Audrey Patton

HARD MONEY - WE GOT IT!!!

* $ 2Million to $ 25 Million or more!

* 1to 3 Year Terms

* Good exit strategies are critical

* QUICK CLOSINGS

* LOW OR NO DUE DILIGENCE FEES!

* No daisy chains accepted ________________________________________________________________________________________________________________________ This is the real money. Please keep in mind that there are more deals needing money than money to lend so only the better deals get funded. To find out if we can help you, just call us at 1-317-348-0732

* $ 10 Million to UNLIMITED!

* International as well

* Terms and structure will vary by deal

* Tier 1 & Tier 2 Developers Only

* All properties and projects considered, but the deal MUST be strong.

* No daisy chains accepted

* Must have access to the principals

Please keep in mind that there are more deals needing money than money to lend so only the better deals get funded. To find out if we can help you, just call us at: 1-317-348-0732. It costs nothing to see if we can help you! Call us today at:1-317-348-0732

Property Types: Sanctuaries, Schools, Expansion

Loan Proceeds: Acquisition, Refinance, Construction, Cash-Out

Trustee Guarantees: None

Size: $400,000 - $20 million

Fast Close: 45-60 days

Cash Flow Multiple: 3-4x Unrestricted Contributions

LTV: 66% - 80%

Term: 25-40 Years; Open-Ended for additional borrowings

Interest: Fixed Rate @ 190-220 over

Treasuries Prepayment: No Penalty

Construction Bonds: None required for qualifying projects

Our underwriters are professionally trained to keep the interest of the church a priority. They are experienced in working with churches of all sizes. Thus, they can fund loans for any denominations anywhere in the country! So please call one of our underwriters today at 1-317-348-0732 * due to the changing markets rates are subject to change without notice.

What is factoring?

Factoring is the purchase of your accounts receivable (invoices) in order to provide you with the cash flow you need. Factoring is a widely accepted financing option used by companies of all size.

How long before I can receive funding?

Typically within 24 hours of receiving your company's information, we'll issue you a proposal. Upon acceptance, we conclude our due diligence and complete documentation. Funding can happen as early as within a few days of initial contact with your company. Ongoing, it is common to fund within 24 hours of your invoice submission to fairydust lending

Do I need to sell or factor all of my invoices? No. Depending on the amount of additional cash flow you require, you decide which invoices we factor from your company. Our service allows you flexibility while providing your company with the cash flow it needs to thrive.

How will I know the status of my factored invoices? We have an on-line service that allows you access to your account and reports any time you wish. Additionally, you will be assigned a Client Service Representative, who will be your contact for any questions you may have throughout your relationship with us.

Is factoring a recent financing option? Factoring has been around for centuries. It's one of the oldest types of financing, first seen in the United States in the garment and textile industries. Today however, factoring is a funding solution for companies in all industries.

How does factoring differ from bank financing? Factoring is faster and less complicated than bank financing. Factoring companies make decisions based primarily on the credit worthiness of your customers, while a bank's credit decisions rely mainly on your company's financial history, cash flow, and collateral. We fund quickly, often within days of receiving an application, when banks generally take weeks or months. In addition, when you factor your accounts receivable, your company incurs no debt, as there is no interest to pay or principal to repay. Factoring can also help companies that banks traditionally shy away from, such as start-ups, companies with tax liens, or even companies in bankruptcy.

Why would a business sell its accounts receivable? Businesses with cash flow problems cannot wait 30 to 60 days or more for payment on their invoices. They need immediate cash to meet the financial obligations of their companies. Factoring provides this cash to businesses through the purchase of accounts receivable.

Which companies benefit the most from factoring their invoices? Factoring is a good fit for many companies for a variety of reasons. Start-ups and high-growth businesses need cash from factoring to help fuel their growth. Companies who have suppliers to pay or service-based companies with high payroll and payroll taxes use factoring to assure they can meet their financial obligations.

Who makes a good factoring client? Companies who sell a product or service to commercial or government entities and need cash fast to make payroll, payroll taxes, pay suppliers, or fulfill other financial obligations make excellent factoring clients.

How will our customer be treated by fairydust lending? We respect the relationships you have developed with your customers. We understand they are the backbone of your business and treat them with the highest level of courtesy and professionalism.

What is the major benefit of factoring? You receive cash immediately from your invoices instead of waiting 30, 60 days or more for your customers to pay. It is as if you have COD terms with your customers. You receive our collection and credit expertise, while enjoying increased cash flow. You can then concentrate on running and growing your core business.

What does factoring cost? Rates are based on the amount your company factors and how long it takes your customers to pay. We are happy to provide you with a QUICK QUOTE if you give us a bit of information regarding your business.

Is factoring a type of loan? No. Factoring is not a loan. It is the purchase of an asset, your accounts receivable. While approval of a bank loan considers all of your company’s assets as well as your financial history and balance sheet, a factor relies mainly on the credit worthiness of your customers. Factoring is often the ideal solution for businesses with poor financial histories, little or no track records, or weak balance sheets.

What type of invoices can my business factor? You can factor almost any valid invoice for a service or product that’s been delivered to and accepted by your creditworthy commercial customer.

How much cash will I receive from factoring? We can advance you up to 90% of your receivables immediately. The balance (less our fees) is released to you upon payment of your invoices.

Does it matter if my company has a bankruptcy, bad credit, poor financials, or other derogatory information? As we base our financing decisions mainly on the credit worthiness of your customer base, generally the financial strength of your company is not going to prevent you from obtaining our factoring services.

What can I do with the additional cash flow I obtain from factoring my accounts receivable? Our clients use the cash to meet payroll, payroll taxes, pay suppliers, and take advantage of supplier discounts, purchase inventory or equipment, and take on more orders.

Will my customers think that my business is experiencing financial difficulty when they learn that I'm using a factor? Absolutely not. Factoring is a long established and mainstream financing option for businesses. It is likely that some of your customers do business with vendors using a factoring service.

What does factoring with fairydust lending mean to my customers? Basically, factoring will require a change to the address where payments are mailed. In addition, we handle collections for you, allowing your time to be used on your core business. Otherwise, your working relationship with your customers will remain the same.

I have customers all over the United States. Are there any restrictions? No. We can work with any business or government agency in the U.S. What matters is that your customers are creditworthy.

What types of businesses do you factor? We finance companies from a broad range of industries including, but not limited to, distributors, telecommunications companies, temporary personnel agencies, nursing registries, manufacturers, wholesalers, consulting companies and security guard services. Companies from the above-mentioned industries with creditworthy customers will benefit greatly from our factoring services.

What size businesses does fairydust lending finance? Our clients are companies who invoice a minimum of $10,000 each month. We help small start-ups as well as mid-sized businesses with needs up to several million dollars.

Who will be responsible for collections from my account debtors? fairydust lenidng teamed up with Working Capital Company and they have over 20 years of experience and handles collections with expertise and finesse. Our collection service allows you the freedom to concentrate on growing your company. Throughout the process, we stay in contact with you and ask for your involvement when necessary.

Factoring is financing for companies that have too much cash tied up in their commercial accounts receivable. By factoring, your company can immediately receive cash for accounts receivable instead of waiting 30 to 60 days or more, for your customers to pay.

Instead of having your receivables tied up in the billing cycle, factoring allows your company to use that capital to grow, buy inventory, make payroll, take advantage of trade discounts…or anything else that demands your financial resources. Factoring is a simple and fast solution to a company’s cash flow needs.

When factoring your accounts receivable, your company incurs no debt. It merely exchanges one asset (accounts receivable) for another asset (cash). With factoring, there is no interest to pay or principal to repay.

While the history of factoring can be traced back over 4,000 years, factoring became common in the United States at the beginning of the twentieth century in the garment and textile industries. As industry in the United States has progressed, first with the industrial revolution and more recently with the growth of service-based industries, factoring has evolved to keep in step.

Over the last 30 years, factoring has found its way into virtually every industry, largely because of the ease and flexibility which factoring has to offer. Today factoring is a worldwide, multi-billion dollar business.

Our factoring program offers many benefits to companies in a variety of industries. We offer high advances (up to 90% of the invoices that you are factoring), low rates, on-line reporting, credit and collection services to name a few. We have been factoring invoices nationwide for over 20 years and pride ourselves on the quality of relationships we develop with the companies who use our factoring services.

Please contact us to discuss whether factoring is right for your company. We have no application fees and are happy to answer your questions and give you a preliminary quote. Fairydust Lending has teamed up with working capital they have helped hundreds of companies over the last twenty years with their cash flow by factoring their accounts receivable. We look forward to helping you and your company as well.