CG PROFILE-B

CG Companies Worldwide

July 21st 2015

CG Companies is a parent (holding) company with an organizational structure of children companies (e.g., subsidiaries, partnerships, and joint ventures). We are involved in commodities trading and transporting, business funding, debt collection/recovery, accounting services, and real estate (both commercial and residential) loans and investments. Please refer to the overview of the CG Companies below. Note that we are able to give interest rates as low (OR EVEN LOWER) as the bank or lender in CG's children companies because of the special arrangements between the parent company (CG Companies) and these companies and, thus, prospective clients should discuss the potential transaction with the CG Associate before asking the other or affiliated companies. We look forward to assisting you in the best manner possible.

Cordially,

CG Companies Worldwide  CG Worldwide - Head Quarter OfficeChicago Mercantile Exchange Building-Board of Trade30 South Wacker Drive, 22nd FloorChicago, Illinois 60606 (USA)Email: CG Associates – Claudia J GaleEmail: info@CGCompaniesWorldwide.comCG HQ Office: 312-466-5544Toll Free: 888-316-0002

CG Profile Overview

Insight: CG Companies (or CG Worldwide) is a diversified financing and consulting company comprised of four primary business segments:

(1) Strategic Investment and Trade (CG SIT) (2) Financing and Funding (CG FF)(3) Real Estate (CG RE)(4) Consulting (CG Consulting - especially, management consulting and business negotiation). CG was established through successions since 1996 in Chicago, Illinois, and is a holding (parent) company of financial and commodities services (e.g., bonds, notes, U.S. Treasury bills, iron, gold, sugar, rice, and other non-perishable products) companies, which are "children" companies of subsidiaries, partners, joint ventures, or affiliates. Today, more than 120 associates and affiliates are operating worldwide, including CG (USA) Head Quarters in Chicago, Illinois, which includes Los Angeles and San Diego, California; New York, New York; CG (Canada) HQ in Toronto, Canada; CG (Europe) HQ in London, UK (affiliate offices in Dusseldorf, Germany and Lyon, France); and, CG (Asia) HQ in Seoul, Korea (affiliate offices in Hong Kong, China and Mumbai, India).

Perspective in the Global Market: Strategic Investment & Trade (CGSIT) Division and Financing and Funding (CGFF) Division - CGSIT Division and CGFF Division are the core business of the CG, which is mainly financial advisory and consulting in bank securities, commodities, investments, and funding businesses. These operations are in conjunction with top world banks or financial institutions, including Bank of America, Bank of Montreal, Citibank, Credit Suisse Bank, Deutsche Bank, HSBC, Royal Bank of Canada, UBS, and other assets managements and private trusts.

CGSIT Division: A)   CG Strategic Investment and Trade (CG SIT) Division is mainly in buying, selling, and trading of bank and financial instruments, which include annuities, bank/financial securities, bank guarantees, bonds, certificate of deposits, line of credits, US Treasury Bills/Notes, and other asset-backed or collateralized financial notes. We are able to do transaction worldwide on the commodities exchange with direct trading (particularly currencies, metals, and US Treasury bills and bonds) under the registered Commodities Trading Advisor and National Futures Association. B) CGSIT Commodities Trading and Transporting (CG-TEC) Division is operational under TEC (Miami, FL), which is well-respected and has been buying, selling and shipping commodities and consumer products since 1997. We are able to service any legal distribution and/or shipment of products because of in-house expertise and shipping vehicles for finance, logistic, regulation, transportation, and commodities and product trade. Its multi-million dollars of international operations are involved in cement s (original and grey), chemicals and minerals (coal, sulphate and urea), fertilizer (organic), food and beverage products (canned, dry, fresh, or frozen meats, seafood's, beans, corns, cocoas, flours, fruits, milks, nuts, peanuts, plant/herbal, rice's, sugars, vegetables, and oils-palm, olive, sunflower, and vegetable), metals (gold, aluminum, copper, iron/steel, nickel, silver and zinc), oil/fuel (crude oil and diesel fuel), plants (outdoor, lumber, dried, and extracts), rubber (tires and natural rubber), spices (salt, pepper, garlic, herb, and dry goods), industrial goods (equipment, furniture and vehicles), and consumer goods (computers-software and hardware, clothes, generators, solar panels, telephones, and textile materials ). Please refer to the profile of CG-TEC. 

 

C)   CGSIT Consulting Division - Financial and investment consulting arm of CG, which is specifically dealing with high-end clientele for strategic investments and brokerage. Each client is personally assisted by a highly qualified expert and most transactions are under the specialized and secured private banking area.

CGFF Division: A)   CG Financing and Funding is active in Account Receivable, Purchase Order, Freight (Transportation of Shipping Products) Billing, Staffing/Employee Payroll, and Import/Export Funding. Our alliance of direct lending operations includes 16 countries and over 7000 clients that total our funding of over $9 billion. In addition, we are capable of helping our clients with acquisition, joint venture, contracting, equipment leasing, sale-lease back, line of credit and other financial services. Mainly, we are specializing in making or structuring investments and business consulting for medium-sized companies in North America and Canada that seek expansion, yet capable of particular small-sized and larger companies with creditable clients that have $1 million or more yearly in purchase orders, account receivables, real estate, bonds, or other low risk assets for collateral in distribution, manufacture, textile, and government contracts. Funding of $1 billion or more is possible if qualified assets and/or collateral (e.g., purchase orders, account receivables, real estate, bonds, or other low risk assets for collateral). Please refer to the profile of CG-BFS. B)   CGFF-PCapital/HB Funding and CGFF-SFS (New York, New York) is an established business financing company that has been leading the small-sized business loan industry and funded about $100 million in 2013. It is a direct lender and capable of in-house funding resources in addition to its network of resources. It gives $10,000 to $1 million financing to businesses that have been in operations for only three months with sales or revenues, which is generating sales with cash flow and potential profits. The capital can be available as soon as 24 hours if all of the necessary documents are provided and the loan repayment period of 3 to 6 months with new request of more funds after 50% of the first loan has been repaid and unlimited renewal periods. Because of in-house underwriting, the client will be able to get financing in any business industry and at anytime in the USA. Please refer to the profile of CG-PCapital and CG-SFS.

Perspective in the United States -- CG (USA) Companies: 1) CG Strategic Investment & Trade Division - CG (Worldwide) Companies  2) CG Financing and Funding Division - CG (Worldwide) Companies 3) CG Real Estate (CGRE) Division - Particularly in the USA, this division is involved in the following specialized operations.

A)   KMC/Alison Commercial Real Estate Banking (Newport Beach, California) was established in 1934 and is a fully registered commercial lending bank, which is the commercial real estate lending and brokerage services for CG. The established operation of the bank is capable of fully processing and underwriting loans and, in addition, private lending services by co-lending or servicing the loan. Often the loan amount of $500,000 to $50 million per transaction, yet the loan amount can be higher depending on the profile of the loan. Particularly, we have a special investment property rehabilitation loan for 1-4 units in the USA, which is a loan of up-to 65% of After-Rehab Market Value even for bad credit borrowers. KMC and its affiliates are the real estate administration and strategic finance relationship operations of CGRE. Please refer to the profile of CG/RINA-Alison Commercial Real Estate Banking and CGRE-BV Financial. B)   UPM/FlagStar Bank (Troy, Michigan) is fully licensed entities. FlagStar Bank is one of the leading lending institutions in the US bank industry and a direct lender of loans. Specifically, UPM (Lake Forest, CA) is a co-lender with our U.S. federal bank that is one of the top 15 savings bank in the USA and it is mainly financing FHA, Conventional, Jumbo, and Refinance Modification of special (interest rate as low as 2%, bad credit, and loan-to-value (LTV) of 125%) program home loans. Often our loans are $200,000 - $10 million, yet can be higher if the client has qualified. In addition, under the private trust banking operations, there is home and investment property loans for no income and no credit verification borrowers in particular U.S. states. Please refer to the profile of CG-UPM/FlagStar. C)   Lutz Construction Management Services (Tulsa, Oklahoma) is a project management and consulting firm specializing in general construction, financial services, environmental waste, and power energy industry projects for over 25 years throughout the USA. Landmark projects include the first power plant for Northeast Oklahoma, The City of Jay waste water treatment plant, Glen Pool Spur off Highway 75, and several commercial and residential projects. LCMS is the real estate management consulting entity for CG. Please refer to the profile of LCMS.

4) CG Consulting Division – CG has a pool of experts in management consulting and business negotiation. CG Executives are highly qualified and, often, the best in their profession and are working or have worked with for renown corporations or government agencies. This allows CG to provide the "best of the best" to give advice on specific strategic management and planning. A)   CGBS-FIA-EDR is well-respected information and investigation services, which is certified by the National Judgment Network and fully licensed to researching background, financial ownership, and location of a person or company. Specifically, this organization has experts in finding a person or company, identity verification, financial assets search, and debt recovery services with capabilities worldwide, particularly in the USA, Mexico, and Central America. Currently, under FIA-EDR, it is servicing debts of $1,000 or more and some of the largest legal firms and companies of debt collection in the USA. Our experts are using highly advanced technology of intelligence resources to gather and analysis information in order to locate and take legal action in the recovery multi-millions of dollars of debts and assets, providing the best service possible for our clients. Effective Debt Recovery is a partner of CG-FIA, providing financial research information and debt collection and recovery for CG Companies and its clients. Please refer to the profile of FIA and EDR B)   CGBS-CSC (Wilmington, Delaware) was founded in 1899 and is a worldwide operation and is one of the largest business consulting companies in the USA. It does a wide range of corporate services for low costs and is a major source for respected CPA, law, and financial services firms, which include filing corporations, formation of all types of companies, registered agent services, corporate kits, publications, trust and escrow agent services, plus many other small business and corporate services. CG is in alliance with CSC, and CGBS is able to offer major CPA, law and financial services companies to individuals and small businesses at a very low cost. In addition, under PCapital and SFS operations, it is able to provide credit card processing services at very low cost. Please refer to the profiles of CSC Global and SFS.

If you have a question, please contact our executive offices so that we can be of assistance. A staff member or representative may be reached by weekday between the hours of 8:30 AM to 5:00 PM Main Addresses in USA:CG Worldwide - Headquarter OfficeChicago Mercantile Exchange Building30 South Wacker Drive, 22nd FloorChicago, Illinois 60606 (USA)

CG Associates – Claudia J GaleEmail:  info@CGCompaniesWorldwide.comCG HQ Office: (312) 466-5544Toll Free : (888) 316-0002

(Note: Other CG Offices are operated independently in various states and countries)

CG FINANCING AND FUNDING

NOTE: The given information (including, but not limited to interest rates) will vary depending on the period of the loan submission and process. CGFF Division 1)  CG-SF Capital / PCapital BUSINESS LOANS IN ALL OF THE 50 STATES OF USAHOME-BASED BUSINESSES THAT ARE REGISTERED AS A BUSINESSNO COLLATERAL NEEDED / NO RISK OF YOUR ASSETSAPPROVAL ON CASH FLOW OF 3 MONTHS OF BANK STATEMENTSAPPROVAL ON ONLY $15,000 OF SALES OR CASH FLOW MONTHLYNO PRE-PAY PENALTY3 TO 10 MONTHS LOAN PERIOD & POSSIBLE UNLIMITED RENEWALS$5,000 to $1 MILLION ($5 MILLION FOR ASSET-BASED LOANS)  Working Capital Business Loans (NO PERSONAL LOANS)

Major factors for approval of funding are:   It must be an established business (No start-up companies)   The business must be operating in America   The business must be able to prove revenue   The business must be a registered business (i.e., home-based businesses)     

PCapital Business Financing is easier to be approved than banks

Unlike banks loans, our cash advances have no closing costs or upfront fees. There is no fixed timeframe for repayment of the cash advance either; the payments will just continue until the total balance has been repaid. Furthermore, there is no need to worry about making scheduled payments when sales are down.·   Quick approval process (Often 24 hours for pre - approval with 3 months of bank statements and application: KEY FACTOR is gross sales/cash flow)   Few requirements for approval, not based on credit rating(Often good credit score can give a lower interest rate, yet NOT the major factor of funding)    It doesn't show on your credit report (Credit score advantage)    No restrictions on the use of the money (use the your money for any reason)    There are no personal guarantees for repayment (Unsecured loans)    No liens on your home or business (No liability of collateral)    No fixed payments (3-6 months with unlimited renewals).  Receive funding within a week (Often MONEY is given in 5 businesses days, yet possible to be in 24 hours if all necessary information is provided)

Repayment is Flexible of 3-10 months possibly longer with Unlimited Renewals

After you receive your funds, we collect a fixed daily percentage of the sales you make until the full amount has been paid off. If sales slow while you are paying back the advance, the amount deducted for repayment is reduced proportionally. This arrangement is ideal for small business owners, as you are never in danger of being overwhelmed by repayment and your business cash flow will be minimally affected, allowing you to focus on running your business. It's just one of the ways how financing works for small business. 1. Repayment can be processed by customer’s credit card processing (which your company will make repayments for each customer’s credit card sale) 2. Repayment can be processed by company’s direct bank account withdrawal on an agreed period (which is an ACH method of repayment) NOTE: This funding is for businesses only, so (NO PERSONAL LOANS)

Some of the industries that have been successfully funded throughout the USA

Automotive Dealer Automotive Repair and Service Shops Beauty Salon and Retail Stores Clinics (Dentistry, Psychology, Research, Therapy, etc.) Education Services (Institute, School, Training Center, etc.) Food stores (Supermarket, Convenient Mart, Local Store, etc.) Franchise Store (Fast food, Brand Name Retail/Outlet, etc.) Gas Station Hotel and Motel (Hospitality Services and Lodging Facilities) Manufacture Medical and Health (Hospital, Heath Care Center, etc.) Liquor Store (Beverage and Spirit) Real Estate Construction (Investors, Developers, Contractors, etc.) Restaurant and/or Bar Retail Store (Consumer’s Products and Services) Staffing and Recruiting Services (Job Placement and Training) Transportation Services (Air, Ship, or Land Shipping)

Business Financing & Loan Types 

Small Business LoansMinority Business Loans (including women owned businesses)High Risk (Hard Money) Business LoansNo Collateral Loans (based on cash flow and profits of the business)Seasonal Business LoansFast Cash Business Loans (Possibly in 72 hours)Working Capital Business LoansBad Credit Business LoansSecured Business Loans (Possibly can be No Secured Business Loans)No Application Fee LoansNo Personal LoansNo Tax Return LoansNo Fixed Payment LoansBusiness Cash AdvanceCredit Card ProcessingEquipment Financing (Cash for the present value of equipment)Automatic Clearing House (ACH) Processing (i.e., Banking Transfers)

2) CG-BFS Financing and Funding Programs **Account Receivables / Invoice Finance Existing Business Operations: $180,000 per annum of annual sales Non-existing business operations (Start-Up): We have a ‘Kick Start’ for those businesses planning to do $180,000 + in their first year with commitment-free periods

Restrictions: Business-to-business sales only. Standard terms of 60 day or less.

Services: Advances of up to 90% (typically 85%) available within 24 hours of submitting invoices. Funding levels grow with sales. Comprehensive receivables management with full service offices throughout North America (Canada, Mexico, and the USA). Facilities considered up to 10 million funds advanced. Dedicated client relationship resource. Web-based access to extensive reporting.

Pricing:

Typically prices are at income rates of 15% to 24% annually. Rates could be above or below this where credit or service levels support it. We have ‘discount’ based pricing, which is a fixed percentage for a specific period of time. In a volatile climate of finance rate changes, this gives the security of knowing the rate to be paid. Alternatively we offer ‘availability’ based pricing with a one-time fee on the invoice for the receivables management service and a fee on the funds used. This operates in a similar manner to borrowing base and works well for clients not looking to always fully utilize available funds.  

**Purchase Order Finance Minimum Annual Sales: $600,000 per annum of annual sales (no commitment to use purchase order finance) Restrictions:Domestic receivables need to be part of the agreement.Needs to be credit worthy customers.Good quality support documentation is required. Services: We have four types of funding available:1)    Supplier Guarantee Issued by us at BFS (CG-BFS), it ensures that the liabilities of our client toward the supplier can be met from availability arising from a receivables facility.2)    Standby Letter of Credit from us at BFS (CG-BFS) or a bank’s irrevocable obligation to pay a supplier on behalf of our client in the event that our client himself does not pay the supplier when certain conditions are met.3)    Commercial Letter of Credit The bank promises to pay a seller that has complied with all the terms and conditions of the letter of credit.4)    Cash Payments Direct payment to supplier. Pricing: Price will vary according to the type of funding selected.

 

**Transportation/Freight Shipping Finance Minimum Shipment Sales: $100,000 sales requirement Restrictions: Require bill of lading and load confirmation prior to funding Services: 

1)    “Freedom” Non-Recourse with 93% advance. No monthly minimums, express application although no additional services. Maximum facility $50,000.

2)    “Express” Non-recourse with a 95% advance with additional services and maximum facility $75,000.

3)    “Premium” Recourse with 90% advance with committed volumes, with additional services and maximum facility $250,000.

4)“Flexible” This will be a traditional ‘general factoring’ recourse product typically with advances between 85% to 90% and income yields of between 15% through to 30%. Facilities of $250,000 and above

Pricing

Prices as previous column, additional services:1)Fuel cards with ATM and direct deposit2)Zero transfer fees

** Export Trade Finance

Minimum Annual Sales: $180,000 per annum of annual sales

Restrictions: Domestic receivables need to be part of the agreement Needs to be credit worthy customers. Good quality support documentation is required.

Services:

Advances of up to 85% (typically 80%) available within 24 hours of submitting invoices.Funding levels grow in line with salesFull range of currency funding and collection services availableAble to use overseas network of companies in 14 countries with multi-language skills

Pricing:Typically prices are at income rates of 15% to 24% annually. Rates could be above or below this where credit or service levels support it.

We have ‘discount” based pricing, which is fixed percentage for a specific period of time. In a volatile climate of finance rate changes, this gives the security of knowing the rate to be paid.

Alternatively we offer ‘availability’ based pricing with a one-time fee on the invoice for the receivables management service and a fee on the funds used. This operates in a similar manner to borrowing base and works well for clients not looking to always utilize available funds.

** Staffing Finance

Minimum Annual Sales: No sales requirement

Restrictions:

Require at least 80% temporary staffingSigned time sheets by customer that reference agreed bill ratesMust have workers compensation insuranceCurrent with all 940/941 payroll tax obligations

Services:

Payroll Management and Invoicing (P&D) Web-based payroll program, tax deposits, weekly and quarterly reporting, invoice printing and mailing, and much more.

Full Back Office Includes all features of P&I with the addition of a profit report company, client and employee; and ability to track Workers Compensation.

Pricing: Depends on size of payroll. See your local BDO for details

OUR BENEFITS:

Injection of cash to fund growth, improve payables, develop new projects and restructure businesses.The facility is linked to the size of your eligible accounts receivable and grows with you.Our “Availability’ based facilities allow you to drawn down only the funds you need and save money on funds you do not use.Take benefit of suppliers’ quick settlement terms.Secure the business finances on your business assets (NOT personal assets)Professional receivables management service. We will with you to develop a receivables management service to improve day outstanding performance.

OUR “MOST COMPETITIVE PRICING”

We are the most competitive receivables funder in the industry. We can offer two types of pricing

1)A small service fee to reflect the servicing of the A/R and a prime plus based charge on the funds you have chosen to use.2)A fixed percentage covering the service fee and the funds used. In times of volatile interest rates, this allows you to fix the costs of our service.

Note: As a direct lending source, we are able to lower pricing

Worldwide Operations with offices:

1) Australia2) Canada3) Czech Republic4) France5) Germany6) Hong Kong7) India8) Ireland9) Netherlands10) New Zealand11) Poland12) Singapore13) Slovakia14) Sweden15)United Kingdom (England, Northern Ireland, Scotland & Wales16) USA