Benefits over other financing options

We offer our customers benefits that are not available with other financing options.

BANK OVERDRAFTS DON'T FINANCE REVENUE GROWTH - THEY LOOK BACKWARDS NOT FORWARDS

1. Overdraft limits are typically set based on your fixed assets including personal real estate

2. For many firms the biggest balance sheet assets are the amounts due from their customers (invoices) - these are not fixed assets, so you can’t raise an overdraft against them

3. Increasing your overdraft is often mind-blowingly difficult requiring lengthy negotiations with your bank with accountant's reports

4. With a tight credit environment banks have been reducing overdraft facilities to businesses, especially small-medium sized businesses

5. Overdrafts often come with high and unexpected fees, which you only discover when you need the overdraft most

TRADITIONAL FACTORING AND INVOICE FINANCE LOCK BUSINESSES INTO A CAPTIVE RELATIONSHIP

1. Provide whole turnover invoice discounting arrangements, not single invoice finance

2. Lack of confidentiality where factors take control of all of your customer collections

2. Ongoing monthly services fees and high arrangement fees

3. Contractual lock-ins with long notice periods

4. Onerous security arrangements (mortgages, security agreements and Director personal guarantees)

5. Reducing credit lines with no notice at the whim of the funding provider

6. Often lacking in innovation - inflexible to your needs

IX BRIDGES THE GAP

1. Sell invoices as often or as little as you want, only paying transparent transaction fees on each invoice sold

2. Sell invoices to sophisticated investment professionals via IX: they buy your invoices and advance funding to you quickly

3. Obtain best pricing per invoice, rather than unilaterally across all your debtor book

4. Access funds almost no matter what your industry is

5. Avoid company debentures and personal guarantees - raise cash, not debt