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A KGFA Capital Ventures L.L.C. dba: Lendinero

.

A Company You Can Trust

Un Lider de Confianza

Featured In The News:

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Table of Contents

Letter from the CEO and President

Government Agency Partnerships and Reference Letters

Office of Financial Regulation Good Standing Letter

Articles of Incorporation “Secretary of State”

Press Releases

Social Responsibility

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A Message From Our C.E.O.

Dear Business Owners:

Our mission is to assure that you place your vote of

confidence with our company. We have worked very

hard to gain your trust. Our team has developed this

package to assure that you place your trust in our

company.

Lendinero, a KGFA Capital Ventures L.L.C. company

has been endorsed and works closely with

government agencies and certified micro lenders

approved by the United States Small Business

Administration. In addition, we have been in

business since 2004. Prior to engaging in business

lending we provided mortgage loans. You will find

our registration and a clean record with the Office of

Financial Regulation. The relationships we have built

with government agencies and clear records with

financial regulators which we are disclosing to you

will assure you that you can place your trust on us.

Also, we are active in the community and a social

responsible company. We have donated our

earnings and hold special events for the Make-A-

Wish Foundation.

Last but not least, our company has been featured in

several publications and have participated in many

business events.

We are entrepreneurs and business owners too. We

understand your financial concerns, your needs, and

your growth objectives. Our mission is to assure that

we address your short-term capital needs, assess

return on investment and provide you with

alternative business funding when banking is not

option.

On behalf of my team I would like to welcome you

and thank you for your vote of confidence.

Sincerely,

Gil Martin-Zapata

President & C.E.O.

Un Mensaje de Nuestro Presidente

Estimados Propietarios:

Nuestra misión es asegurar que usted pone su voto

de confianza con nuestra empresa. Hemos trabajado

muy duro para ganar su confianza. Nuestro equipo

ha desarrollado este paquete para asegurarse de

que usted pone su confianza en nuestra empresa.

Lendinero, KGFA Capital Ventures L.L.C. Es una

empresa que trabaja en colaboración con las

agencias gubernamentales y los prestamistas micro

certificados aprobados por la Administración de

Pequeños Negocios de los EE.UU. Antes de participar

en los préstamos de negocios brindamos préstamos

hipotecarios. Va a encontrar nuestro registro y un

registro limpio con la Oficina de Regulación

Financiera. Las relaciones que hemos construido con

los organismos gubernamentales y registros claros

con los reguladores financieros le da la seguridad

que usted puede confiar en nuestra empresa.

Además, estamos activos en la comunidad y una

empresa socialmente responsable. Hemos donado

nuestras ganancias y la celebración de eventos

especiales para la Fundación Make-A-Wish.

Por último, nuestra empresa ha sido presentado en

varias publicaciones y ha participado en muchos

eventos de negocios.

Somos emprendedores y dueños de negocios

también. Entendemos sus preocupaciones

financieras, sus necesidades y sus objetivos de

crecimiento. Nuestra misión es asegurar que nos

dirigimos a sus necesidades de capital a corto plazo,

evaluar la rentabilidad de la inversión y le

proporcionará la financiación empresarial alternativa

cuando la banca no es opción.

En nombre de mi equipo me gustaría darle la

bienvenida y las gracias por su voto de confianza.

Atentamente,

Lic. Gil Martin-Zapata

Presidente / C.E.O.

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Government Agency

Partnerships and Reference

Letters

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Office of Financial

Regulation Good Standing

Letter

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Note: KGFA Capital is no longer offering residential mortgages. The previous information is just to

show our clients that when we did offer residential mortgages from 2004 to 2009 that we did

not have any disciplinary actions and zero complaints with the Office of Financial Regulation,

the State of Florida. We don’t offer residential mortgage and we don’t offer consumer loans.

We offer small business financing, business merchant cash advances, and commercial

mortgages. Commercial transactions are regulated as commercial transactions by the Uniform

Commercial Code established by Congress.

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Lendinero is now a registered dba (doing business as) owned by KGFA Capital Ventures LLC.

Our offices are no longer on Brickell Avenue. We have executive offices in Doral and in New

York as service centers and we operate and own our own BPO Business Processing Outsourcing

and Insourcing Center.

Articles of Incorporation

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Press Releases

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Press Releases

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Lendinero joins the VC & Angel Investor Forum presenting Daymond John, CEO of FUBU & Shark Tank Host. (Miami, FL) March 22, 2013 - FundingPost has hosted 125+ sold-out venture events in 17 cities over the past 6 years. At our next Miami event, the panel of investors will focus on Early-Stage Venture Investing - how to meet investors, pitch them, and what it really takes to get them to write you a check. Lendinero joins the forum to assist entrepreneurs.

About Lendinero: Lendinero is a web based funding solution provider to small businesses. Lendinero provides loans from $20K to $300K on a revolving basis and credit decisions are based on cash flow. The company helps businesses that are non bankable and those who need capital for short-term purposes. They can deliver a credit decision within 2 days and can fund a business within 7 business days. Lendinero offers a low friction process and give business owners quick access to capital to manage immediate cash flow needs.

Media Contact: media@lendinero.com - 888-505-5835

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Lendinero Partners Up With Partners for Self Employment Inc., a United States Small Business Administration Micro Certified Lender in Dade County, the City of Miami

Lendinero will provide business workshops to PSE clients and the business community in South Florida

(Miami, FL) October 19, 2013 - Founder of Lendinero, Gil Zapata has been speaking to business owners and providing free workshops at Partners for Self-Employment Inc. for over 1 year. Today, the company has strengthened its relationship and partnership with Partners for Self-Employment Inc (PSE). Lendinero will be sending numerous Funding Advisors to provide on-going workshops at PSE Inc. to discuss the changes, challenges, and opportunities in obtaining alternative financing and small business loans. The workshops will enable PSE's clients and entrepreneurs obtain information on new programs and technology that have enabled small business owners obtain alternative capital. While Lendinero focuses on cash flow driven loans, they will discuss other options which they don't offer to include crowdfunding, sba interim loans, and structured financing. Currently, there are over 20 million small business owners in the United States and only about 10% can obtain a bank loan. South Florida Business owners continue to feel the pressure and challenges in accessing traditional means of capital to expand, sustain, and grow their businesses. Lendinero's partnership with Partners for Self Employment's objective is to educate South Florida Business Owners and small business owners around the nation on how to access new funding channels. These workshops will be available on-line to the small business owners all around the nation. The Lendinero team will inform business owners on how they can strategically position themselves to obtain alternative funding and become bankable in the future. Today, aside from Lendinero.com there are a number of on-line players to include: kabbage.com, kickstarter.com, lendingclub.com, and others who are niche lenders. Most of these lenders do not have stringent requirements like the banks. They have designed different underwriting models and some don't even base a credit decision on personal credit score to obtain small business loans. "We have partnered up with numerous funding channels in New York who have obtained venture capital from Google Capital Ventures, Morgan Stanley and the Venture Capital community. Over 1 Billion has been raised to allocate to small businesses in the form of small business loans. However, many small businesses do not even know that there are new business funding options available to them. Today, we have technology that can deliver a credit decision within 2 days and fund a business within 7 business days. In the alternative financing industry our peers are looking at different data points and things such as daily close out balances on bank statements, social media, and other factors to provide small business loans. Many business owners in South Florida are foreign to these options," states Gil Zapata, Managing Director & Founder of Lendinero.

About Partners for Self-Employment Inc.: Founded in 1993, Partners for Self Employment, Inc. became recognized as one of the country's first small- business micro-lenders that provides small business loans. For individuals and businesses that would otherwise be unable to qualify for a traditional loan, there was suddenly hope for a fresh start.The U.S. Treasury Department has certified PSE as a Community Financial Institution and is designated Micro Loan Intermediary for the Small Business Administration, as well as an Individual

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Development Account Program by the U.S. Office of Community Service. PSE is a 501C3 supported by organizations, community partners and donations. About Lendinero:

Lendinero is a web based funding solution provider to small businesses. Lendinero provides small business loans from $10K to $300K on a revolving basis and credit decisions are based on cash flow. The company helps businesses that are non bankable and those who need capital for short-term purposes. They can deliver a credit decision within 2 days and can fund a business within 7 business days. Lendinero offers a low friction process and give business owners quick access to capital to manage immediate cash flow needs.

Media Contact: media@lendinero.com - 888-505-5835

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New Business Financing Alternatives for Hispanic Owned

Firms

FROM PRESS – TRANSLATIONAs Seen on “El Diario de Las Americas”:

http://www.diariolasamericas.com/dinero/nuevas-alternativas-acceso-a-capital.html

(Miami, FL) January 17, 2013 -

While not perfect , America offers more opportunities for ethnic and minority groups than any other nation in the world. The number of companies considered as minorities - those in which 50% or more of its tasks are operated and controlled by one or more individual blacks , Asians or Hispanics - across the country is growing daily . The Census Bureau reports that the number of minority-owned firms increased by 44% between 2002 and 2007. And from 2007 to the present , the numbers keep growing . As these companies look for the "American Dream " are turning to new sources of funding. " The On Deck and Kabbage signatures are only a fraction of the total market that gives loans to alternative business. Great lenders have raised capital and independent sales organizations, known as ISO’s, are the next gold rush. The industry cannot grow without the flow of loan applications and most providers of these funds will depend on the ISO to make their sales goals each month," said Sean Murray, founder of Merchant Processing Resource and Dailyfunder.com, an internet forum. After seeing an opportunity to gain strength in this underserved market, companies like Lendinero associated itself with 15 nontraditional lenders and funds including On Deck Capital, Swift Financial, CAN Capital, Rapid Advance and others to obtain the best terms and interest rates for Hispanic businesses or minorities. The company emerged as a connector between minority firms and nontraditional lenders, which in the alternative funding space do not have the knowledge to break the cultural barriers. Lendinero, based in the heart of Miami’s Financial District, Brickell Avenue is changing consumer habits for Hispanic business owners obtain a loan via the internet . “These entrepreneurs are accustomed to traditional banking methods in their countries of origin. At first we had doubts if these companies would feel comfortable to apply for a loan and submit their bank accounts in our online portal, but when they saw that we can deliver a credit decision in two days and they avoid a trip to our offices they were very satisfied . Today we have Hispanic business applying for loan throughout the U.S. ,” stated Gilberto (Gil) Zapata, founder of Lendinero . Today besides Lendinero, there are a number of financing options online such as Prosper, Lendingclub, Kickstarter , and Pay Pal. These are additional sources of funding that are not being exploited by the new generation of entrepreneurs. Government agencies are also educating this segment of the market for new ways to raise capital for their businesses by providing workshops and one to one business advice.

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Cornell Crews, program director for Partners for Self -Employment Inc., a non for profit agency and a U.S. Small Business Administration certified micro lender said " minority businesses need help in obtaining alternative financing methods. Around two years ago, many small businesses did not know what that were on-line platforms such as Kickstarter, a rewards based crowd funding site. Today, thanks to the support of many financial experts, companies are learning new and innovative ways to access capital.” Accion USA, The Southern Florida Minority Supplier Development Council, an affiliate of the National Minority Supplier Development Council and the Minority Business Development Agency of the U.S. Department of Commerce , are helping minority owners in a similar manner . These agencies located in South Florida have formed indirect alliances and consult with Lendinero, knowing that they communicate with Hispanic business owners in their native language and understand their culture. Testimony Nestor Membreno, a native of Nicaragua learned about expensive commercial loans when he attended a business seminar at Partners for Self -Employment Inc. When Membreno needed business financing business for Jose Herbs & Produce Inc., his bank rejected his application for a business loan . He went turned to Lendinero and got approved for a business loan in two days and obtained funding within 7 working days. Two years later, Jose Herbs & Produce Inc. has accessed in excess of $100,000, while paying more than 20% in the annual rate. "Although these loans were expensive, I had the opportunity to establish business credit for the company and today I was finally able to get a loan at a traditional bank. Lendinero from Miami understood our needs and understood our international operations." finanzas@diariolasamericas.com *The content has been translated. All materials belong to "El Diario de Las Americas".

Media Contact: media@lendinero.com - 888-505-5835

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Expertos brindan claves en financiamiento

para empresas

Miércoles, Abril 25 2012 20:38 | Escrito por Redacción

El optimismo por un buen futuro va de la mano de emprendedores entusiastas que creen en su

producto o empresa y buscan informarse de las opciones existentes como los que se dieron cita en

el foro “Nuevos Programas de financiamiento: ¿Cómo las empresas están obteniendo

millones de dólares?”.

Un grupo de empresarios

interesados en cómo ha

cambiado el panorama de los

préstamos bancarios para las

pequeñas, medianas y grandes

empresas hicieron que el

evento, celebrado el 24 de abril

en el auditorio principal de la

Escuela de Negocios Adolfo

Ibáñez, fuera todo un éxito.

Los ponentes fueron Fabiana

Estrada, Directora de Acción

USA; Eduardo V. del Río,

Vicepresidente de FT Trade

Financial Corp.; Laura

Becerra, Vicepresidente de Small Business Banker de Bank of America y Gil Zapata,

Vicepresidente de Lendinero.

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Cada uno de los expositores

habló sobre los diferentes

programas de financiamiento

que ofrecen a las compañías, lo

cual despertó un gran interés

entre los asistentes, quienes se

volcaron a participar durante el

momento de las preguntas y

respuestas.

La primera participación fue

por parte de la Directora de

Acción USA, quien explicó los

programas con que cuentan

para ayudar a los empresarios

que no pueden obtener un

crédito de forma tradicional para su pequeña empresa.

Después siguió el turno para Del Río, quien expuso a los asistentes el servicio de factoraje o

factoring que ofrecen a las empresas.

La exposición de Becerra, de

Small Business Banker de

Bank of America, fue una de

las que más preguntas atrajo

debido al interés por cómo la

institución financiera ha vuelto

a abrirse a los programas de

financiamiento de las

empresas.

Una de las inquietudes más

insistentes por parte del

público fue la pregunta sobre la

apertura de la industria

bancaria a hacer nuevamente

préstamos a las empresas, así

como el porcentaje de las tasas de interés que están ofreciendo, a lo cual, el último exponente,

Zapata, les explicó a detalle, no sin antes explicar cómo las propuestas presentadas por los demás

ponentes tienen cabida en su compañía, LENDINERO.

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“Muchos preguntan sobre las tasas de interés pero ese es un pensamiento de consumidor”,

resaltó.

En su lugar explicó que el empresario debe analizar que la ganancia que se obtiene del producto

en el que se invierte el financiamiento, equilibra el porcentaje del interés.

“Con el sólo hecho de tener el producto a la venta, se obtiene el pago”, comentó el

Vicepresidente de la compañía que tiene el objetivo de proveer múltiples soluciones financieras a

los propietarios de la pequeña industria en el país.

Los asistentes al foro, organizado por el periódico Mercado de Dinero USA, también tuvieron la

oportunidad de convivir y degustar un pequeño refrigerio, al mismo tiempo que pudieron convivir

e intercambiar ideas y tarjetas de negocios.

El próximo foro tendrá lugar el próximo 22 de mayo del 2012 también en el Auditorio principal

de la Escuela de Negocios Adolfo Ibáñez ubicado en la Avenida Brickell a las 8:30 A.M.

El tema será “¿Cómo lograr la venta masiva de su producto?” en el que se expondrán casos de

éxitos y la opinión de expertos sobre las claves para vender una marca en supermercados e internet.

Para registrarse,

puede hacerlo al 305-375-0878 o por e-mail: admin@mercadodedinerousa.com“.

El cupo es limitado y gratuito.

Redacción Miami.

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Social Responsibility

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