Curtis Funding Group provides equipment financing and leasing. They have funded equipment in 46 states and Canada since 2012. They strive to eliminate surprises through transparent commitments. Equipment financing allows companies to acquire equipment through monthly payments instead of large upfront costs, preserving working capital. Curtis Funding can finance a wide range of equipment and offers quick application processes.

1. EQUIPMENT
FINANCING
…AND MORE

2. EQUIPMENT FINANCING & LEASING
Curtis Funding Group provides equipment leasing & financing with
a "no surprises" commitment.
• Founded in 2012, with a small team of experts handling a
wide range of equipment leasing & financing needs.
• We have funded equipment in 46 states and Canada, and
have had a contract with Bridgestone/Americas since 2014 to
support their 2,200 dealer-network.
• Surprises, in our business, are almost never good -- we
strive to eliminate them.

3. EQUIPMENT FINANCING & LEASING
▪ 8 out of 10 companies finance equipment
▪ Equipment is more easily cost-justified with a
monthly/quarterly payment rather than paying a
lump-sum total price
▪ Equipment Financing is a convenient method of
preserving credit lines and can help preserve
working capital
▪ The use of Equipment Financing can provide
an immediate revenue, since almost no up-front
costs are incurred.
Equipment Financing as a Business Tool

4. EQUIPMENT FINANCING & LEASING
When acquiring equipment with a
large price tag, which would be
easier to manage?
Cost justification – monthly payment
$100,000 Cash Up Front
OR $1,946 Monthly*
*Based on $100,000 x .01946, 60-
month finance rate factor

5. EQUIPMENT FINANCING & LEASING
Financing via a monthly payment prevents ”sticker ”
$100,000 Cash Up Front vs. $1,946 Monthly*
Get the state-of-the-art equipment needed…
“We can cut the price if we
take away some features.”
“We need those features;
let’s finance!”

6. EQUIPMENT FINANCING & LEASING
A longer term can provide more equipment for the payment
Or, if it takes more than the budget allows…
$3,086 $3,086
▪ A longer term may allow for better equipment, more
features, and more immediate returns
▪ With term flexibility, budgets can be met, and cost-
justification can be realized
36 mos
$100,000
48 mos
$129,121
60 mos
$158,581
$3,086
Based on $100,000 x .03086
sample finance rate factor
Based on $100,000 x .02390
sample finance rate factor
Based on $100,000 x .01946
sample finance rate factor

7. EQUIPMENT FINANCING & LEASING
We can finance machine tools, medical equipment, IT, titled vehicles,
robotics, agricultural equipment, and much more
But did you know we can also fund equipment for…
• Municipal needs
• Not-for-profits
• Software
• Lighting
• Auto-service/shop equipment
• Upgrades to current equipment
• …. And almost any other equipment you
may consider (ask us)
What equipment can be financed…

8. EQUIPMENT FINANCING
& LEASING
• Fill out and sign one-page application
• Include three recent months of business
checking account statements
• Provide equipment description, costs,
and vendor info
• …. We’ll package it, gain an approval,
and quote terms, all without obligation
Applications can be emailed, or found at
www.curtisfunding.com
How easy is it?

9. “…we couldn't have done it without you.
The new shop turned out great and we
have got some great equipment thanks
to Curtis Funding.”
Tim Carroll – Co-owner

10. EQUIPMENT FINANCING & LEASING
▪ COVID has tightened the market; new-business and
weaker-credit transactions are doable, but may take
some extra effort.
▪ Curtis Funding has multiple underwriting sources.
▪ Look for terms with no residuals, no automatic
extensions, no all-assets liens, and no surprises.
▪ Putting together complete, accurate credit packages
helps gain approvals.
▪ Communication is key; we work closely with many
vendors, and may, upon request, recommend some to
our end-user customers.
Cautions in 2021…

11. EQUIPMENT FINANCING & LEASING
▪ Budget monthly cost to get a true cost-
justification and then use the term to best
fit budgetary needs
▪ Avoid sticker shock and scrimping on
features due to large out-of-pocket
requirements
▪ Maintain your cash reserves
▪ Receive fast credit approval and maintain
control with your financing partner, Curtis
Funding Group
▪ Use simple, English, readable finance
documentation
Let’s Recap…

12. AND… DO NOT FORGET
▪ Getting a Section/179 deduction for your equipment on your income tax
(full write-off in year-one)
▪ Offering advice/counsel on any funding need, even when not using CFG
▪ $100 to a worthy charity for any equipment financing
transaction completed in 2021
▪ Making progress payments to equipment
suppliers, as required, but holding final
funds until you OK their release
▪ Direct communication through phone, in
person, email; you don’t need to sign on to a
portal and wait for answers
Curtis Funding Group will help with…

13. Curtis Funding Group announces a new
funding partner…
w / other funding options
▪ Provide unsecured business loans and lines of credit
▪ Loan products are tailored specifically for
the industry and every client’s individual needs
▪ An alternative when equipment financing is not
an option or when bank lines are maxed out
▪ Click graphic, or link below to fill out short, no-
obligation application
https://arffinancial.force.com/portal/ARFRegistration?RPId=0034y00002B6AJnAAN

14. Funding alternatives
Underwriting process designed to consider unique merchant
and industry situations offering solutions to specific industries
to address needs such as:
✓expansion
✓remodels
✓inventory
✓advertising / marketing
✓tax payments or lien retirement
✓seasonality
✓working capital shortfalls

15. Our Lending Partner
Loan Program Advantages
▪ From $5,000 to $75,000 without collateral
▪ Fixed terms 12 - 18 months
▪ Fast approvals -- funding within a week
▪ Streamlined paperwork – docs electronically
signed
▪ Payments collected via ACH
▪ Paid-interest is tax deductible
▪ Early pay-off options are available

16. Products offered…
WORKING CAPITAL LOANS
When cash is tight from a dip in sales or a seasonal period,
a Working Capital Loan can provide the surge of capital
needed
UNSECURED LINES OF CREDIT
When opportunity knocks, business conditions change or
unexpected issues arise, a Line of Credit can provide 24-
hour access to 5 separate loan drafts over a 6-month period.
FLEX PAY LOANS
A Flex Pay Loan allows you to defer up to 50% of loan
principal repayment into the future, resulting in dramatically
lower payments.
INTEREST-ONLY FLEX PAY LOANS
Borrow now with low, interest-only payments for up to 5
months! Then, pay off the principal, or convert to a 60-week
rollover amortization.

17. Lending conditions
To Prequalify – Minimum
Requirements
1) Minimum of twelve (12) months in business
2) Annual sales of $200,000+
3) Guarantor w/ Equifax Credit Score of 551+
4) No more than 2 outstanding cash advances
5) No review of tax returns and financials

18. How much do you need?
How much can you
qualify for?
▪ Loan maximums vary from 6% to 22%
of total annual sales (cash and credit
card sales – actual or projected), based
on time in business, and credit
worthiness.
▪ Example: If average annual sales
volume is $600,000, the potential loan
amount is $36,000 to $75,000.

19. To start the process…
Gather the following information to get
a preliminary (no-obligation) offer:
• Time in business
(same ownership, concept and location)
• Personal credit score of the guarantor
- Excellent = 700 +
- Good = 651 – 699
- Fair = 601 – 650
- Poor = 551 -- 600
- Unqualified = < 551
• Average monthly sales (cash & credit card)
• Home ownership – Y / N – & current on mortgage

20. EQUIPMENT
FINANCING
…AND MORE
We value our relationship with
all of our customers and with
all of our equipment suppliers
and we show it…
* * We communicate with our customers
* We answer questions
* We strive to offer great service now
* and earn future business
* Call us and we’ll provide the best service available
* and honest advice on any funding issue

21. Call us and we’ll get to work..
CONTACT:
Curtis Funding Group, LLC
Phone: (248) 238-7214
Curt MacRae or Phil Tarchala
Ext. 11 Ext. 14
Email: cmac@curtisfunding.com
philt@curtisfunding.com
Web: www.curtisfunding.com
EQUIPMENT
FINANCING
…AND MORE

22. Thank you…
And a short video for our friends…
248/238-7214
Click (CTRL) graphic, to play video
online: