The Interface Financial Group

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The Interface Financial Group
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The Interface Financial Group
We Provide Working Capital To Business
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Who Is The Interface Financial Group

• The Interface Financial Group (IFG) has been in
  business for over 32 years
• IFG currently has 146 independently-owned offices
  throughout the United States and Canada
• In 2004 IFG entered the international market with
  operations in New Zealand and is expecting more
  international growth
• IFG now has NZ offices in Auckland, Christchurch,
  Wellington, New Plymouth, Hamilton, Tauranga
  Queenstown and has recently added more.
• Operations are being established in Sydney

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What We Do

• IFG provides short term working capital (cash
  flow) for growing small businesses in the B2B
  market
• Target market small under capitalised growing
  companies whose funding needs are outside their
  banks criteria
• IFG purchases invoices at a discount on an
  as-required basis Invoice Discounting
• Our clients get the cash up-front, IFG takes over
  the remaining term of the receivable
• IFG clients come through referral sources, such
  as financial advisors, banks, brokers, factors,
  and direct sources

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What IFG Does Not Do

• IFG is not a collection agency
• IFG is not a lender of money
• IFG does not buy bad debts
• IFG does not factor or manage receivables

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The Interface Process

• IFG purchases selected invoices to the level of
  working capital required by the client
• Clients get 90 cash up-front and IFG takes over
  the waiting period on receivables, usually 45
  days or less
• The clients customer pays Interface direct on the
  due date
• Cost to client from 4 of the value of the
  invoices actually funded. No establishment cost.

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IFG Requirements

• Initial IFG Application
• Terms and Conditions outlining how transactions
  will be handled
• Personal Guarantees
• Receipt and Acknowledgement of signed Customer
  confirmation of invoice/s prior to funding
• Time first funding 2-3 days. Repeat
  transactions normally same day

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Benefits of IFG Invoice Discounting to Client

• There are no add-on fees or establishment
  charges, monthly volume requirements or term
  requirements
• Client is in control of process - they can use
  the service as they need it to meet specific cash
  flow needs
• Client is in control of the cost by offering
  invoices that will be paid sooner rather than
  later, thus reducing their cost
• Client receives 90 of invoice value once funding
  is approved

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Benefits of IFG Invoice Discounting to Bank

• Customer retention. Proven in other locations!
• Bank refers client. IFG is able to undertake
  funding as approach is not based on a lending
  formula rather an invoice buy/sell transaction
• Successful referral to IFG will lock Customer
  into the Bank
• Working with IFG will assist Customers financial
  strength
• In time Bank will be able to take over funding
  from IFG based on its normal lending formula
• IFG continues referral relationship with bank to
  assist other bank customers

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Client Profile

• Start-up companies, to companies in business many
  years
• Cash requirements from 3,000 upwards on a
  one-time or monthly basis
• Requiring IFG services from 1-15 months (average
  is 9 months)
• All industry sectors acceptable

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Types of Clients

• Construction sub-contractors
• Out sourcing and employment firms
• Manufacturers
• Logging Forestry
• Trucking and Transportation
• Business consultants
• Advertising agencies
• Publishers
• and many more

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Bank and IFG Partnership

• IFG believes there is a synergy with the Bank
• Both companies are servicing the same small
  business market
• There is good potential to succeed together
• Customer never leaves the banking relationship

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Partnership

• Develop a strong working relationship
• Helping customers grow
• Communicate regularly in order to improve the
  opportunities
• Everyone wins!

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Contact Information

• The Interface Financial Group
• Keith Tullett
• Director
• 043 9465 057
• ktullett_at_interfacefinancial.com