“Your Business Growth Partners” AN Alternative Working Capital Finance company

Karen L. Small January 2004 - Present Founding Partner / Sales & Marketing Sterling Commercial Credit, LLC January 2004 - Present Karen L. Small Founding Partner of Sterling Commercial Credit. Over the course of the years, responsibilities included: Credit Underwriting, Credit Portfolio Management, Operations, Customer Service. Currently Heading up Marketing & Responsible for managing new business development efforts for SCC. Sterling Commercial Credit has sales offices in Brighton, MI; Atlanta, GA; Chicago, IL; Salt Lake City, UT; and Dallas TX. Prior to new appointment of Sales / Marketing, was Head of Underwriting for SCC. Founding Partner – Collateral Auditor Asset Based Audit Consultants, Inc. July 2000 – January 2004 Started auditing consulting company and grew to a staff of (8) field examiners. Performed collateral audits for large banks and finance companies. Field Examiner Michigan National Bank October 1992 – July 2000 Worked in both the Accounting Division and Field Audit Department

We Do not finance commercial real estate. Sterling offers a variety of solutions for borrowers, lenders, consultants, and more… Sterling Commercial Credit provides accounts receivable financing to Small to Mid-sized businesses which includes: Factoring Asset Based Lines of Credit We Do not finance commercial real estate. www.SterlingCommercialCredit.com | 800.560.2601

Footprint: Factoring, LOC’s, Ledger LOC (A/R, Inventory or Equipment) Companies that report annual revenue $250,000 - $25,000,000 Credit Facility from $25,000 - $2,500,000 Clients are nationwide SCC is Headquartered in Brighton, MI with sales offices in; Brighton, MI; Atlanta, GA; Chicago, IL; Salt Lake City, UT; Dallas, Texas; Greensboro, NC www.SterlingCommercialCredit.com | 800.560.2601

Industries Wholesaler Staffing Government B2B Service Seasonal Manufacturing Oil & Gas Transportation Wholesaler Government Seasonal Print Shops Distributor www.SterlingCommercialCredit.com | 800.560.2601

Case Study #1 Merger & Acquisition (M & A) Sellers Goals: Sell Company for $2.5million Seller financing $500K with $2million down payment Two year employee contract at $150K per year Exit day to day operations in next two years No interruption to clients or employees Continuation of business legacy Deal Fact Sheet: Annual sales $10million Accounts Receivable & Inventory combined for $3.5million with $500K in trade payables. Existing Bank Debt $250K Sterling Solution: Sterling Approved a $2.5MM ABL Line of Credit Advance 85% on acceptable accounts = $1.6million Advance 50% on acceptable inventory = $800K Seller Cash Down Payment at Closing = $2million Fresh working capital Day 1 = $400K Midwest Distillery, Inc Case Study #1 Merger & Acquisition (M & A) www.SterlingCommercialCredit.com | 800.560.2601

Case Study #2 High Growth Prospect Mad Hatter, LLC Company Goals: Company Designs and Distributes hats to specialty retail stores Locate Larger Line of Credit (Current Bank Loan $500K) Company A/R Level exceeds $1.5million and expected to grow in summer Company backlog over $3.5 Million Pay-down over 60-day vendors currently at $300K Deal Fact Sheet: Sales last three years totaled: $3.0 Million (2015), $4.5 Million (2016), $12 Million (estimate 2017) Local Community Bank declined loan increase over the current level of $500K Community Bank has SBA Real Estate of $1million and $500K line of credit Sterling Solution: Sterling approved $2.0 Million ABL Line of Credit Advance 80% on acceptable accounts = $1.2 million Community Bank paid off = $500K Fresh working capital = $700K Vendor payments paid current Sterling conducted an on-site field exam (adds 10-days to approval) and was closed within 40-days of application Mad Hatter, LLC Case Study #2 High Growth Prospect www.SterlingCommercialCredit.com | 800.560.2601

Case Study #3 Bank Work Out Staffing Company, Inc. Bank Goals: Original Loan $800K; Current balance was $275K Back-to-Back losses in excess of $300K; Watch Credit Rating within Bank Bank required to reduce exposure on watch credits and take no write-off on account Locate new source of working capital for client Maintain depository accounts Deal Fact Sheet: Government Staffing Contract Annual Sales $8 Million Open Accounts Receivable $900K with $100K over 90-days in age Accounts Receivable Made up of 25 Debtors with quality D&B Ratings Balance Sheet Confirmed Negative Equity of $550K after back-back losses Existing Bank Debt $275K Sterling Solution: Sterling Approved – Line of Credit for $1.5million secured by: 75% on acceptable accounts $800K X 75% = $675K Bank paid in full $275K Fresh working capital = $400K Sterling closed loan within 20 business days of application Staffing Company, Inc. Case Study #3 Bank Work Out

Sterling Products Factoring Asset Based LOC Ledger LOC Financing which involves the sale of companies Accounts Receivable Invoice at a discount 48 Hour Approval Process Credit Facility $25K-$2.5Million Advance Rates 70%-95% Fees 1.0-3.0% / Month Closing Fee $500.00 No Term Contracts No Monthly Minimums No Exit Fees No Wire Fees Satisfactory Invoice Verification Lockbox Requirement Secured by A/R, Inventory/Equipment Credit Facility $500K-$2.5Million P+ ; MM 0.25%-1% Closing Fee 1%-3% of Commitment A/R Advance Rate 80%-85% Weekly BBC Reporting No Covenant Rules No Un-Used Line Fees Audit Requirement if >$500K No Wire Fees Lockbox Requirement Secured by A/R, Inventory/Equipment Credit Facility $250K-$2.5Million P+ ; MM 0.75%-1.5% Closing Fee 1.5% of Commitment A/R Advance Rate 80%-85% Audit Requirement No Fees, No Early Exit Fees BBC or Factoring Reporting with Factor Lockbox, Controls Satisfactory Invoice Verification LOC Documents www.SterlingCommercialCredit.com | 800.560.2601

Sterling’s Ideal Candidates Fast Growth Companies (Revenue up 25% +) Merger & Acquisition's leveraging A/R, Inventory, Equipment Start-ups with strong experience in same field Limited or Under Capitalized Turnaround/fiscal pivot after losses or mistake Hard look at customer base & individual debtor limits established Tax Lien with installment agreement in place working towards subordination DIP Financing We DO NOT finance real estate or offer term notes but can partner with banks and finance Accounts Receivable while the bank finances tangible assets www.SterlingCommercialCredit.com | 800.560.2601

Commercial Loan Broker 12% Commission for life of the loan on all transactions closed Referral fee of $100 paid monthly on all qualified leads Receive ACH Payments by the 5th of the following month on all commissions Quarterly Bonus and Incentive Programs Monthly Newsletter and E-Blast www.SterlingCommercialCredit.com | 800.560.2601

Commercial Loan Broker Commission How it Works Client Commitment Amount Client Average Monthly Loan Balance Client Interest Rate % Sterling Annual Revenue Broker Commission % Broker Monthly Revenue Broker Annual Revenue $250,000 $200,000 18% $36,000 12% $360 $4,320 $500,000 $400,000 16% $64,000 $640 $7,680 $750,000 $650,000 14% $91,000 $910 $10,920 $1,000,000 $900,000 $108,000 $1,080 $12,960 www.SterlingCommercialCredit.com | 800.560.2601

Sterling Cash Flow Partners An exclusive opportunity for brokers who consistently perform above and beyond, and want to take their career to the next level. Limited to 30 Partnership Agreements 20% Commission for life of the loan on all transactions closed We offer you Business Cards with Partner Title Participate your own capital and earn up to 30% return We offer Product and Service Training with SCC Partner 10 Hours over 2 Days We offer Email Marketing to your contact list, branding you as a Cash Flow Partner www.SterlingCommercialCredit.com | 800.560.2601

Cash Flow Partners Commission How it Works Client Commitment Amount Client Average Monthly Loan Balance Client Interest Rate % Sterling Annual Revenue Broker Commission % Broker Monthly Revenue Broker Annual Revenue $250,000 $200,000 18% $36,000 20% $600 $7,200 $500,000 $400,000 16% $64,000 $1,067 $12,800 $750,000 $650,000 14% $91,000 $1,517 $18,200 $1,000,000 $900,000 12% $108,000 $1,800 $21,600 www.SterlingCommercialCredit.com | 800.560.2601

Karen L. Small – Founding Partner THANK YOU Find us on YouTube to learn more about Invoice Factoring and Asset Based Lending! What is Factoring? Asset Based Lending Visit us online at www.SterlingCommercialCredit.com To learn more, increase your cash flow, and achieve your financial growth goals! Karen L. Small – Founding Partner Karen@SterlingcommercialCredit.com| 800.560.2601