Introducing Pay4. The flexible and cost-effective way to finance payments to your suppliers. For growing UK businesses to make unsecured financed payments to suppliers in the UK and globally. Up to 120 days credit on every transaction and a credit facility between £50k and £1milion. Pay4 (UK) Limited

1. Introducing
Pay4

2. Pay4 Video
You Tube

3. What is Pay4…?
 Unsecured working capital for UK companies:
• not secured against business or personal assets
• Pay4’s credit facility is insurance backed
• additional finance, complimentary to bank facilities
 A pre-approved, revolving credit facility used to pay suppliers in any currency/country
 An online payment system which gives customers up to 120 days credit, with credit
limits of £50k to £500k
 Not related to the underlying contract between buyer and supplier
• no lien/ownership of goods or invoice
• no paperwork & minimal admin at point of transaction
 “Structured Overdraft”
• Structured: you pre agree repayment date and only for trade payments
• Like an overdraft: you can dip into it when you choose

7. Invoices:
 In date and within terms (not overdue)
 Min transaction of £5,000 (can be single invoice or multiple to same supplier)
Currency:
 Any currency, worldwide
Term:
 Select from 30 to 120 days from date of invoice
Transaction Criteria

8. Pay4’s Uses
Settle Supplier Invoices Early
Gives the leverage of a cash buyer, without tying up the
business’s cash
Extend payment terms
Receive funds from onward sales prior to repaying Pay4
Combination of both
Settle an invoice when due, eg day 60, then extend for a
further 60 days…

9. How will you use Pay4?
Pay4 has surveyed its customer base to ascertain the benefits derived from using its flexible working
capital solution. The feedback indicated that customers benefited from being able to take advantage of
various opportunities as a result of utilising the Pay4 facility:
• Clients negotiated prompt payment discounts. They used Pay4 to become a cash buyer without tying
up their own cash.
• Businesses were able to tender for larger contracts which previously they would not be able to consider
due to the working capital outlay.
• By freeing up working capital through deferring payment for supplies, businesses had the flexibility to
offer their customers longer payment terms. This helped win business.
• Clients were able to pay for goods where the chosen supplier would not offer credit terms, and still take
advantage of the credit by funding it through Pay4.
• Fund growth by using Pay4 to eliminate the differential between supplier and customer payment terms.

10. Flexible & Cost Effective:
 No set up, non-utilisation or management fees. No minimum volumes
 Competitive Transaction fees
Convenient:
 As easy to make a Pay4 transaction as any online payment
 Settle invoices to any number of suppliers, in any currency, worldwide
Complimentary finance:
 Not secured against business or personal assets
 Works alongside and in addition to existing finance
Benefits for your business

11.  No set-up fees or non-utilisation fees
 Just a Transaction Fee based on the size and the term
 Fee incorporates Pay4’s cost of finance, banking and insurance
Monthly percentage Rate
Costs to the customer
30 Days 60 Days 90 Days 120 Days
£200,000 1.55% 1.33% 1.26% 1.23%
£150,000 1.57% 1.35% 1.27% 1.24%
£100,000 1.62% 1.37% 1.29% 1.25%
£50,000 1.77% 1.45% 1.34% 1.28%
£25,000 2.07% 1.60% 1.44% 1.36%

12. If you are happy to proceed, please provide the following:
Step 1 – Due Diligence:
 3 months Bank statements
 Debtor/Creditor listings
 Latest audited Accounts
 Management Accounts
Step 2 - Documentation:
 Facility Letter & T’s & C’s
 Board Resolution
 KYC
Next Steps

13. To keep your facility active we require each month:
 Bank statements
 Debtor/Creditor listings
 Management Accounts
Please note: it is your responsibility to keep PAY4 updated with any personnel changes to the PAY4 platform
Welcome to Pay4

14. Thanks for listening & we look forward to
working with you!