This document provides an overview and agenda for a webinar on strategies for maximizing profit through Amazon advertising and operations. The webinar covers various topics related to business financing, including the different financing options available, factors considered for loan qualification, and understanding key terms. It discusses options like SBA loans, equipment financing, lines of credit, and more. The webinar aims to help businesses navigate the financing landscape and make informed decisions by addressing questions around qualifying for and understanding rates and terms of various financial products.

1. Q4 Amazon Advertising and Operations Summit: Strategies to Reach
Maximum Profit

2. ●
●
●
Persephanie Arellano
Webinar Coordinator

3. Alex Sklar

4. Poll Question
●
●
●
●

5. Poll Question
○
○

6. Agenda
Financing Landscape1.
What are my options?2.
Am I qualified?3.
Understanding Rates and Terms4.

7. Financing Landscape

8. “You should use a
H.E.L.O.C. to finance
your business”
Financing Landscape - Continued
The information you hear can sometimes be overwhelming:
“SBA Loans have the
best rates”
“You better have a
good FICO score”
“Just put everything
on credit cards”
“Just go to your
bank”
“Just ask the dealer
for financing”

9. Other questions that may affect your decision:
What Are My Options? - Continued
● Am I willing to put up collateral?
● Do I want to specify how I’m going to use the money?
● Do I want to create a business plan?
● Is the money for growth?
● Is the money for an emergency?
● Is the money to smooth cash flow?

10. InventoryBuilding / Property
What Are My Options? - Continued
Additional Questions: Am I purchasing something?
Equipment
● Equipment Financing
● Equipment Leasing
● Traditional Bank Loan
● Fintech / Online Loans
● Unsecured Term Loan
● Unsecured LOC
● Merchant Cash Advance
● App only Equipment Leasing
● Unsecured Consumer Loan
● SBA Loans
● USDA Loans
● Traditional Bank Loans
● Hard Money (if investment
property)
● Project Financing (if investment
property)
● Purchase Order Financing
● Inventory Financing
● Traditional Bank Loans
● Traditional Bank LOC
● Fintech / Online Loans
● Merchant Cash Advance
● Unsecured LOC
● Secured LOC

11. Am I Qualified?
● FICO
● D&B
● Paynet
● Business Credit Report
● DTI
● LTV
● PFS
● Business Plan
What are some metrics the financial institutions use?
● Industry
● Location
● Time-in-Business (T.I.B.)
● Annual Revenue
● Collateral
● Bank Statement Review
● Financial Statement Review

12. Am I Qualified? - Continued
A look into some of the options
SBA 7a USDA Unsecured Term
Loan
Unsecured LOC Cash Advance Equipment
Leasing
Invoice
Factoring
Unsecured Consumer
Loan
$5M $25M $2M $500K $2M $10M $50M $50K
30-90 30-90 1-10 1-10 1-5 3-10 5-10 1-5
YES YES NO NO NO YES YES NO
650 650 600 550 500 600 600 580
PRIME+ PRIME+ 8% 8% 18% 5% 5% 4.99%
10-25 YRS 7-30 YRS 3-24 MOS. 1-24 MOS. 3-18 MOS. 3-7 YRS N/A 1-6 YRS
MAX AMOUNT
TIME (DAYS)
COLLATERAL
MIN. FICO
LOWEST RATES
TERMS
All information above is merely an estimate or range of what is typically available. Each lender may vary in their exact amounts,
rates, and terms. Nothing above should be taken as an offer to engage in financing, advisory, consulting, or brokering services.

13. Understanding Rates & Terms
Maybe one of the most important parts of financing.
● What does financing cost mean? How do I calculate?
● What is interest?
● What is APR? Why is that different than interest?
● What does unsecured mean?
● What is collateral?
● What is LTV?
● What’s wrong with having a lower monthly payment
and longer term.
● What’s a UCC?
● Personal Guarantee vs. Performance Guarantee?

14. Key Takeaways

16. Alex Sklar

17. Q4 Amazon Advertising and Operations Summit: Strategies to Reach Maximum Profit
Please Hold For Our Final Session @ 12:00pm PT/ 3:00pm ET