1. JNJ CAPITAL RESOURCES UNLOCK YOUR CASH FLOW 1 JNJ Capital Resources Consultants, LLC. UNLOCK YOUR CASH FLOW presentation for: South Alliance Financial Workshop Presented by Jerrold N. Johnson

2. JNJ CAPITAL RESOURCES UNLOCK YOUR CASH FLOW 2 TOPICS  What Is Factoring  Cost Of Funds Influences  How To Choose A Factor  Invoice Factoring Benefits ★ JNJ Capital- Serves You By Facilitating An Equitable Funding Relationship Between You And Capital Lending Sources (WIN/WIN)!

3. JNJ CAPITAL RESOURCES UNLOCK YOUR CASH FLOW 3 What Is Factoring  A Financial transaction in which a business sells its accounts receivable (invoices) to a third party (factor) at a discount in exchange for immediate money.  Factoring differs from a bank loan in three main ways 1.First, the emphasis is on the value of the receivables (essentially a financial asset), not the firm’s credit worthiness. 2.Secondly, factoring is not a loan – it is the purchase of a financial asset (the accounts receivable). 3.Finally, a bank loan involves two parties whereas factoring involves three.  Factoring is a word often misused synonymously with invoice discounting - factoring is the sale of receivables whereas invoice discounting is borrowing where the receivable is used as collateral. JNJ CAPITAL RESOURCES UNLOCK YOUR CASH FLOW

4. 4 Cost Of Funds Influences  Committed Factoring Amount  The Greater the Monthly Volume, the Lower the Rates Monthly Minimums  No Contract –Higher Rates  The Longer the Contract, the Lower the Rates Six Months, One Year, Two Years  Non-Payment Risk  Recourse – The Seller Assumes Non-Payment Risk  Nonrecourse – Factor Assumes Non-Payment Risk  Invoice Payment Terms  Invoice Aging  Factoring Terms JNJ CAPITAL RESOURCES UNLOCK YOUR CASH FLOW

5. 5 How To Choose A Factor  Call JNJ Capital Resources Consultants, LLC. (DBA) JNJ Capital Resources  Our Services Are At No Cost To You  We Specialize In Solving Your Gov’t Contract Cash Flow Problems  Our Funders Are Prequalified –NO random Internet searches  We Focus On Your Requirements ★ BFC- Serves You By Facilitating An Equitable Funding Relationship Between You And Capital Lending Sources (WIN/WIN)! JNJ CAPITAL RESOURCES UNLOCK YOUR CASH FLOW

6. 6 Invoice Factoring Benefits IT’S NOT A LOAN $ Invoice Payment Delay 30-90-120 + days? $ Not Enough Cash to Fuel Growth? $ Is Credit an Issue? $ Can't Get Terms on Your Supplies? $ Trouble Covering Payroll? $ Want off Balance Sheet Funding? $ Need Working Capital? $Funding Within 24-72 Hours $Get From 60% to 90% In Advance $ No Personal Financial Guarantees $ No Minimum Monthly Fees $ No Long-Term Contracts $ Startups Welcome $ No Invoice Monthly Minimums

7. JNJ CAPITAL RESOURCES UNLOCK YOUR CASH FLOW 7

8. 8 Financial Products $ Accounts Receivable $ Invoice Factoring $ Sale-Leaseback $ Debt Restructuring Loans $ Machinery Loans $ Start - up Loans $ Letters of Credit $ Government Invoice Factoring $ Equipment Leasing $ Lines of Credit $ Asset-Based $ Commercial R. E. $ Acquisition Loans $ SBA $ P.O. Financing $ Government Contract Financing Virtually Any Type of Business Loan! JNJ CAPITAL RESOURCES UNLOCK YOUR CASH FLOW

9. 9 contact JNJ capital resources to unlock your cash flow We Show You How to U-OPM (USE – OTHER PEOPLE’S MONEY) JNJ Capital Resources Business finance consultants ARRANGE B2B FUNDING $ Equipment Leasing $ Commercial Real Estate Loans $ Financing Asset - Base Loans $ SBA Loans $ Accounts Receivable Loans $ Invoice Factoring $ Government Contract Financing $ Purchase Order Financing Fill out the No-Obligation Loan Application on the Website: CONTACT US @ Office: ( 678) 344 – 8801 Fax: ( 678) 344 – 8802 Email: JJ@JNJ-CAPITAL.COM Let Our Consultants Show You How to Get The Capital You Want A JNJ Capital Resources BFC Will Direct Your Loan To The Right Funding Source When Banks Say No! WE HAVE FUNDERS THAT SAY YES! Our Services May Cost You Nothing Business Finance Consultants (BFC) Arrange Virtually Any Type of Business Loan: contact JNJ Capital Resources to unlock your cash flow We Show You How to U-OPM (USE – OTHER PEOPLE’S MONEY) JNJ Capital Resources Business Finance Consultants ARRANGE B2B FUNDING Our Services May Cost You Nothing $ Equipment Leasing $ Commercial Real Estate Loans $ Financing Asset - Base Loans $ SBA Loans $ Accounts Receivable Loans $ Invoice Factoring $ Government Contract Financing $ Purchase Order Financing Fill out the No-Obligation Loan Application on the Website: CONTACT US @ Office: ( 678) 344 – 8801 Fax: ( 678) 344 – 8802 Email: JJ@JNJ-CAPITAL.COM Let Our Consultants Show You How to Get The Capital You Want A JNJ Capital Resources BFC Will Direct Your Loan To The Right Funding Source When Others Say No! WE HAVE FUNDERS THAT SAY YES! Business Finance Consultants (BFC) Arrange Virtually Any Type of Business Loan: