2013 Amegy Bank N.A. Member FDIC.
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1 2013 Amegy Bank N.A. Member FDIC. 1
2 Conventional Financing Business/ Borrower Characteristics Company has been in business for at least 2 years Adequate collateral Sufficient Equity Positive Cash Flow / Sufficient Debt Service Coverage Good Personal Credit: Owners with at least 20% ownership in the company will have to personally guarantee all loans
3 Revolving Line of Credit Used for temporary/short-term working capital Matched to business cash cycle Proper Use: Business operating expenses prior to collection of Accounts Receivable Collateral: All business assets, including Accounts Receivable Term: 12 months Interest Rate: Variable
4 Business Term Loan Equipment Purchase / Refinance Term: months (New and Used) Interest Rate: Fixed Collateral: Specific piece of equipment being purchased/refinanced; all business assets Advance Rate: Up to 90% Tenant/Leasehold Improvements Term: 3 month interest only period, followed by up to 60 months of Principal and Interest payments Interest Rate: Fixed Collateral: All business assets
5 Real Estate Loans Owner-Occupied Real Estate: Purchase/ Refinance Business occupies at least 51% of the building s total square footage Term: 5-10 years Amortization: Up to 25 years Rate: Fixed Equity/Down Payment: 20% Loan to Value: Up to 80%, based on appraisal
6 Construction Terms: 3 month 9 month interest only period, followed by 60 months of Principal and Interest payments Amortization: Up to 25 years Interest Rate: Fixed Contractor Approval Review and approval of all plans and specs, and construction budget
7 Other Products and Services Mortgage Equipment Leasing Foreign Exchange International Banking Personal Banking Treasury Management Services Retirement Planning Trust
8 Factoring What is Factoring? Factoring is the short term purchase of qualified Accounts Receivable Interim source of financing leading to a traditional bank facility Excellent access to capital for growth and market share Eligible invoices are for a completed service or a shipped product Amegy Bank Business Credit will typically advance 80% to 90% of the invoice amount Credit risk is transferred from the borrower and moved to the account debtor (the borrower s customer)
9 Factoring SOLUTIONS THAT WORK Providing growing businesses a stable and flexible alternative to conventional financing Local institution providing 24-hour funding for qualified customers The capacity to fund transactions from $150,000 to $50,000,000 An exclusive FastTrac program tailored for the small business owner Ideal Candidates: Service companies Wholesalers Distributors Suppliers Manufacturers Staffing Companies Business Characteristics: Newly formed companies Companies with high client debtor concentration Companies with strained cash flow Companies with high debt or inadequate net worth Companies already using a factoring company Companies experiencing rapid growth Owners with limited personal net worth 2012 Amegy Bank N.A. Member FDIC.
10 Contact Information Pete Ellen SVP/Business Banking Area Manager Amegy Bank Jessica Tecson VP /Business Banking Relationship Manager Amegy Bank
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