1

and Marlin Equipment Finance

Financing 101 with Marlin Business Services

2

Marlin is a Leader • National lender to small and mid-size

businesses• Offers loan and lease products

partnering with a broad array of equipment dealers and re-sellers

• Sales model focuses on delivering personalized “best in class” service to our channel partners

• Operations infrastructure designed to handle high volume, low ticket transactions efficiently

• Proprietary software and data intelligence gathering drives fast credit decisions

• 216K Customers served• 22K Dealer sources• Major Equipment Markets: - Copiers/Document Management - Security & Surveillance - Information Technology - Telecommunications

Corporate HQ

Lease Processing

Center

Southeastern Office

Marlin Business Bank

Western Office

3

Xccent and Marlin - Pre Delivery Funding

- Competitive Finance Program

- Customized quoting tools

- Expedited Lease Processes

4

Why Offer a Payment Option?

Understand your customers potential needs

Offer a full product and service Solution

Added value to your proposal

Eliminate Time in the decision process by making it affordable in the beginning

Minimize competitor shopping and lowering your profits

5

Why Customers Lease

Tax Benefits

Not a Liability on Credit

Keep Credit Lines Open

6

Leasing Benefits – Know your customer

Daycares

• Not a liability on their credit

• Keeps credit lines open for payroll, inventory etc

• Potential tax savings take the full depreciation on the equipment this tax year

• Offer as Finance option not a lease as the verbiage may confuse them

HOA/Church /PTA/PTO

• A lease can be structured as 0 down to have no immediate cash exhaustion

• Monthly payment option will appeal to the board as it is more affordable

• Customizing the payments option as quarterly or bi annually can be easier on their budgets

Municipalities/Schools • The monthly payment option offered up front can potentially keep them out of a bid process• The lease payment can be

sold in conjunction with any additional funding program like NJPA

• Payment option will help the Muni maximize it annual budgetary appropriations

• Less complex then bond financing, grant programs and conventional loans

7

Scenarios

•Offer a 0 down finance option

•Customize payment to their budget

•Offer deferred payment options

•Customize lease to meet their budget need

•Set up on annual payments

•Do entire Project now•Save customer money

•Offer short term lease •Minimize above and beyond cost

•Get sale now

Grant Annual Budget

Need to keep

capital Not in Budget until

summer

8

Standardized Process Marlin accepts credit application via:

Credit Application

Received

Decision Rendered

< 2 Hrs

Customer Agrees to

Move Forward

FinanceDocuments

Issued

Documents Received by

Marlin

PO Issued to Equipment

Vendor

Marlin Receives Invoice

Complete Verbal

verification

MarlinFunds

Transaction

Signed/Verbal Delivery and Acceptance

Marlin will notify the personnel and/or customer (lessee)

9

What can we finance ?

Labor PBO

Surfacing FreightOne easy payment option for your customer

10

Enhanced programs

•Help your newer centers get the playground they want now with a monthly payment options

• Max term 36 months- 20K max exposure

Start Up Program •Customers

who have had a tough couple years need a payment option-marlin can help

High Risk credit

•Deferred payments

•Annual payments

•Quarterly payment

•0% Financing •

Competitive pricing

11

Next Steps

Save leaseErep to browser

Proactively offer our finance program

Call me with any question

Put more money in your Pocket

12

Thank you!

Jennifer DeLong303-963-5832 (direct)

888-479-9111 ext 5015jdelong@marlinleasing.com

www.marlinleasing.com