Adding Cash Flow Services to your Small Business …...Built on Microsoft Azure cloud platform Highly scalable and reliable Bank grade security and end-to-end encryption Azure App

Copyright © 2020 Finagraph – All Rights Reserved (Confidential)

Adding Cash Flow Services to your Small Business Offerings


Small Businesses Universally Struggle with Cash Flow

1 – Wakefield Research survey – Jan 20192 – Preferred CFO Study – March 2017

61%

of small businesses regularly struggle with

cash flow 1

of business failures are due to poor cash flow management skills /

poor understanding of cash flow 2

82%

of small business owners have been kept up at night by concerns

about cash flow 1

69%

of small business owners have been at risk of not paying

employees by payday 1

43%

Cash Flow matters in every business

Cash availability is surprising low

The median small business holds an average daily cash balance of $12,100

Poor Good

50% of small businesses have less than 30 days of cash on hand

Low Recommended3+ months

3

3

3 - Cash is King: Flows, Balances, and Buffer Days Study – September 2016

Very few businesses use a cash flow tool Many think cash flow management is hard

33% 74%use a tech platform, tool or app to manage their cash flow 4

of small businesses judge cash flow tasks as difficult 4

4 – Ipsos Public Affairs – Bank of America Small Business Owner Survey, Spring 2019

Small BusinessDefined

Employees

2-99Revenue

$100Kto $10M

only


Launched Business Advantage 360 Cash Flow App in March 2019

Free, valued added service for BoAsmall business clients

Offers them a competitive edge

Enables their business customers a deeper way to interact with BoA

“We want to create a full customer experience. We have small business specialists in many of financial centers, and we will be adding more, but we are also focused on digital transformation — giving our clients the ability to self-service on mobile or online, so they can choose how they want to interact with us.”

Sharon Miller, Managing Director, Head of Small Business at Bank of America

Cash Flow InsightBusiness Advantage 360

Multiple Banks adding Cash Flow Services for their SMB Customers

Value-added service for PNC small business clients

$10 Monthly fee which is waived with a Business Checking Plus account

Promoted as top tier offering for Small Businesses

Press Release

Demo

Visit PNC Cash Flow Insight

https://newsroom.bankofamerica.com/press-releases/online-banking-and-technology/bank-america-introduces-new-digital-tools-small

https://promo.bankofamerica.com/businessadvantage360/

http://www.pnc.com/en/small-business/banking/CashFlowInsight.html


We built CashFlowTool to drive every business to understand what actually matters and eliminate cash flow as a reason they fail.

Learn More CashFlowTool Lite Demo

KPI Dashboards

Interactive visual cash flow chart

6-month intelligent cash flow forecasting (see by month, week or day)

What-if scenarios to see cash flow impact

See anomalies with CashGuardian™

http://www.cashflowtool.com/

https://www.cashflowtool.com/cft-lite-demo


in the QuickBooks Marketplace

#1 Rated Cash Flow App

Best CashFlow Tool for Small Businesses

Yasso, 10/25/2019

Real Value Added benefits for clients!

Melcomer 12/06/2019

Saves Me 20 hours a month!MichelleAlchemy, 11/01/2019

Wonderful Insights

Ignite, 12/4/2019

Great Cash Flow App

Accrew, 10/31/2019

Helping BusinessesFocus AheadLindaH, 10/23/2019

CashFlowTool Best App for Accountants

FischerCPA, 12/04/2019

My favorite QB app

Fidalgo Coffee , 12/19/2019


Let’s bring the #1 rated cash flow service to your customers

✓ CashFlowTool is the #1 rated cash flow app on the QuickBooks Marketplace

✓ Proven & mature product: In the market for 3 years

✓ Cloud-based service offering a complete cash flow view of business vs bank-only view offered in Bank of America’s solution

✓ Works on virtually any device

✓ Multiple options for implementation and ready to be in production in weeks

Why it’s good for BREX

✓ Offer value-added services to your Small Business Customers

✓ Potential upsell to higher SKUs that you offer your SMB customers

✓ Gives you a competitive edge

✓ Provides a deeper connection with Small Businesses and know when businesses need you well ahead of time.

✓ Can be in the market in weeks, not months (or years) – Let’s discuss how!

Why it’s good for your customers

✓ They immediately know their business cash flow

✓ See BREX as a helpful business partner vs just a bank

✓ Provide added services to help them in times of cash flow need

✓ Running out of cash: Get a loan

✓ What-if scenarios (expansion, new capital equip): Get a BREX loan


Simple. Powerful. Predictive.

in the QuickBooks Marketplace#1 Rated Cash Flow App

James [email protected]

Dave [email protected]

Let’s start on this today!


Appendix


So, what is Finagraph?

We are a 100%

US-based software

company building cutting

edge financial technology

for lenders and small &

medium businesses

…with the goal of

helping all small

businesses with

powerful financial

intelligence

Our flagship product

Founded in 2011 by

ex-Microsoft and Bank

of America leaders


James WalterCEOEx Microsoft ExecWindows & Xbox

Dave FesterChief Marketing OfficerEx Microsoft ExecRan WW Consumer Marketing

Cheryl AbrahamsonVP, Corp Ops & LegalEx BBI Financial ExecAttorney

Justin PulgranoVP, Sales & Partner SuccessEx Ernst & Young Sr. ManagerCPA

Steve KellyDirector of EngineeringVP Engineering IntegoEx Microsoft: Group PM Visio

Experienced management team

Proven track record of building & shipping software

Experts in financial management & cash flow

Expertise in AI & Cloud

Multiple patents held

Finagraph Leadership


Working with the best partners delivering expertise and intelligence

Courses & Certification


Expose the #1 Cash Flow service as part of the Solutions Offerings

Cash flow management


Fully Branded BREX Cash Flow Service, Easily Integrated

Brought to you by


A premium reward to help your business customers


Easily Integrate Cash Flow Management & Forecasting into Existing Resources


CashFlowTool Technology Stack built on MSFT

Built on Microsoft Azure cloud platform Highly scalable and reliable

Bank grade security and end-to-end encryption

Azure App Services, SQL, Storage, Functions, AppInsights

Leverages Microsoft Web Service ArchitectureMicroservice architecture with full REST API support

Azure functions written in C#

Modern UX framework built using React & TypeScriptMaterial design and responsive UI

Fully componentized and easy to maintain

High performance and reliable

Strong adherence to Agile development methodsFully utilize Visual Studio Team Services

Continuous integration and deployment infrastructure

Amplifies the power of Microsoft ExcelAutomatic generation of fully formatted worksheets

Inline hosted Excel for online viewing and editing of cash flow predictions



CashFlowTool Secure Platform

• CashFlowTool uses bank-level 256-bit SSL and TLS cryptographic protocols to provide communication security over the Internet. This includes authentication and data encryption to ensure customer data is private and always protected.

• CashFlowTool customer data is stored on Microsoft Azure which has the industry-leading security built-in

• Each Business data has an added level of unique encryption above and beyond Azure’s security

• CashFlowTool only reads from and never writes back to QuickBooks

• We do annual security reviews in conjunction with Intuit to ensure our system is safe and secure

• The customer is always in control of their data and can opt-out at any time


CashFlowTool Mobile Solution

Access on any device via Browser

Consistent with other cloud-based services, CashFlowTool supports a fully responsive design across devices, including PCs, Macs, iPads and phones.

Companion Mobile App

CashFlowTool is the only solution with a companion mobile app, offering instant, ready-only access to both iOS and Android users.


Documents

Adding Cash Flow Services to your Small Business …...Built on Microsoft Azure cloud platform Highly scalable and reliable Bank grade security and end-to-end encryption Azure App