or 7 bank deposits

No more than 3 Non-Sufficient Funds in a month

Minimum FICO Score of 500

At Least $3,000 Visa/MC/Discover/AMEX sales per month or $150,000 in annual sales

No open bankruptcies, discharges or dismissals within 1-year

Recent judgments or tax liens must be on a payment plan

Must be current on rent or mortgage

Loan term length up to 24 months

Need to Provide

1 Page Application

Copy of Business License or Corporate Documents

Copy of Business Owners Drivers License

Voided Blank Business Check

6-12 Months of Bank Statements (All Pages)

3-Months Merchant Account Statements if Applicable



Merchant Cash Advance

Qualifications:

* Been in business at least 6 months.

* $15,000+ in monthly sales volume or $10,000 per month Visa/MasterCard volume.

* Must be current on your rent or mortgage.

* 4 or more deposits per month minimum!

If so, YOU QUALIFY and We Can Help!

However, we prefer to work with businesses that have been around at one year and do

$50,000 to $250,000 per month in sales.

We fund all types of businesses

We provide up to $3,000,000

No collateral required

No upfront fees

No need to change processors

No restrictions on how the funds are used

Poor credit is not a barrier! Approvals within 24 to 48 Hours

Terms up to 24 months

Fast funding, in as little as 2-3 days

We look for ways to say YES while others look for reasons to say no! Our underwriters are

trained to get past hurdles while most others will not even try.

We provide working capital based on cash flow and specialize in helping those unable to

obtain bank financing.

We do not lend to start-ups, those looking to purchase a business or offer project funding.

We do not charge an “interest rate” because this is not a loan. We purchase a portion of future

sales at a discount. We offer the most competitive rates in the industry. This is not just an idle

statement. It is a fact!



Rates are based on risk (amount advanced, length of term, cash flow of business, industry,

owner’s credit score, length of time in business, business Reputation, etc).

An example of our rates would be an advance of $100,000 at a risk rate of 1.28 creates a payback

of $128,000 over the term of (4-24 Months) for the $100,000 advance.

We look at the businesses last 6-12 months of bank statements, average the monthly sales volume

via deposits over that time-frame and offer 100% - 125% of that number. An example of this

would be if the business averages $100,000 per month in sales deposits we can offer between

$100,000 and $125,000 advance.

Need to Provide

1 Page Application

Copy of Business License or Corporate Documents

Copy of Business Owners Drivers License

Voided Blank Business Check

6-12 Months of Bank Statements (All Pages)

3-Months Merchant Account Statements if Applicable



Four Hour Equipment Financing Program - ($5,000 - $500,000)

1. What We Do: Strategic Cash Flow Consultants can provide fast funding through a working

term loan product for equipment transactions across multiple industries.

-Deal Sizes- 5k to 500k

-Purchase and Cash out Refinance

-Rates 7%+

-3-5 year terms

-Monthly amortization

-Up to 100% Financing

-Minimum 2 years in business

-No Startups

-Minimum 620 credit score

-Restricted Industries: Bars, Collection/Telemarketing agencies, Fitness/Gyms operating for

less than 5 years under current ownership , Restaurants operating for less than 5 years under

current ownership , Internet Service Providers, Application Service Providers , Mortgage brokers,

Property Managers , Cash-advance companies, Racing: MotoCross, NASCAR, etc.

Radio/Television stations, Gaming/Casinos , and Oil/Gas related companies

Restricted types of equipment: Advertising programs , Amusement park, Playground

equipment, Airplanes, Automated Teller Machines, Decompression tables costing over $25,000 ,

Energy-saving equipment , Hazardous waste equipment, Hood/exhaust systems, HVAC,

Inflatables, Irrigation systems, Kiosks, Permanent fixtures, Pre-fabricated buildings, Satellites,

Solar panels, Spray tanning booths, Tanning beds, Trains, Underground equipment, Vending

equipment , Water coolers and Water filtration units

-Target Industries: Construction, Agriculture, Transportation, Medical, Hospitality FF & E,

Sports Rental Equipment (ATV’s), Marine, IT, Manufacturing, Technology, Software,

Automotive, Professional Services, Healthcare and Pharmaceuticals

2. What Items we need for underwriting;

*Different levels of documentation are needed based on funding amounts:

a. Transactions up to 75k

1. 620+ credit score

2. 2-3+ years in business

3. Application only

b. Transactions up to 100k


2. 3+ years in business

3. Application only



c. Transactions from 100-250k



3. Last 2 years’ corporate returns or audited statements

4. Current year interim financial statements, including debt schedule

5. Last 2 years’ personal returns on ALL guarantors

6. Application

d. Transactions from $250,001-500k



3. Last 3 years’ corporate returns or audited statements

4. Current year interim financial statements, including debt schedule

5. Last 3 years’ personal returns on ALL guarantors

6. Application

7. Personal Financial Statements of all borrowers



CONTRACTOR FINANCING OVERVIEW

Commercial Contractors across the United States struggle with a lack of capital solutions mainly

due to the fact that lenders do not like their industry vertical because of cash flow issues that

occur. Strategic Cash Flow Consultants is affiliated with one of a handful of approved private

label partners with a lender that provides Commercial Contractors a revolving line of credit

product that is used for the purchase of supplies.

1. What We Do:

The lender is one of the few resources that Sub Contractors and General Contractors have that can

strengthen their cash flow. Their underwriting process is not based on the client’s FICO score but

base their financial decisions on the strength of the client’s projects and jobs.

They provide revolving lines of trade credit that pays the client’s supply house in ten days

or less (providing the client with an early pay discount from their supplier). Then the client is

required to pay the lender back within 150 days. The funding amounts are from $50,000 to

$10,000,000.

As a Sub Contractor cash flow is always a challenge. They are always the last one to get paid and

this product allows contractors to address this issue while being able to bid on more jobs to grow

their company revenues!

2. What Items we need for underwriting; a. Application with three trade references

b. Current Year to Date Balance Sheet

c. Current Year to Date Profit and Loss Statement

3. Important focuses a. Contractors with State, Federal or Municipalities jobs

b. Commercial only (No residential)

c. Invoice sizes of 50k to 10M

d. All 50 states

e. Start ups ok as long as jobs are strong

f. Ideal program for companies with existing revenues of 5m+

g. All Contractors considered with a specific focus on flooring, concrete, stone, steel, roofing,

glass, plastering, plumbing and cabinet contractors



Business Acquisition Program - Up to $1,000,000 Fully Amortized Term Loans Qualifications






Need to Provide



2-Years most recent business recent tax returns

Year-to-date financials (Profit & Loss and Balance Statement


Letter of Intent

2-Years most recent personal tax returns for buyer

Personal financial statement for buyer

Preferred Industries and Businesses

*Health Care *Liquor Stores

*Pet Care *Gas Stations

*CPAs *Convenience Stores

*Lawyers *Other Personal/Professional Businesses

*Hotels and Motels *Machine Shops

*Machine Shops *Manufacturing

*Auto Repair Services *Child Care

*Technology Related (IT) *Retail Stores

*Restaurants *Bars/Pubs

Used for Stock Asset Acquisition

Ownership Buy-In (New Partners/Owners)

Ownership Buy-Out (Retiring/Departing Owners)

Rates Start at 7.99%

Loan Terms up to 5-years with 7-year amortization

Origination Fee starts at 2%

Payments Twice a month via ACH Process

No Pre-Payment Penalty



Who We Are

DEO Enterprises LLC, also known as Strategic Cash Flow Consultants, is a Las Vegas, Nevada

based business consulting firm created to help small businesses grow.

Strategic Cash Flow Consultants is your one stop shop for funding and credit for your business. If

you are needing quick cash for your business we have programs that can get our clients funded

inside of 24 hours! We provide the following funding solutions to businesses:

-Revenue Based Advance

-Merchant Cash Advance

-0% Business Lines of Credit (6 months-15 months)

-Inventory Financing

-Equipment Leasing

-Contractor Financing (Revolving Line of Credit for Supplies)

Funding

We represent a direct cash flow lender to businesses. We provide funding to business owners

looking for growth capital even if they may have been turned down by their bank. We focus on

the cash flow of the business, not the business owner’s personal credit. We also have programs

for start-ups as well and work with other direct lenders on behalf of our clients. We have many

funding options available.

Business Credit

We help business owners separate their personal credit from their business. We do this by

creating a separate business credit file, business credit history and business credit score for their

entity (LLC or Corporation) so credit lines can be obtained in the business name with no personal

credit or personal guarantees needed. Make your business a financial asset!

To get started or find out more about any of our funding programs please contact Dan

Ollman at (702) 294-1001 or www.StrategicCashFlowConsultants.com

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