EBF_Company_Overview1

• Organizations facing financial bank account if your customers will COMPANY OVERVIEW challenges that disqualify them not pay a third party (Ellis Don, Aecon, from traditional bank financing. PCL, government agencies, etc.) • Annual sales of $1MM - $100MM. • Once payment is received from your customer, EBF Funding Criteria: settles the transaction and rebates you the • Monthly AR remaining 25%, less of $100,000 - our fee earned for $10,000,000; providing this service. • Diverse customer base • You pick and with no more than 30% choose which concentration with any one invoices to factor and general contractor or customer. when, to meet your cash flow needs. How it Works: For More Information Contact • Present EBF with invoices for completed work that have been Anne MacRae signed off by customers. [email protected] Cell: 416-887-7963 • EBF confirms the invoices with your Office: 905-639-9711 customers and provides you with an www.ebf.ca initial advance of up to 75% of the invoice value. Express Business Funding 1455 Lakeshore Road • We wait for your customers to pay the Suite 203 South full amount of the invoice in their L7S 2J1 usual terms. Burlington, Ontario, Canada • Customer payments can go through a controlled

Unlocking Cash Flow for Business • Have a very large customer These slow payments can create cash flow base making it impractical to problems that hinder growth. Express Business Funding (EBF) is a get assignments from dozens of leader in providing working capital for customers. EBF eliminates this problem by factoring small and medium sized businesses outstanding commercial invoices, through: Funding Criteria: including progress billings. By receiving immediate payment for • Accounts receivable factoring and • Monthly AR of $300,000 - your outstanding invoices, you asset based loans $10,000,000. get the working capital you need to make payroll, pay Clients: • All sectors are suppliers, and, more eligible including importantly, take on • Early stage start ups who do not yet construction. new jobs. qualify for traditional bank financing. • Diverse customer Benefits: • Rapid growth organizations who base with a need more working capital than what maximum 30% • Enables you to offer 30 their bank can provide. concentration with any to 90 day payment terms one customer. to your customers without • Organizations facing financial hurting your cash flow. challenges, that disqualify them from Rates & Security: traditional bank financing. • Simple qualification • Fee is always all–inclusive. requirements. • Annual sales of $500K - $100MM. • No term commitment, and no • Flexible – use it only EBF offers both Traditional Factoring, obligation to factor all receivables. when you need it. Non-Notification (Confidential) Factoring and a hybrid of both: Factor what you need, when you Why EBF? need it, for as long as you need. • Over 70% of EBF’s • Industry specialists in factoring clients are factoring on • EBF advances up to 80% of construction receivables. a non-notification, the invoice value. or confidential, • We are the direct funder and you basis. • EBF must have 1st deal directly with the decision makers. position security It is Critical for Clients on the invoices we • No long-term contracts, no monthly Who: minimums or penalties for non-usage. fund. Can be behind • Do not want their other lenders on other Clients: customers to know they are assets. factoring, especially if they are • Early stage start ups who do not yet facing financial challenges. Unlocking Cash Flow for qualify for traditional bank financing. Construction Contractors • Rapid growth organizations who • Selling to large corporates or need more working capital than what government agencies that will not pay Construction contractors often have to their bank can provide. a third party (Wal-Mart, Magna, Aecon). wait 30, 60, or 90 days to get paid by their general contractors or commercial clients.