Company References and Lending Capabilities

1. SMART FINANCE OPTIONS
Corporate Office
201 W. Stassney Ln. #104-B
#104-
Austin, Texas 78745
Corporate Phone: 512.807.8159 Direct Fax: 888.547.7993
Email Address: info@smartfinanceoptions.com Web Site: www.smartfinanceoptions.com

2. SMART FINANCE OPTIONS
Who we are….
Smart Finance Options, Inc. has been serving clients from its
Corporate Headquarters in Austin, Texas and from branch offices
throughout the US and Mexico since 2003. We offer a wide array of financial
services, including Invoice Factoring, Equipment Leasing, Government
Finance, Medical Finance, Cross Border Finance, and Business Consulting.
Smart Finance Options, Inc. is a Business Consultancy Firm and Third
Party Intermediary that facilitates private business transactions and
provides consulting services to businesses and individuals on or about
private business matters.
Our Mission is to provide financial solutions for our business clients, and
to use our resources and expertise in becoming a value-based partner for end
users and vendors alike by affording them easy and flexible terms and access to
speedy credit underwriting.

3. References for
Smart Finance Options, Inc.
Dunn & Bradstreet - http://www.dnb.com/us/
(SFO Dunn’s # 79-102-6789)
Austin, Texas BBB - http://austin.bbb.org/
Texas Secretary of State - http://www.sos.state.tx.us/corp/index.shtml

4. SMART FINANCE OPTIONS
Whether you're a business owner, a finance professional, an equipment sales
representative, or a dealer seeking practical knowledge on Commercial
Financing, Equipment Leasing, and other business credit vehicles – we are your
source. Financing shouldn't be a mystery. The more you know about available
options, the more you'll be able to utilize them to your advantage. That's the
purpose of this presentation; to provide you with an educational resource that will
help you run a more profitable business.

5. SMART FINANCE OPTIONS
WHY DO BUSINESS WITH US?
We are a D&B rated Commercial Finance Intermediary with lending connections
in many areas of Finance.
When you shop your financing to separate lenders individually, your credit gets
pulled by each company, resulting in a lowering of your credit score. Because
we know the precise lender for your application, it is sent to that lender,
application
resulting in only one credit inquiry on your record, maintaining your credit
score.
Bottom line - - - we do the shopping for you - - - help to maintain your credit
score - - - AND find you the LOWEST rate possible.

6. SMART FINANCE OPTIONS
The following slides will give you brief information about our financial capabilities:
.
► Invoice Factoring (Both USA and International)
► Contract Financing (Monetization)
► Construction Mobilization Finance
► Inventory Finance
► Government Finance
► Equipment Leasing
► Medical Finance
► Business to Consumer Contract Finance
► Loan Servicing and Debt Recovery
► Real Estate Acquisition and Refinance

7. SMART FINANCE OPTIONS
Invoice Factoring is a great tool to use for immediate and predictable cash flow giving your
company the ability to receive cash within 24 hours of submitting your invoices, instead of waiting 30-60
days to receive payment. That immediate infusion of money allows you the freedom and flexibility to plan
and manage your firm’s activities without having to worry about cash flow problems.
We can purchase your invoices on a recourse or non-recourse basis. Any company creating an invoice
to another business is eligible, including:
Medical - Medical factoring works with all different types of billing providers; Medicare, Medicaid, and
Private Insurance.
Construction - Construction industry have special risks, costs and billing issues that many different
industries do not have. We can work with all different types of contractors and subcontractors.
International Factoring - This alternative financial tool allows you to compete and increase global sales
without increasing global risk. Any business can qualify for international factoring service if: they sell
credit worthy international customers or businesses, and have a minimum need of $100,000 in receivable
financing monthly. Our specialty is the Latin America markets.

8. SMART FINANCE OPTIONS
CONTRACT MOBILIZATION FINANCE
Financing Equipment Related Service Contracts
A Less Costly Alternative to Equity
Monetization Financing refers to the ability of a Vendor or Manufacturer to
monetize equipment related service contracts. In other words, convert the
equipment lease or rental part of a service contract into cash.
If you work with end users who are investment grade or near investment grade,
need equipment to provide the required service, and have a 2-15 year service
contract with the end user, we can monetize that service contract by advancing
money against the contract at a much more attractive rate than equity lending.
Contact us for complete details.

9. SMART FINANCE OPTIONS
CONSTRUCTION MOBILIZATION FINANCE
Growing Your Business with
Mobilization and AR Finance
Construction Financing is designed to help contractors take on larger projects and
to successfully complete those contracts on budget. Contract Financing gives
contractors confidence that they will have enough funds to cover their costs for
supplies and equipment on a project all the way through to the end of that project.
The facility includes funds for mobilization before work is done and invoices
issued as well as for progress payments as each part of the work is completed
and invoiced.

10. SMART FINANCE OPTIONS
Educational, Municipal, State & County Financing
Government Advantage!
For schools and local government agencies, interest to the investor is
exempt from federal tax making the payments lower than commercial rates.
Early Buyout Option: Available throughout the lease term
Option
Flexible Lease: Up to 60 months payment options include monthly, quarterly
Lease
semi-annual and annual payments, deferred and irregular payments can be
financed
Non-Appropriation Clause:
Clause
• The equipment purchase will not be construed as debt.
• Agencies have the right to cancel if their annual budget is not approved.
• No Security Deposit: For lower rates, advance or down payments are optional.
We assume the cancellation risk for non-appropriation of funds
for all governmental agencies as well as non-renewal and termination for
convenience cancellations for Federal Agencies

11. SMART FINANCE OPTIONS
Government Financing (Continued)
Vendors Advantage:
Full Payment: Funding within ten business days of receipt of properly
executed documents.
No Recourse: In most cases financing is like a cash sale to the Vendor.
Lease Documents: Delivered overnight or e-mailed within 24 hours.
We assume the cancellation risk for non-appropriation of funds
for all governmental agencies as well as non-renewal and termination for
convenience cancellations for Federal Agencies

12. SMART FINANCE OPTIONS
Commercial Lease Financing
Smart Finance Options is a full service equipment lessor that can provide a
broad range of cost effective and flexible lease programs for its
customers. We can customize any program to meet your customer’s cash
flow needs.
Why should you lease?
Companies choose to lease equipment because leasing represents the best
use of financial resources. Businesses that do not lease operate at a
resources
competitive disadvantage. They deny themselves the productivity-enhancing
effect of better equipment, which they could otherwise obtain. They operate with
older equipment than they could otherwise afford. Ultimately, they may lose the
ability to compete, having higher costs and lower productivity than better-run
operations.

13. SMART FINANCE OPTIONS
Medical Financing
Real Estate
Working Capital
Start Up Financing
Equipment Leasing
Debt Consolidation
Asset Based Lending
Medical Invoice Factoring
Practice Sales and Acquisition
For Healthcare Professionals of all specialties, we are ready to support your needs. It
is our mission to provide the best service with the highest standards of ethics. We are
members of the Better Business Bureau, and other trade associations. It is according
to the integrity and principles of these organizations by which we have founded our
company.
We are very interested in talking with you about your needs. Please contact us so we
can discuss the opportunities available to you.

14. SMART FINANCE OPTIONS
BUSINESS TO CONSUMER CONTRACT FINANCE
Should you decide to acquire financing for your retail installment
contracts you would immediately be able to have more readily
access capital. You could "cash" your retail installment contracts
rather than receiving monthly payments over a period of a year, two
years or even three years.
At the same time, you would be creating greater flexibility for your
company, while positioning yourself to cut down on the red tape and
paperwork required by traditional financing sources. In addition, by
financing your retail installment contracts, instead of seeking other
avenues of financing such as venture capital, you would not lose
any equity in your business.

15. SMART FINANCE OPTIONS
LOAN SERVICING and DEBT RECOVERY
Many companies find they are good at creating new sales, but not
very good at managing accounts receivable. We contract to manage
other company’s accounts receivables for a either a flat fee per
account per month or a percentage of the payment that we collect.
The fees structure is based on the type of credit that we are
servicing.
We offer our collection services with no risk and we will book in
delinquent debt at no up front cost to our clients. We keep our
collection fee for anything that we collect and if we do not collect,
WE DO NOT GET PAID. Our fee for collections is generally 1/3 of the
amount collected monthly on both CONSUMER and COMMERCIAL
DEBT .

16. SMART FINANCE OPTIONS
Commercial Real Estate Finance
For the Acquisition and Refinance of Commercial Income Property
♦
We will work with Owner Occupied
and Non-Owner Occupied Properties Nationwide
♦
Let us help you to finance or refinance your Commercial Property
We’re the Key To Your Finance

17. SMART FINANCE OPTIONS
We look forward to building a profitable and long term business relationship
with you! Your phone and email inquiries are welcome.
We want your business. May we have the opportunity to earn it?
Contact Information
Corporate Office – Charles Freeland, CEO
201 W. Stassney Ln. #104-B Austin, Texas 78745 Phone: 512-807-8159
Email: info@smartfinanceoptions.com Web Site: www.smartfinanceoptions.com
Austin, Texas Office – Mike Butler, President
Phone: 512-517-8200 ♦ Email: mike@smartfinanceoptions.com
Salt Lake City, Utah Office – ReNae Reid, Western Region Vice President
Phone: 801-336-0385 ♦ Email: renae@smartfinanceoptions.com
Richmond, Virginia Office – Susan Carlson, Eastern Region Vice President
Phone: 804-426-4177 ♦ Email: susan@smartfinanceoptions.com
Mexico Office – Sergio Veliz, Senior Vice President
Av. Mexico 3370, Plaza Bonita, K-O Interior 12, Guadalajara, Jalisco, Mexico CP. 44670
Mexico Phone: (044) (33) 1143-4946 ♦ US Phone: 512-650-3553 ♦ Email: sergio@smartfinanceoptions.com