CA$HCARD AT-A-GLANCE

NAME OF OPPORTUNITIES

Ca$hcard Master Partner, Metro Partner and Team Agent

TYPE OF BUSINESS

Consumer Finance

WHY “Ca$hcard AT-A-GLANCE” IS PROVIDED

Ca$hcard AT-A-GLANCE” is intended to be a Quick-Reference Business Primer for prospective New Ca$hcard Master Partners, Metro Partners and Team Agents.

Ca$hcard has also prepared other referential documents and authoritative materials of probable high interest to prospective New Partners and Agents.

BUSINESS SUMMARY

Originating in and based out of Colorado  –  Ca$hcard is an innovative, resourceful and unique Consumer Finance company  –  offering its clientele some of the most original, fundamental and useful Consumer Lending services available.

Ca$hcard’s PRIMARY SERVICES

For bank card holders, Ca$hcard provides up to the full credit-limit of each bank card  –  in ca$h.

OWNERSHIP

Ca$hcard is a Limited Liability Company  –  privately-held within the State of Colorado.

LICENSE TO OPERATE

Ca$hcard and its proprietary means of operation are solely and exclusively licensed to operate throughout North America  –  including The United States, Canada, and Mexico  –  by the North American Bank Card Association (NABCA).    This licensing includes the authority to appoint and authorize the appointment of New Ca$hcard Representatives throughout North America.

Ca$hcard YEAR FOUNDED

2012

Ca$hcard OPERATED in SOUTHERN COLORADO SINCE

2013

PRIMARY BUSINESS ACTIVITY

Unique Consumer Lending

BASIS OF NEW OPPORTUNITY

Regional & National Business Expansion

NATURE OF OFFERING

New Professional Financial Services Agent Opportunity

NEW AGENT PROFILE:  ATTRIBUTES MOST CONTRIBUTIVE TO SUCCESS

  • Entrepreneurial Spirit
  • Independent
  • Expansionistic

3 KEYS TO Ca$hcard’s SUCCESS

The primary keys to Ca$hcard’s success are:        

  1. Recognizing and constructing effective approaches to critical needs in the Consumer Cash Lending Market.
  2. Original and innovative addressing of those needs.
  3. Quickly developing and building on the best marketing approaches.

NEW REPRESENTATIVE FINANCIAL REQUIREMENTS

All Business Performance financial information is available from Ca$hcard HQ.

Most worthwhile profitable business endeavors require financial co-participation and commitment  –  and Ca$hcard is no different.

Exact Ca$hcard Representative financial requirements are available from authorized Ca$hcard Representatives.

TARGET MARKET and CLIENT PROFILE

As the Ca$hcard business unfolded over the NABCA-mandated trial years and since, the primary demographic of    White Male, ages 20-72   became well established (much as anticipated by Ca$hcard HQ).

Of relevance:

  1. That demographic is highly generalized
  2. There are regular exceptions to it
  3. General and specific demographics, themselves, are less important than
  4. how Ca$hcard reaches clients
  5. what Ca$hcard offers clients
  6. how Ca$hcard treats clients
  7. the tremendous opportunity Ca$hcard represents

SEASONALITY

Other than maybe a increased activity during the holidays (early November to early January)  –  during Ca$hcard’s operation to-date, there has been no evidence of any sort of meaningful operational calendar-year seasonality of consequence.

Ca$hcard TOP MANAGEMENT BACKGROUND

The Top Management of Ca$hcard is comprised of seasoned veterans of Banking and Consumer Credit.

This hand-selected group has proven itself by the …

  1. insight it brings to Unique Consumer Lending
  2. sheer focus, drive, and moxie  it applies to business-building and profit generation.

Ca$hcard CASH-ADVANCE PROFITABILITY and PROBABLE WINDFALL PROFITABILITY

The profitability of Ca$hcard’s primary line-of-business is based on transaction mark-up.

This is both a LARGE positive and a small negative:

On the plus-side, it means that generous profit-margins are built-in to transactions.    Profits are thus easy and automatic.

On the flip-side, this relative margin constriction means Ca$hcard may never be able to expect a sudden, pleasant windfall from its base transaction business.

QualifierCa$hcard’s excellent track-record  –  plus its inventory-free, low-overhead transaction primary line-of-business  –  means that it’s doing what other successful companies sometimes do:  achieving safe, reliable profits in a vertical niche market.

Ca$hcard AGENT-RECRUITMENT REVENUE and PROFITABILITY

As New Master Partners and Metro Partners commence business operations  –  Ca$hcard provides them a tremendous two-phase profit opportunity:

  1. Recruit other Master Partners and Metro Partners as well as Team Agents
  2. Build their own Business Team

With Ca$hcard’s assistance  –  and by following Ca$hcard’s lead  –  New Master Partners and Metro Partners are quickly able to recruit additional Team Agents to their own organization.

This builds their cash-advance transaction volume and provides them with excellent recruitment windfall revenue  —  both of which seriously add to handsome monthly & annual income!

RECENT HISTORY & GROWTH OF THE CASH-ADVANCE INDUSTRY

For over the past two decades+, the Cash-Advance & Check-Cashing Industry has experienced phenomenal growth  –  with regular double-digit annual growth-percentages* in …

  • Transactions
  • Client-base
  • Dollar-volume
  • Profits

Ca$hcard has likewise enjoyed …

  • Growth commensurate with the Industry, at-large
  • Additional growth due to its unique position within the Industry
  • Even more growth with the built-in Business-Building options it offers

REPEAT-BUSINESS FACTOR

Ca$hcard experiences a gratifying Repeat-Business percentage.

That exact percentage is, however, proprietary information*  –  and is not published in general-distribution materials.

CLIENT CHURN

Ca$hcard enjoys a solid influx of New Clients from a variety of sources.

The exact breakout of the ratio of New Clients to Former Clients is, however, highly proprietary*.    Such specific data never appears in general-distribution Ca$hcard materials.

MARKET SHARE

Formal market-share evaluations have not been ordered or deemed necessary by Ca$hcard for four primary  reasons:

  1. Ca$hcard has its own exclusive piece of the Cash-Advance market.
  2. Although a service option –  Ca$hcard doesn’t currently cash checks (among other reasons*:  insufficient mark-up).
  3. As compared to the dozens of local Cash-Advance/Check-Cashing store-fronts –  basic facts support that local Ca$hcard Agents single-handedly out-perform any of the best store-fronts.
  4. By offering Master Partners and Metro Partners opportunity to build their own Business Organization –  Ca$hcard’s growing market share further promotes Partner Business-Building.

COMPETITION

Two primary factors regarding Ca$hcard Competition are:

  1. By Design, Operating Methods, and Background in Banking & Consumer Finance – Ca$hcard is, literally, its own competition.
  2. No other Private or Public Business Entity is authorized by the North American Bank Card Association (NABCA) to do what Ca$hcard does.

NEW PARTNERS AND AGENTS Ca$hcard FIND …

  1. There are no competitors to be faced; nor will there be.
  2. No one else has Ca$hcard’s exclusive authorized lock on the credit-for-cash market.

RETURN ON INVESTMENT

Without revealing exact numbers*  –  one need only …

  • compare Ca$hcard’s excellent bang-for-buck New Partner and Agent fees to pricey Cash-Advance franchise-fees and store-front overhead
  • appreciate that a single Ca$hcard Partner or Agent often out-performs the best local Cash-Advance store-front

… to see that Ca$hcard’s ROI is multiples that

of all Cash-Advance store-front franchises.

FINANCIAL STATEMENT QUALITY and COMPLETENESS

The quality and completeness of Financial Statements and Performance Data is often a subjective measure to each individual viewer;  ie  –  almost every individual viewer can seek different items amid conventional financial reporting  …  and easily has those individual elements of most interest to themselves.

Ca$hcard endeavors to make available to qualified New Partner and Agent prospects standard Financial Documents, Accounting Reports* and projections as regularly used in Conventional Business Evaluation.

The Quality of Ca$hcard’s Prospectus-style Financial Statement Suite is considered Industry-Standard.

NEW PARTNER / AGENCY TERMS

  1. As a Corporate Entity –  Ca$hcard HQ, itself, is not for sale:  what’s under consideration are Partner and Agent Opportunities;  thus  –  use of the term ‘sale’ applies only to New Ca$hcard Partner and Agent

Exact New Partner and Agent financial requirements are available from authorized Ca$hcard Representatives.

CORPORATE CULTURE

The Corporate Culture of Ca$hcard had its origins within Conventional Banking and Consumer Lending Communities  –  which are, by reputation, generally Conservative, formally-attired, and straight-laced.

In order to project itself strong enough to break free of the reputation of those Communities to enable a sufficient trial of the Business Concept and Model  –  a certain air of Independence was required.

Although now well-proven and accepted within those Communities  –  Ca$hcard’s Free Spirit Outlook and Independent Attitude remain intact.

CURRENT FINANCIAL STATEMENTS

Ca$hcard strives to maintain current reviewable financial information* available for qualified individuals who sense the personal value of Ca$hcard for them and are seriously interested in becoming a Partner or Agent.

These materials include limited Most Recent Three-Year Financial / Accounting / Performance Reports, Graphs, and Charts*.

CURRENT FINANCIAL PROJECTIONS

Ca$hcard’s current Financial/Accounting/Performance Reports, Graphs, and Charts* provide the basis for reasonable financial projection work-ups.

Such work-ups are for projective extrapolation only.

Although Ca$hcard provides an excellent base-business and business-building opportunity to prospective Master Partners, Metro Partners and Team Agents  –  like all businesses:  all projections are provided with the understanding that the exact performance and profitability of Ca$hcard for any Representative at any level is entirely dependent on the business-related Ca$hcard-recommended per-Representative efforts extended.

MINIMUM FINANCIAL PERFORMANCE

The basic Individual Ca$hcard Business Entity  –  the Team Agent  –  consistently realizes …

  • double-digit annual percentage-increases in business
  • net-income in the mid- to upper-five digits.

Master Partners and Metro Partners enjoy considerably higher income than do Team Agents:  often multiples thereof.

TRANSITIONING TO THE NEW REPRESENTATIVE

As one might expect:  hand-off of essential Ca$hcard Business Operation Materials to & Training of New Subordinates occurs between the Recruiting Representative and the New Recruit.

NEW/OPEN MARKETS

Now performance-proven over a span of years, Ca$hcard is poised to expand business-building nationwide at all levels.

ENDORSEMENT OF BUSINESS OFFERING MATERIALS

“We regularly represent businesses for-sale of all natures.    Only rarely have we seen business offering materials superior to those of Ca$hcard.”.

~ Mike Anderson, Corporate Ventures, Inc./Omaha

“Max Brandon and Ca$hcard HQ have simply done a top flight job in preparing their business presentation.    Even the least-experienced business shopper can have every confidence that all Ca$hcard pieces are in-place and fully accounted.”.

~ Lisa Scivally, Murphy Business & Financial/Tucson

”Thanks for letting us review your tremendous Prospectus for Ca$hcard, Max:  all The Right Stuff.    Your offering of these exceptional business opportunities is certain to be A Winner for Ca$hcard Representatives at all three levels.”.

~ Doug Johnson, Horse Sense Consulting/Colo Spgs

BUSINESS GROWTH (STATED IN HIGH-LEVEL, ANNUAL PERCENTAGE-ONLY TERMS)

* Ca$hcard Financial Documents, Accounting Reports, and Business Performance Charts/Graphs are available.    Because they are proprietary, disclosure requires a signed & dated NDA (Non-Disclosure Agreement) to first be provided to an authorized Ca$hcard Representative for review and approval.