Non-Recourse Accounts Receivable Factoring*$100,000 to $10 Million per month*No Audits*No Financial Covenants*No Long-Term Commitment*Most B2B/B2G businesses are eligible including: Manufacturers, Oil and Gas, Distributors, Staffing and Software.Targeting businesses which do not meet traditional lending standards, including:*Historic losses*Negative Net Worth*Poor Personal Credit/Character Issues*High Customer ConcentrationsProposals issued in 24 hours. Funding in 3 -5 days.We fund some of the TOUGHEST deals!www.chrislehnes.com

Live Oak Bank offers account receivable factoring and asset based lending.

North Mill Capital provides account receivable factoring and asset-based lines of credit to businesses in need of $100,000 to $30 Million in financing.

Gibraltar provides asset based lines of credit and factoring facilities from $100,000 - $10,000,000.

o Created marketing pieces to be used in direct marketing efforts to targeting referral sourceso Developed relationships with intermediaries to create stream of qualified factoring referralso Effectively priced and structured factoring transactions to optimize acceptance rateo Managed relationships with client and intermediary through transaction approval and fundingo Generated over $80 Million in factoring volume and $4 Million in revenue in 2012

o Developed relationships with entities which could bring qualified deal flow to sales forceo Oversaw Lead Generation unit which was charged with screening leads and sending qualified opportunities to sales forceo Developed relationships with lenders to syndicate transactions which did not fit Ciena’s parameters.o Organized and oversaw whole-loan sales

o Managed staff of twelve Business Development Coordinators and National Account Managerso Maintained national account programs - increased activity by over 300% in first year through marketing and promotion of accounts o Developed over three dozen accounts resulting in over $200 Million in annual SBA Loan volume which included national brands such as Dunkin Donuts, UPS Store, Meineke & Golden Corral.o Designed and implemented SBA loan referral program with Bank of America with funded volume of $135 Million since inceptiono Oversaw Lead Generation Unit, which screened leads resulting from marketing campaigns.o Increased activity by over 400% to over $100 Million in funded referrals since 2000 though focus on direct marketing and promotion of national account programso Supported outside sales force in providing marketing assistance and developing programs & initiativeso Created “Bank Alliance” program, which is designed to encourage loan referrals from local banks by offering a number of targeted benefits

o Made contact with CIT department heads to educate on SBA Loan Producto Implemented programs with existing vendors and referral sources to refer SBA loanso Expanded relationship with Dunkin Donuts resulting in $50 Million in annual SBA Loan activityo Designed and implemented loan referral program with Matsco to fund real estate loans for dentists resulting in annual fundings of $40 Milliono Created alliance with CIT’s Home Equity group to offer SBA loans to approved broker base resulting in strong flow of referralso Designed and implemented direct marketing campaign (mail and Internet) with CIT’s Dell Financial Services Unit o Implemented Cross-Sell Reward program to provide employees with cash incentive to cross-sell o Worked closely with outside Sales Force to educate on other CIT product offeringso Generated over $70 Million in lead activity to SBA Group in first six months and annual funded volume of $75 Million from other CIT units

o Managed a staff of ten credit underwriters and loan closerso Oversaw origination, underwriting and closing of 300 SBA loans annuallyo Developed loan referral relationships with brokers and national franchiseso Increased fundings from $17 Million in 1997 to $47 Million in 1999o Possessed individual credit authority of $300,000