Latino-owned businesses struggle more than any other ethnic group is accessing capital. Camino Financial is an online lender built to serve to underserved small businesses. This presentation shows how Camino Financial is uniquely qualified to solve this problem impeding Latinos and other minority entrepreneurs from accessing capital to grow their business.

1. Paving the Camino to Help
Small Businesses Grow
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Challenges Facing Latino Entrepreneurs
Latinos struggle more than other ethnic groups in accessing business loans from banks
Only 12% of Latino-owned businesses (LOBs) access bank loans, compared to 18.4% for white-, 15.3% for Asian-,
and 14.2% for black-owned firms
Why aren’t LOBs getting bank loans?
● Two out of every three scaled firms(1)
do not have a business or financial plan, current balance sheet, or other
materials needed to access external funding.
● Latino business owners are uneasy about putting up their personal collateral to secure the loan
● Latina-owned businesses, representing nearly half of LOBs, perceive themselves as “not qualified” to receive
funding from financial institutions compared to men, even when holding firm size constant
● Undocumented status is keeping 912,472(2)
in the shadows, equivalent to ~28% of LOBs reported in the 2012
Survey of Small Business Owners
Source: “State of Entrepreneurship”, 2017, Standard Graduate School of Business in collaboration with the Latino Business Action Network.
1. Scales firms are defined as firms generating at least $1 million in annual revenue.
2. Estimate of undocumented entrepreneurs in the U.S. in 2014 by New American Economy.

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A Dormant Emerging Market in the U.S.
Addressing challenges facing LOBs can inject $1.38 trillion to the U.S. GDP
A lot of opportunity to grow the existing base
Average sales per LOB in 2012 was $155,806, 27% the size of Non-LOBs
Fastest growing segment in the business community & outpacing the growth of the Latino population
The numbers of LOBs (employers & non-employers) grew 46% from 2007-2012, compared to -6% for white-,
24% for Asian-, and 34% for black-owned firms
Source: “State of Entrepreneurship”, 2017, Standard Graduate School of Business in collaboration with the Latino Business Action Network.

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Our Solution: Mobile Lending Designed for Underbanked
Disclaimer: Although Camino Financial concentrates its marketing strategy on LOBs, the Company abides discrimination laws when evaluating and providing financial
and business solutions to small businesses. Specifically, Camino Financial’s credit policy is in compliance with the Equal Credit Opportunity Act.

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Our Solution: Using Technology to Remove Friction

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Our Solution: A Camino in Which No Business Gets Left Behind
We’ve built a Camino for operating businesses(1)
to access technical assistance & capital at
different growth stages
The Borrower’s “Camino” to Bankability
1. Our No Business Left Behind policy applies to operating business defined as businesses earning more than $30,000 in sales and operating over 9 months. Sole
proprietors and ITIN holders can qualify for any of our financing solutions.
1. Credit & Cash Flow Evaluation
● Recommendations to
improve personal credit
● Deep dive analysis of last
6-months of cash flows
● Action plan to qualify for a
loan
2. Microloan
● Working capital loan
starting at $5,000
● Requires only electronic
bank verification & online
app
● Designed to be the first
business loan for “cash
heavy” companies
● No credit history required
● No collateral required
3. Small Business Loan
● Up to $400,000 working
capital loan
● Low docs
● Design to inject growth
capital into established
businesses
● No collateral required

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Our Solution: Alternative Capital at Reasonable Terms
Microloan Small Business Loan
Loan Amounts $5K – $50K $10K – $400K
Tenor 24 Months 24 – 60 Months
Annual Interest Rate 19% - 25% 12% - 19.5%
Admin Fee 6.99% 5.00%
Average Loan Amount $20K $100K
Underwriting & Closing Time 2 – 5 Business Days
Top Up Period 9 Months
Electronic Bank Verification YES YES + Physical Bank Statements
Tax Returns Not Required Required
Geographic Coverage California, Texas, Florida, Nevada & Arizona ONLY
Note: At closing, we require 2 forms of personal ID, legal proof of business and a voided check.

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Community Partnership is a Cornerstone of our Success

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Start Working with Us
Your Contact
Yvette Salas, Relationship Manager
Phone: (213) 634-3019
Email: ysalas@caminofinancial.com
What to Send:
● Name
● Phone

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Questions?
Together Moving Forward | Juntos Adelante
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