IntroducingPay4

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What is Pay4…?

Unsecured working capital for UK companies:• not secured against business or personal assets• Pay4’s credit facility is insurance backed• additional finance, complimentary to bank facilities

A pre-approved, revolving credit facility used to pay suppliers in any currency/country

An online payment system which gives customers up to 120 days credit, with credit limits of £50k to £500k

Not related to the underlying contract between buyer and supplier• no lien/ownership of goods or invoice• no paperwork & minimal admin at point of transaction

“Structured Overdraft” • Structured: you pre agree repayment date and only for trade payments• Like an overdraft: you can dip into it when you choose

Invoices: In date and within terms (not overdue) Min transaction of £5,000 (can be single invoice or multiple to same supplier)

Currency: Any currency, worldwide

Term: Select from 30 to 120 days from date of invoice

Transaction Criteria

Pay4’s Uses

Settle Supplier Invoices EarlyGives the leverage of a cash buyer, without tying up the business’s cash

Extend payment terms Receive funds from onward sales prior to repaying Pay4

Combination of bothSettle an invoice when due, eg day 60, then extend for a further 60 days…

How will you use Pay4?

Pay4 has surveyed its customer base to ascertain the benefits derived from using its flexible working capital solution. The feedback indicated that customers benefited from being able to take advantage of various opportunities as a result of utilising the Pay4 facility:

• Clients negotiated prompt payment discounts. They used Pay4 to become a cash buyer without tying up their own cash.

• Businesses were able to tender for larger contracts which previously they would not be able to consider due to the working capital outlay.

• By freeing up working capital through deferring payment for supplies, businesses had the flexibility to offer their customers longer payment terms. This helped win business.

• Clients were able to pay for goods where the chosen supplier would not offer credit terms, and still take advantage of the credit by funding it through Pay4.

• Fund growth by using Pay4 to eliminate the differential between supplier and customer payment terms.

Flexible & Cost Effective: No set up, non-utilisation or management fees. No minimum volumes Competitive Transaction fees

Convenient: As easy to make a Pay4 transaction as any online payment Settle invoices to any number of suppliers, in any currency, worldwide

Complimentary finance: Not secured against business or personal assets Works alongside and in addition to existing finance

Benefits for your business

No set-up fees or non-utilisation fees Just a Transaction Fee based on the size and the term Fee incorporates Pay4’s cost of finance, banking and insurance

Monthly percentage Rate

Costs to the customer

30 Days 60 Days 90 Days 120 Days

£200,000 1.55% 1.33% 1.26% 1.23%

£150,000 1.57% 1.35% 1.27% 1.24%

£100,000 1.62% 1.37% 1.29% 1.25%

£50,000 1.77% 1.45% 1.34% 1.28%

£25,000 2.07% 1.60% 1.44% 1.36%

If you are happy to proceed, please provide the following:Step 1 – Due Diligence:

3 months Bank statements Debtor/Creditor listings Latest audited Accounts Management Accounts

Step 2 - Documentation: Facility Letter & T’s & C’s Board Resolution KYC

Next Steps

To keep your facility active we require each month:

Bank statements Debtor/Creditor listings Management Accounts

Please note: it is your responsibility to keep PAY4 updated with any personnel changes to the PAY4 platform

Welcome to Pay4

Thanks for listening & we look forward to working with you!