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SGC vs.Traditional Funding

Two significant requirements are needed for a client to utilize Monetization Financing:

	An absolute and unconditional promise to pay from an investment-grade rated Obligor;
	Date-certain and sum-certain payment obligations.

An investment-grade Obligor is typically rated by S&P and/or Moodys with an acceptable rating. If a company is not rated, there are alternate procedures to qualify said Obligor. An Obligor is an entity which has contractually agreed to make absolute and unconditional payments to the client for a term of between 1-20 years.
This financing vehicle is differentiated from traditional financing in the following categories:

Competitive Fixed Interest Rates...... Read More Our low interest rates are determined by a combination of the term of loan and credit of the Investment-grade Obligor.

Non-recourse to the Client...... Read More Since we rely on the unconditional promise to pay from an investment-grade rated Obligor, funding is 100% non-recourse to our Clients.

No Fees or Equity Grants...... Read More Generally there are no points, closing fees or transaction fees. Further, there is no requirement to grant equity (stock, options, warrants, etc).

Flexible Repayment Terms...... Read More Unique flexibility in payment terms allowing the Obligor and Client to customize repayment to suit the specific cash flow and corporate needs of the project, including the option to defer initial repayment for up to ten years, and periodic scheduled payments extending from 1 year to 20 years.

Quick Approval & Closing Process...... Read More 1.Completion of SGC Qualification Sheet and subsequent due diligence 2.Conference call/face to face meeting to discuss details of project, parties involved 3.Yes or no to funding request 4.Legal document review and negotiation 5.Closing date scheduled

100 percent LTV...... Read More Monetization Financing provides 100% financing of the discounted present value of the future payment stream.

No Maximum Amount...... Read More Transactions available at levels starting as low as $5 million with no upper limit. Large investment banks typically only undertake these private placements for deals in excess of $100 million.

Minimal Due Diligence...... Read More No need to waste unnecessary time on various layers and committee approvals on the detailed review of client's financials, projections, business plan, collateral and other documentation. This is due to our overwhelming reliance on the promise to pay of the investment-grade Obligor.

No Required Use of Funds...... Read More Our clients have the ability to utilize the funds for whatever business purpose they choose (operations, acquisitions, dividends, etc) without any restrictive covenants.

No Reporting Requirements...... Read More Our clients are not subjected to any post funding reporting requirements.

Not Debt to Obligor...... Read More Financings are often structured via operating/maintenance agreements to avoid being classified as debt on the balance sheets of the Obligor, which is more beneficial for many budget-restricted entities such as large corporations, hospitals, school districts, government, etc.

No industry restrictions...... Read More We have the ability to fund transactions in virtually any industry.

	SGC vs. Traditional Funding

Structured Growth Capital, Inc
615 The Pavilion, Jenkintown, PA 19046
Tel 215-885-4795, Fax 484-685-7102

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