1. ADA BUSINESS CREDIT
CORPORATION
COMPANY OVERVIEW &
FINANCIAL SERVICES
Archie D. Adams
President
ADA Business Credit Corporation
6400 W KY 70, Liberty, KY 42539
Email: archie.adabcc@gmail.com
Phone: 239-273-5415

2. Executive Summary
ADA Business Credit Corporation (ADABCC) was formed in 1996 as a Sub-S Corporation in Florida;
however, the founder has been providing his financial services since 1974 operating in the
Indianapolis, Indiana area as Archie D. Adams & Associates. Operating in all states in the US,
services include funding for commercial real estate and businesses, debt & equity funding for large
capital projects; however, for the past 20+ years the services have been focused on the sub-prime
credit auto finance industry.
The founder, sole owner and President of ADABCC is Archie Adams. With over 40 years of
experience in financial services, strategic relations have been formed with many private investors,
institutional lenders and investment companies. Often times, ADABCC assist its private and
institutional sources deployment of funds by locating qualifying projects and clients for the source’s
funding consideration.
ADABCC engages in discussions with its clients to understand client’s need, gain the
understanding and consensus from client of potential financial solutions, assembles the necessary
financials and documentation to form a teaser presentation to ADABCC’s potential funding sources.
ADABCC then coordinates discussions/meetings with client and potential funding sources with the
goal of obtaining a letter of interest (LOI) from the potential funding source leading to successful
funding for client. For such services, ADABCC is paid a success fee from the closing proceeds.
Much of ADABCC’s business come from brokers nationwide who seek to partner with ADABCC to
provide the funding needs of the broker’s clients.
ADABCC strives to operate and maintain its reputation of fair and ethical practices. ADABCC
believes in the attitude of “under promising while over delivering” the success of its services.

3. Financial Services
Auto Industry
 Sub-Prime Auto Dealers (BHPH) and Auto Finance Companies:
• Sale of Performing Auto Loan Portfolios - ADABCC has successfully facilitated the sale of more
than $100 million of auto loans for its auto dealers and finance company clients. With its vast
number of private and institutional buyer sources, ADABCC can help a client realize its highest and
best offer whether selling as small as $250,000 of loans or whether selling $25 million or more of
auto loans. ADABCC has been successful in facilitating the sale of the entire business platform and
assets of auto dealers and auto finance companies.
• Revolving Lines of Credit (LOC) - whether just starting as a BHPH auto dealer, a BHPH auto
dealer with many years experience or an auto finance company, ADABCC has the experience and
funding source contacts to facilitate a LOC for your business. Your need may be for a new LOC,
refinance your existing LOC to lower your cost of funds or improve your LOC advance rate and
covenants. My sources offer LOCs under $5 million at rates to prime plus 12 with advances of 40%
to 60%; and, for LOCs over $5 million at rates to LIBOR plus 6 with advances ranging to 85%.
ADABCC has successfully facilitated over $100 million of LOCs for its clients. Outsource your auto
financing needs to ADABCC while you maintain focus on the operation of your business.
• Consulting - ADABCC partners with other industry experts to provide the level of consulting
services you need and can afford. An initial assessment is conducted to identify areas of weakness
or areas needing improvement in your business and to then develop a plan to implement
improvements. Establishing policies, procedures, job descriptions and training for everyday BHPH
operations, insure regulatory compliance in both sales and loan originations, establish proper
accounting and data management systems (DMS) encompass some of our consulting services
offered.

4. Sub-Prime Credit Auto Industry services continued:
• Non-Performing Auto Loans – ADABCC has a multitude of buyers for non-performing auto loans.
By selling your non-performing loans after the initial charge-off stage, your collection personnel can
focus on collecting your active, performing loans which will maximize your cash flow from
collections. In selling your non-performing auto loans, you and your personnel will learn how to
properly and compliantly document your charge-off loans so as to efficiently and more quickly
complete the non-performing loans sale process. Non-performing loans normally fall in the
categories of:
• Bankrupt loans are priced to 50% of the principal balance. ADABCC’s buyers will purchase
as few as 5 loans or every bankrupt loan in your inventory. After the initial purchase, new
bankrupt loans can be purchase as soon as you receive the bankrupt notice thereby
eliminating your staff having to manage the timely confirmation filings with the courts and
eliminate having your capital tied up for up to 5-years and often having the courts cram down
the interest rate and principal balance to 10% or lower!
• Secured Skip loans are priced to 35% of the principal balance. Skip loans can be
purchased in small or large amounts. As with bankrupt accounts, you reduce your staff’s
involvement and you recover your capital quicker and often on accounts for which you would
not otherwise realize any capital recovery! ADABCC’s subsidiary company, Shelby Capital
Adjusters, LLC, (SCA) buy secured skip accounts in small or large quantities. SCA performs
the skip tracing, asset recover and disposition and establishes new deficiency balance loans
that are then collected out or sold to debt buyers.
• Deficiency Balance/Charge-Off loans are priced to 2.5 cents of the principal balance.
These build up in quantity quickly and consume a lot of your staff’s time as well as file
storage space. Portfolio size minimums of $500,000 with no upper size limit.

5. Auto Industry Continued
 Prime Credit Auto Loans are commonly owned by banks and credit unions who have indirect auto
loan origination relations with franchise and independent auto dealers. ADABCC can represent either
the seller or buyer of prime credit auto loan portfolios ranging in size from $2 mil with no upper size
limit. Pricing ranges to 104+ of par and can be service retained or released.
 Asset-Back Securitization (ABS) and Securitizations of auto loans are most effectively packaged and
placed in size minimums of $50 million. ADABCC has relations with various investment banking
entities who have the experience in the packaging and placement of ABS and securitization of both
sub-prime and prime credit auto loans. ABS and securitization is a method to optimize the value
received for auto loans, and with the seller retaining the servicing, provides seller additional cash flow
and seller control of its customers.
 Capital raised for auto finance companies and business in other industry sectors in the form of
debt, sub-debt, equity, mezzanine or other structure is offered by ADABCC thru its affiliation with
investment banking entities who seek clients needing a minimum of $5 million of new capital. ADABCC
also has relations with private investors who will consider minimum investments of $250,000.
Consumer Financing
ADABCC has establish relations with private and institutional buyers of consumer loan portfolios in the
asset classes of: 1) branded and private label credit cards, 2) auto, 3) installment loans and leases, 4) private
label debt telecom, 5) student loans, 6) small business loans, 7) judgments and other types of consumer
loans purchased primarily from direct issuers (e.g., banks) and on occasion from other debt buyers.

6. Debt Financing
 Commercial Real Estate Loans - ADABCC has relations with private and institutional
lenders to finance the acquisition of real estate properties and to refinance existing real estate loans to
leverage the equity to obtain working capital for your business. Loan size of $1 million and higher.
Interest rates ranging from prime+ to 20% and LTVs ranging from 50% to 90%.
 New Commercial Real Estate Construction Projects - ADABCC’s investment banking
group sources can provide the capital stack for new commercial real estate construction projects ranging
for $10 million with no limit. Project principals must have the experience to construct and manage its
project as well as show evidence of equity in minimum amount of 10% of total project cost. The capital
stack can consist of debt, sub-debt, equity, warrants, mezzanine, partnership and other unique
structures.
 Business Loans - ADABCC works with sources that will fund to $100,000 unsecured loans;
equipment leasing and other asset type loans. For businesses with annual sales of $5 million+ and
EBIDA of $1 million+, funding can be provided structured as debt, sub-debt, equity, warrants, mezzanine
or partnership structure. Merger and acquisition funding is also available.
 Equipment Lease Financing - equipment lease financing is available for new equipment
acquisition and refinance of currently owned equipment. Equipment lease financing provide tax
advantages to the lessee and LTVs that other financing structure.
 Seller Financed Real Estate Notes - ADABCC will either purchase or arrange for the purchase of seller
financed residential or commercial real estate notes. Purchase can be structure for a stream of the
payments or the full note purchase.

7. Biography Summary
Of
Archie D. Adams
Executive - Consultant - Broker - A mature business professional with good communication skills and who
is multi-task oriented. Archie’s over 42 years experience includes domestic and international project
management, investment analysis, management, directing business operations, business development and
finance. Industry background includes real estate, mortgage and business finance, aerospace and
pharmaceutical manufacturing, BHPH operations and auto finance. Recent significant activities are as follows:
• Providing consulting and financial services to auto dealers and finance companies in the sub-prime auto
industry with emphasis on solving cash flow needs. Successful projects include placement of lines of credit
facilities of over $50 million and brokering the sale of auto receivables and RV receivables bulk portfolios with no
size limitation. Archie recently successfully facilitated the sale of an auto finance company’s platform and assets.
• Principal mortgage broker for mortgage brokerage business with emphasis on commercial real estate and
business financing.
• Organized, developed and participated in companies and partnerships engaged in pharmaceutical
manufacturing and services in the aerospace industry. Served in CFO capacities and financial forecasting.
• Consultant and volunteer to the Small Business Development Center of SW Florida consulting on
organizational, financial and business development matters to various existing and start-up companies.
• Volunteered in the capacity of finance chairman & treasurer for two different church organizations.