Intrepreneurial Interbanc Culture  The company targets experienced financial leaders in their local markets who have an entrepreneurial attitude to spearhead their local market penetration.  These individuals will have an experienced background in lending, significant training, local knowledge and be skillful deal makers.  They in many cases are looking to exit the corporate world and seek to utilize their skill set to begin their next career.  They in most cases will bring a book of business and extensive local contacts to make an impact for themselves and for IBG.

Value added Lending Products.  The challenge for most companies is that they can not maximize their company’s value because in some form or another they do not conform to the lending box.  It is constrictive; they have not maximized how to create a relationship with the lender and for conventional relationships will be constrained by the relationship. 

Unique Business Model  Most money sources be it banks, commercial finance companies, insurance companies or others lack infrastructure namely the sales infrastructure to obtain the type of deal flow that will efficiently maximize its opportunity to a wide range of transactions to employ capital at its best use.  Because of IBG’s franchise model it will be able to extend its acquisition reach at a low cost and maximize access to transaction types be it equity, mezzanine, or debt for commercial finance or in commercial real estate that most companies do not see!  This part of the model creates momentum to create critical mass both vertically as well as horizontally in a faster way.

Sustainable Competitive Advantage  By virtue of creating a sales infrastructure driven by entrepreneurs in local markets we not only capture the type of deal flow that allows us to employ capital but also it  allows us to capture greater investment because we continue to capture a wider variety of transaction to employ capital with maximum value.

Common Operating Model  since the backbone of the company is the FMN.net web infrastructure the company is not subject to legacy systems that would cause it challenges in operations or communications.  Any acquisitions will be upgraded to utilize the corporate infrastructure.

Business Interoperability  The company has different business units for different areas of the business practice yet they are structured to work interoperably to maximize efficiency, profitability and services the company can provide in much the same way as cross merchandising.  In many cases businesses have more than one loan or financing opportunity but due to the narrow approach of the servicing company they over look those opportunities.  Our interoperability starts with our approach to underwriting the transaction on a big picture basis.  We then can identify the needs of the borrower to unmask the real opportunities and services we can provide.

Speed to Market  When a company in many cases needs money they invariably need it fast.  We are using technology and process to underwrite any transaction in the fastest time possible.  In a business loan we usually seek to underwrite the transaction in 3 days from the receipt of all of the information.  Additionally we seek to create effencentcies in the process to maximize our access and utilization of information to identify if it is a deal we wish to fund, structure, broker and price.

Franchise Deal Flow  By creating a franchise model for deal acquisition we self finance the expansion of our deal acquisition by virtue of entrepreneuiers paying a franchise fee to be part of Interbanc Partners.  By creating an infrastructure they can access virtually to fund or broker their transactions, they can confine their time to the access of deal flow.  They maximize their time, obtain value, create significant cash flow and an equity in the company they are helping to finance.  The company obtains experienced financial deal makers with immediate deal flow financed by the franchisee.

Distribution Channels  IBG has positioned itself to take the big picture view of its clients.  This is why we have structured our company to do either commercial finance or commercial real estate.  This allows for an expansion of opportunities with customers we do business with. Customer acquisition decreases and per customer profitability increases.  Word of mouth being one of the best forms of advertising provides the company increased opportunities for repeat business and new customers.

Network of Resources  the small to middle market customers lack access to professional representation that can help them maximize corporate assets and access to money to help them grow.  IBG has positioned itself to provide financing for many types of transactions and many size of companies or collateral.