i4 Capital

WHAT WE DO

i4 is technology driven finance. Our technology accelerates payments due to our customers by seamlessly combining data gathering, payments processing, and capital. Once signed up, our customers are able to digitally access capital tied up in their business with a simple touch of a button.

EARLY PAY FOR TRADE ASSETS

Seller Benefits

Increase Sales by accepting longer Buyer payment terms or increased Buyer credit limits
Improve Cash Position by accessing early payments on balance sheet assets
Access Cash When Needed accessing early payment lies solely with the Seller
Reduce Risk Exposure Buyer Payment Risk is taken by i4
Improve Financial Metrics DSO is decreased , Cash Conversion Cycle is improved, and margins can be improved

i4 Advantage

Single Point of Contact – background checks, payments, trade asset data, and contracts are all electronic on the i4platform
Speed – Sellers apply & approved for early payment electronically; upon set up of payment accounts immediate access to early payments
Availability – robust funding to accommodate highest advance amount on accepted account receivables – the objective to is to provide financing
Flexibility – i4 early payments are an alternative source of accessing capital that does not affect the Sellers credit and can work alongside existing bank loans

HOW i4 WORKS

i4 is focused on the oil field services industry to provide financing to smaller suppliers who are financially stressed by longer payment terms with larger customers.

i4 is the technology and financial infrastructure that gathers, analyzes, prices, funds, and reconciles account receivables to provide low friction early payments. Our platform integrates data from Oil Field Services SaaS partners and directs payments through a Payment Gateway partner to provide a user-friendly portal for a smooth customer experience.

THE PROCESS

Seller application is done electronically via the i4 portal and includes the following:

Agreement and waiver to access information from certain Oil Field Services SaaS partners where much of the application information may be auto filled.
KYC / AML (may require further information from applicant).
Setup of a new Seller payment and collection demand deposit account tied to a debit card (this is done digitally through our Payment Gateway partner and all cash will flow into this account).
Request for redirection of Buyer payments to the new Seller demand deposit account.
Seller lien searches.
Execution of Receivable Transfer Agreement that contracts the terms of early payment (and any required UCC filings for the legal transfer of the account receivable).

i4 accesses and analyzes historical account receivable performance pulling data from Oil Field Services SaaS partners as required.
Seller request for early payments, funding, and administration is automated and handled by i4’stechnology infrastructure.
Early payment offers are made on existing account receivables and offers to purchase new account receivables may be made as quickly as invoice generation – the Seller will decide whether to accept early funding.
Any disputed invoices or payment shortfalls can be deducted from future payments, thereby not stressing the Seller nor the Buyer’s business relationships.

i4 EMBEDDED FINANCE COMPONENTS

Embedded Finance is the API-rich layer of financial infrastructure that is embedded into the technology enterprises to provide financial services capabilities; it is the ‘Fin’ in ‘Fintech’. Well developed in the B2C market, Embedded Finance is now emerging in the B2B sector

DISCLAIMER

This presentation is for discussion only. It is not a commitment by I4 Capital LLC to arrange or provide financing on these or any other terms. Terms and conditions described herein are subject to modifications.

Without the prior written consent of I4 Capital LLC none of the information or documents (or forms of documents) contained herein may be (a) used for any other purpose than your evaluation of the transaction described herein, or (b) furnished by you to any other person other than (i) such of your employees, officers and directors and legal, accounting and other advisers (collectively, "representatives") who have a need to know such information (or a need to review any such documents or forms of documents in connection with your evaluation of the subject transaction), are informed by you of the confidential nature of the information and are subject to appropriate confidentiality restrictions, (ii) as may be required by applicable law or regulations or by an order of a court or governmental agency of competent jurisdiction, provided that you give us prior notice of such requirement and order.