1. Senior Lending Specialist
BORROWER PERSONAS
Jason Fleming
Senior Lending Specialist
Spring 2015

2. Our Mission
Dealstruck’s mission is to provide small business owners with unique, appropriate, and affordable capital with honesty and transparency.

3. Dealstruck’s Value Proposition
We’re the only direct lender offering multiple financing products to small businesses in the mid-prime market.
Our term loans and lines of credit can be used in combination to solve complex financing needs.
We maintain the deepest passion for affordability, transparency, and honesty in our products.

4. Understanding Our Borrowers
This webinar is designed to help you understand the different borrower profiles we’ve encountered along the way.
By the end, you’ll get a clear picture of Dealstruck’s key types of borrowers and how to match them with the right product.

5. Dealstruck Products
Based on the needs and characteristics of small businesses, which product do you think will fit them best?
Term Loan
Ideal for businesses with large fixed purchases, expansion, or debt refinance
Line of Credit (Asset-Based & Inventory)
Ideal for businesses with recurring inventory purchases or with customers who pay via invoice

6. Dealstruck Products Prime +14.99% to Up to $500,000 $25,000 - $250,000
ASSET-BASED LOC
INVENTORY LOC
TERM LOAN
Up to $500,000
$25,000 - $250,000
$25,000 - $250,000
Prime % to
Prime %
Up to $500,000
9.99% to 29.99% APR
Submits Inventory Purchase Orders to Dealstruck
Dealstruck finances up to100% of inventory cost and sends payment to vendor
Draw paid back over 26 weeks, first 4 weeks interest-only
Draw can be paid down at any time to stop interest from accumulating
One fixed, equal monthly payment
Term length up to 48 months
Strong asset bases to provide as collateral
A history of successfully borrowing and paying down debt
Interest costs go down and principal is reduced
Submits Accounts Receivable (A/R) Aging Report to Dealstruck
Dealstruck establishes line of credit (up to 85% of A/R)
Customer-paid invoices immediately pay down on any outstanding balances.
As A/R grows, available credit grows with it

7. Borrower Persona #1: The Restauranteur
Industry: Restaurants
Need: Renovations
Product: Term Loan

8. Borrower Persona #2: The Online Marketplace Shop
Industry: eCommerce
Need: Inventory
Product: Inventory Line of Credit

9. Borrower Persona #3: The Thriving Local Retailer
Industry: Retail
Need: Additional Locations
Product: Term Loan + Inventory Line of Credit

10. Borrower Persona #4: The Project-Driven Subcontractor
Industry: Subcontracting in building works, civil engineering, construction, IT
Need: Payroll, materials, cash-strapped while waiting on invoices to be paid
Product: Asset-Based Line of Credit

11. Borrower Persona #5: The High Performance Manufacturer
Industry: Manufacturing
Need: Equipment, raw materials, assembly of materials
Product: Term Loan + Asset-Based Line of Credit

12. Borrower Persona #6: The Distributor
Industry: Distribution and Wholesale
Need: Payroll, high volume of orders/contracts to be filled
Product: Asset-Based Line of Credit + Credit Advance on Purchase Orders

13. Summary
Term Loan: If the borrower requires a fixed, one-time expenditure or expansion
Lines of Credit: If the borrower has a recurring need.
Asset-Based Line of Credit
Inventory Line of Credit

14. Thanks for joining us for the webinar!