Biz2Credit - Connecting Smart People

Biz2Credit is a secure, customizable environment for small businesses to manage essential business activities. Proprietary technology allows them to access analytical tools, transact credit transactions, and engage professional and commercial services.Visit us at :http://www.biz2credit.com

Slide 1:Connecting Smart People to Smart Choices Executive Summary

Slide 2:Company

Slide 3:Who We Are: Company Overview At a Glance Founded in 2007 Providing education, credit fulfillment, and networking services to 25,000 minority small business owners internationally Established alliances with 30 national & international organizations Invested over USD 2 million in Patented technologies Closed $250 million in financing for SME clients Selected by KPMG as one of the 100 hottest emerging private companies in the US Recognized by Entrepreneur Magazine and MSNBC as top small business financing resource in US Major focus on ethnic groups and emerging mkts like India, Brazil, Mexico etc. On the Horizon Launched national small business owner survey Expanded Proprietary Credit Technology in India Released Global Entrepreneurial Exchange in Jan. 09

Slide 4:SME challenges worldwide: SMEs are largely underserved and disconnected in both developing and developed economies Fractured credit system Most small business owners do not know how to use, obtain or select the best type of financing to grow their enterprise. This is true in even the most sophisticated credit environments. Credit accountability is low. Lenders are unable to effectively promote valuable financing products and communicate with SMEs on a mass scale. Business loan brokers and DSAs are not equipped to effectively educate entrepreneurs or stay up to date on the latest available financing options Little awareness of available resources Low internet penetration creates barrier for aid organizations to create awareness on assistance programs available to SMEs There is no go-to resource for SMEs looking to gather information on best practices and policies on how to set up and grow their company Aversion to banking and large financial institutions General mistrust of banks and large financial institutions stems from money lending institutions

Slide 5:We have served SMEs in the US on three fronts:1. Securing Credit2. Building the SME Community3. Tools for Growing the Business

Slide 6:Leveling the credit field: Credit is the hub of the small business life cycle Overview of the Biz2Credit Decision-Making Engine Patented algorithm in the proprietary Loan Decision Making engine matches entrepreneurs with the best credit product in the market International network of lenders compete for small business financing and manage documents on platform Document Vault provides users with the ability to manage financial docs and share with lenders We provide entrepreneurs with more than just informed decisions… Unique algorithm generates best loan products within scope of business creditworthiness Displays borrower feedback on lenders Allows users to manage multiple loan apps from dashboard, communicate, and share docs with potential lenders Displays borrower feedback on lenders Ease of use: Calculates ratios and user defined variables to rank products without requiring in-depth financial knowledge Transparency: Provides side-by-side credit product comparison with past borrower feedback Resourcefulness: Provides secure online environment to manage loan application process with internal messaging features and document storage app

Slide 7:Transcending space: Biz Exchange Community delivers local market knowledge to entrepreneurs worldwide We give SMEs the opportunity to compete at the global scale… Platform to market business services and products to global audience of business owners Feedback on vendors/service providers worldwide Powerful industry networking tool to enter foreign markets – niche market apps* Ease of use: See the latest activity within particular industry, category, location. Acquire leads and contact service providers from one account Transparency: Business service provider comparison with feedback from fellow business owners Resourcefulness: Expands market reach of small businesses without the cost of running a major marketing campaign. Provides tools to transact

Slide 8:SME tools: Supply small business with the resources and tools to compete with Fortune 500 companies We deliver technology that helps business owners complete their transaction and focus on running their business. Secure and centralized document repository for file management/sharing Inbox/Outbox messaging app transcends language barrier* Feedback history to provide added level of comfort in transacting Powerful industry networking tool to enter foreign markets Ease of use: Mind your own business! Users only see relevant content and updates on their industry or market segment Transparency: Web 2.0 tools provide real-time user generated data and collaboration resources Resourcefulness: Vendor and business knowledge on the fly and the tools to transact.

Slide 9:Benefits to SMBs Increased transparency Choice of lenders and ability to contact at will Ease of use Lower cost of transactions Secured digital vault to store documents Seamless sharing of documents Access to rated service providers like accountants, business brokers, CPAs, attorneys, business valuers Access to value added products like business insurance, community , credit ratings etc.

Slide 10:Benefits for Lenders Lower cost of acquisition and retention Get pre qualified exclusive leads Use the system to service the existing SMB clients Benchmark the products and service levels against the industry standards Participate in knowledge initiatives to get insights into the customer needs Develop customized credit products