Key Objectives for Closers

• Identify business owner pain points and obstacles
• Sell the long-term benefits of alternative financing
• Focus on opportunity cost and business growth potential
• Help clients gather proper documentation

Our Competitive Advantages

• Same-day funding up to $2 million
• Minimal documentation requirements:
• Three months business bank statements
• Voided check
• Driver's license
• No personal guarantees or collateral required (except for SBA loans)
• UCC lien provides security without requiring traditional collateral like banks require 10% now a days
• Customizable terms and flexible deal structures

Lending Categories

Key Selling Points

• Revenue-based financing with no minimum credit score requirement
• We focus on business revenue instead of personal credit scores
• No hard credit pull required
• Fast approval process compared to 60-90 days with traditional banks
• Tax-deductible interest payments
• Opportunity to qualify for better financing products by maintaining good payment history & bridge over to existing loan

Success Story Example

<aside> Buffalo, NY Liquor Store:

• Funded $150,000 over 18 months
• 3.125% rate
• Referred by Wells Fargo because they couldn’t lend to him even doing over $200k/mo
• Paid off initial $30,000 in three weeks
• Accessed larger capital pool through relationship building so we bridged over the line of credit for $35,000 over his requested amount

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Handling Objections

• If cost is an issue:
• Compare to credit card rates (27-32%)
• Emphasize tax deductibility
• Focus on opportunity cost and growth potential
• If client hesitates:
• Offer to connect with CEO/president of sales
• Highlight our selective approval standards not everyone we are willing to lend to
• Emphasize the time-sensitive nature of funding opportunities & we could allocate elsewhere if they’re not ready

Closing Strategies

• Strive to close deals during the initial conversation
• Focus on building long-term relationships
• Highlight flexibility in deal structuring for seasonal businesses
• Stress how delaying a decision can cost them business opportunities

Based on the context and sales training guide, here are key business opportunities that could be lost by delaying:

• Same-day funding opportunities of up to $2 million
• Immediate growth potential while competitors wait 60-90 days for traditional bank approvals
• Chance to quickly qualify for better financing products through good payment history
• Risk of funds being allocated to other businesses, as mentioned in the training guide

<aside> Remember: The goal is to sell the opportunity, not just the money. Focus on how alternative financing can help businesses grow and overcome challenges that traditional banks cannot address.

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Detailed Selling Points for Sales Reps

• Revenue-Based Financing:
• Explain how we look at daily/monthly revenue patterns
• Emphasize that bad credit isn't a deal-breaker if revenue is strong
• Highlight how this helps businesses that may be declined by traditional banks
• Fast Funding Process:
• Walk through same-day funding timeline:
• Compare to traditional bank's lengthy approval process
• Emphasize how quick access to capital can help seize immediate opportunities
• Fill out 5-minute application
• Submit bank statements, voided check, and ID
• Receive funding offer within 2-4 hours
• Flexible Payment Structure:
• Explain how payments align with business cash flow:
• Detail seasonal adjustment options
• Discuss bridge loan possibilities for existing debt
• Payment schedules can be daily, weekly, biweekly, or monthly
• Structure depends on product type and deal requirements
• Future deals may have different payment schedules than initial funding
• Building Credit History:
• Explain how good payment history leads to better rates - with consistent payments, we can bridge to a line of credit or term loan to consolidate existing debt, potentially saving thousands. This can reduce interest rates to as low as 3% and shift payments to biweekly or monthly schedules
• Detail the path to qualifying for larger funding amounts
• Highlight success stories of clients who started small and grew
• Tax Benefits:
• Break down the tax deduction calculation for interest payments
• Compare after-tax cost to other financing options
• Explain how this reduces the effective cost of capital
• Documentation Simplicity:
• Walk through the minimal paperwork requirements
• Compare to extensive bank documentation needs
• Emphasize how this saves time and reduces hassle

<aside> Pro Tip: Always keep a few relevant success stories ready to share. Real examples of businesses similar to your prospect's that have succeeded with our funding are powerful closing tools.

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Commission Structure & Earning Potential

• Base Commission Rate:
• Starting rate of 2% per deal
• Example: $30,000 deal = $600 commission
• Potential monthly earnings of $12,000+ (based on five $30,000 deals per week)
• Growth Opportunities:
• Commission increases by 0.5% every 10 deals
• Partnership opportunities available with higher percentage structures
• Daily Workflow:
• 5-10 deals assigned per day
• Average call duration: 30 minutes or less
• Follow-up calls typically focus on decision-making, not additional selling

<aside> Fast Track Example: Closing five $30,000 deals weekly = $3,400 weekly commission potential, translating to $14,000+ monthly earnings

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1. Provide comprehensive information about financial products:

• Research and understand each product's features, terms, and requirements
• Compare different lending options to match client needs
• Present clear explanations of rates, terms, and conditions
• Address client questions and concerns promptly