Finance for your SME clients /ClassicFG /company/classic-funding-group /classicfunding

About us One of Australia’s leading non-bank finance companies Flexible and smart finance solutions for business Over 25 years of history and experience Dedicated relationship managers Client focused servicing model Robust & Scalable Funding Structure In-house Decision Making Funded over $1 billion of assets Over 3,000 customers

OUR PRODUCT PORTFOLIO Debtor Finance Trade Finance Equipment Finance Cash flow solutions and asset finance to enable businesses to grow and thrive

Types of Finance What we finance Secured Loan New Assets Existing Assets New Assets Used Assets Repay ATO Debt Secured Loan Rental Sale & Leaseback

Eligible & Ineligible Assets Minimum $40,000 Maximum $1,500,000 New or Used Trucks/Trailers/Earthmoving Vehicles Solar/HVAC/Lighting Equipment Cranes (mobile and fixed)/Lifting/Safety Equipment Aircraft Manufacturing/printing/packing plant Technology Boats Scaffolding Retail Fitouts Gym Equipment Stock and perishable assets Software

Criteria Minimum Guidelines Min 2 Years in Business  Clear Equifax Property Ownership (residential or commercial) or 20% equity Serviceability (Debt Service Coverage Ratio) >0.8x Meets balance sheet requirements Working Capital Ratio >1.0 Gearing Ratio < 4.0 Positive Net worth Meets any 2 If a Deposit is needed – it does not have to be CASH… other assets can be provided.

Rates depend on credit worthiness & term From To >$100K 48/60 months 9.15% 12.35% 36 months 9.65% 12.95% <$100K (min. $40k) All Terms 11.05% 13.35% Loading Brokerage Up to 3% brokerage applicable on base rates Add 0.5% to base rate for extra 1% brokerage Fit out +1.0 % (Commercial Only) ATO Arrears +1.0 % (If not cleared with finance) Sale & Leaseback +1.0 %

DEBTOR FINANCE also known as Invoice Discounting HOW IT WORKS CFG fund 85% of the working capital tied up in existing invoices as well as new invoices when they are raised. Customers are invoiced as normal. The sales ledger is uploaded to our online platform. An advanced payment is made to the business, based on the value of the invoices uploaded, for use as needed. When the customers pay, the advance is repaid and the remaining 15% of the invoice is passed on, less our fees.

DEBTOR FINANCE Reasons to use Repayment of other financiers Capital raising, working capital, capital structure flexibility Acquisitions, MBO’s Repayment of shareholder loans Repay ATO arrears Assets Trade Receivables < 90 days old end of month 30-40% concentration limit Details Business to business sales on credit Good proof of debt/delivery $300,000 to $5,000,000 (drawn) Up to 85% advance rate 12 month minimum term Viable business

CUSTOMER REVIEWS

TRADE FINANCE Complements Debtor Finance when Either import or source product in Australia Supplier Payment before sale of product Need for working capital

TRADE FINANCE HOW IT WORKS

Why work with us You’ll have a dedicated business development manager who is there to help you. They'll meet you as part of the accreditation process giving you the opportunity to get to know more. A team focused all around you, providing you with a personal service Fast credit application and approval process Star Rewards program and competitive commission Training and workshops to help build your team's finance knowledge Regular functions and events