Finance Resource Guide

Bibby Financial Services is a worldwide market leader in business cash-flow solutions to small- and medium-sized companies. With offices in eight North American cities and 13 countries around the world, its product portfolio includes accounts-receivables finance, factoring, export finance, purchase-order finance, and specialist expertise in the apparel industry. It is an approved lender for the Export-Import Bank's working capital guaranty delegated authority program. Bibby Financial Services is a subsidiary of a 204-year-old privately held company based in the United Kingdom. Whether you are a start-up or an established company with sales volumes over $40 million, Bibby Financial Services can offer you fast, flexible funding solutions to help grow your business. For more information, visit www.BibbyUSA.com. CIT Commercial Services operates throughout the United States and internationally. The Los Angeles office serves clients in the Western United States and Asia. CIT is the nation's leading provider of factoring, credit protection, and accounts-receivable management services. Companies of all sizes turn to CIT for protection against bad-debt losses, to reduce days' sales outstanding, and to enhance cash flow and liquidity. CIT's breath of services, experienced personnel, industry expertise, proprietary credit files on over 330,000 customers, and comprehensive online systems are all reasons that clients say give CIT a competitive advantage. www.CIT.com First Capital's Western Region is a specialized commercial finance company positioned to enable entrepreneurs to achieve their goals through working capital lines of credit in the form of factoring agreements and inventory loans. Our team of professionals is committed to understanding your business plan and providing timely and consistent funding decisions. Our size and scope make First Capital the preferred working capital partner˜small enough to build deep personal relationships and big enough to deliver the ideal solutions. www.FirstCapital.com As the oldest privately held factoring company in the Southwest, Goodman Factors provides recourse and nonrecourse invoice factoring for businesses with monthly sales volumes of $10,000 to $2 million. Services include invoice and cash posting, credit and collection service, and cash advances on invoices upon shipment. Due to its relatively small size and centralized-management philosophy, its clients often deal directly with company management/ownership. Its size also enables it to provide flexible arrangements and quick decisions. For more information, visit www.GoodmanFactors.com. Established in 1994, Hana Financial is a commercial finance company specializing in traditional factoring, trade finance, and international factoring.Additionally, it provides SBA loans and residential mortgage loans. Hana Financial has successfully transformed itself from a local start-up, primarily serving a niche market of Southern California, to a nationwide firm garnering businesses from all across the nation. It operates in over 28 industries in four countries, with locations in Los Angeles, New York, Seattle, Chicago, and Denver.It's also a member of Factors Chain International. For more information, visit www.HanaFinancial.com. Merchant Factors Corp.'s services include credit checking of customers; credit protection; collections, receivable accounting; advancing funds; and purchase-order financing. Its competitive edge includes quick, non-bureaucratic decision-making and flexibility to meet clients' needs. We have been in existence for 25 years and understand this business. We maintain strong client relationships. www.MerchantFactors.com

Finance One Inc. was established in 1998, and 95 percent of its clients are apparel-related-both East and West coasts. They provide factoring, trade financing, and P/O financing to their clients-all with personalized service, competitive rates, industry understanding, a user-friendly online system, and value-added service. Contact Tae Chung at (213) 534-2908 or visit www.finone.com.

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