The future of commercial lending today – low cost, streamlined equipment financing for SMBs, in highest potential sectors.

1. August 2017
The future of commercial lending today – low cost, streamlined equipment financing for SMBs, in highest potential sectors.
This document is provided for informational purposes only. You may not reproduce this document in whole or in part, or divulge any of its contents without the prior written consent of Apple Capital Group, Inc.

2. Why the Apple Capital
Group?
We solve the problem of slow,
cumbersome, non-transparent
equipment financing for SMBs.
We offer aggressive financing
fees.
We work for the buyer not the
vendor.
Company at a glance.
 Incorporation: 2014. Start of operations, July 2016.
 Website: www.applecapitalgroup.com
 Type of Company: C-Corp.
 Headquarters: 201 East Abram Street, Suite 120 Arlington, TX 76010.
 Target Geography: United States.
 Target Sectors: Transportation, Construction and Cannabis.
 Financing Process: Leases originated directly with vendors, end-users
and referral partners.
 Lease volume: $10 million - $20 million.
 Transactions: $10K - $10 million.
 Revenues: 1H2017 - $150,000 from loan origination fees.
 Investment to date: $100,000.
2
Apple Capital Group is a “revenue generating” startup, revolutionizing equipment
leasing and financing through low fees, streamlined processing while targeting highest
potential sectors.
ABOUT US

3. 3
Tinita Jacquet
Co-founder, President & CEO
• Oversees Operations, HR,
customer/vendor relations
services and portfolio
management.
• AVIS Rent a Car and Truck
rentals.
• Southwest Airlines inflight
services - 25 years.
Timothy Jacquet
Co-founder, Sr. VP of Sales &
Marketing
• Equipment financing and leasing
- 25 years of experience.
• Eaton Financial - AT&T Co.
• AutoNation –Consumer and
Commercial automotive sales
and finance. Managed 100 floor
reps, 10 finance mgrs.
• SCORE Fort Worth - Vice Chair.
Sherilen Abraham
Comptroller
• Oversees general
accounting and payroll.
• Safety Clean and at Fossil
- 35 years of Accounting
experience.
Apple Capital Group was founded and is being led by highly experienced
and successful entrepreneurs.
SENIOR TEAM

4. 4
The Apple Capital Group has a strong track record of supporting SMBs.
ABOUT US
1 2 3
2016: Emerging
Leader
Acknowledged by the
Small Business
Association (SBA).
2012: The Core
Business Show
Weekly radio
show/podcast (2 M
downloads) with
management tips for
SMBs.
2013: B2G
BootCamp
Training on getting
Government Contracts
for SMBs.
4
2015: Partnership
with SCORE –
Forth Worth
Sponsorship of over 100
workshops per year.

5. 5
We are on track to generate $500K in revenues by the end of 2017. Our
achievements are best in class, considering our short tenure.
ABOUT US
ACHIEVEMENTS IN THE LAST TWELVE MONTHS
4hours
Credit Decisions
90%
Funding Next Day
$ 20
Million Funded
2years
Equipment Financing

6. Major players not responsive to vendors
Banks and large financial institution
irresponsive and slow to effectively address
the needs of vendors.
Lending process inefficient
Loan originators not highly automated,
competitively funded, or effectively managed.
Buyers not properly represented
In general, loan originators work for vendors
not buyers – higher costs passed to buyers.
.
Cannabis Equipment financing challenging
Demanding requirements and/or collateral
required of borrowers. Rates up to 50%/yr.
Few direct lending options
Lack of leasing and purchasing options
offered directly to customers.
Smaller transactions not cost effective
Traditional loan origination not cost effective
for smaller transactions, typical of SMB
financing.
At present, equipment lending for SMBs is slow, application process is lengthy and
non-transparent. Loan originators work for vendors not buyers.
PROBLEM WE SOLVE 6

7. 7PROBLEM WE SOLVE
Progressive cannabis legalization creates great opportunities for equipment financing.
However, current financing criteria and rates are extremely challenging for borrowers.
Source: http://www.gacareproject.com/2017-map-of-us-state-cannabis-laws/
Cannabis Equipment Financing
Financing Criteria:
• Available: owners with 650+ credit rating and some
time in business - down payment or collateral of
20%+ of the amount borrowed, depending on
financials.
• Limited to 10% of annual revenues: owners around
650 credit rating – 10%+ security deposit, collateral
might be required.
• Collateral required: owners with credit rating below
650 - 2X collateral coverage (e.g., real estate,
vehicles, machinery) or lower if item financed very
marketable.
Rates (i.e., 4-year term, $50,000 loan):
• Existing businesses:
o Good credit rating: 18%-20% per year.
o Bad credit rating: 38% per year.
• New businesses:
o Good credit rating: 23% per year.
o Average credit rating: 38% per year.
o Bad credit rating: 50% per year.
Source: https://www.smarterfinanceusa.com/blog/cannabis-equipment-financing

8. OUR SOLUTION 8
 Key target sectors: Transportation,
Construction, Cannabis Growing and Processing
equipment..
 SMBs - lease volumes $10 - $50 million,
transactions $10K - $10 million.
 Leases originated directly with customers, as
required by vendor.
Sector Focus
 Competitors work for vendors, passing higher
costs onto the consumer.
 Apple Capital Group works for the customer,
charging lowest rates.
Lowest Rates
 Streamlined application process - online.
 One-page application, in general.
 Most loans approved in 24 hrs.
Application and Processing Speed
 Customer updated on status as application is
being processed.
 Decisions within 24 hours after credit
investigation.
Transparency
Apple Capital Group solution is based on high potential sector focus, loan
processing efficiency, low rates and a superior sales structure and support.

9. 9
Apple Capital Group offers a focused range of services to address the financing
needs of SMBs.
OUR SOLUTION
Equipment Leasing &
Financing
Invoice Financing Small Business Loans
Transportation, Construction, Material
Handling, and Manufacturing
Procurement Financing Small Business Short Term Loans

10. 10
Our online application is straightforward enabling very fast processing.
OUR SOLUTION

11. 11
Equipment financing will experience dramatic growth, across the US, driven
mainly by cash flow optimization and protection from equipment obsolescence.
MARKET
Desire for off-
balance sheet
financing
8%
Cash Flow
optimization
35%
Protection
from
Equipment
Obsolescence
31%
Tax
Advantages
24%
Other
2%
RATIONALE FOR FINANCING EQUIPMENTGROWTH IN EQUIPMENT FINANCINGVOLUME - CAGR% 2016-2020
Sources: ”US Equipment Finance Market Study 2016-2017”,
The 2016 Foundation Borrower Survey,

12. MARKET
463 495 538 585 634 685
324
338
358
381
402
425174
181
191
201
212
222
62
62
64
66
67
69
53
53
53
53
53
53
0
200
400
600
800
1000
1200
1400
1600
2016 2017 2018 2019 2020 2021
USEquipmentInvestment-TargetSectors
($Billion)
Equipment investment in Apple Capital Group’s target sectors will exceed $1.1 T, this
year. Around 70% of this market is “addressable” through our services.
420
474
544
626
718
821
172
190
213
239
268
299
140
138
138
139
139
138
22
24
27
31
35
39
0
200
400
600
800
1000
1200
1400
2016 2017 2018 2019 2020 2021
USEquipmentFinanced–TargetSectors($Billion)
Source: Bureau of Economic Analysis Source: 2016 Foundation Borrower Survey.
Leasing
Secured
Loan
Line of
Credit
Other
US. EQUIPMENT INVESTMENT –TARGET SECTORS US. EQUIPMENT FINANCING –TARGET SECTORS
Apple Capital Group’s Services Offered
Transportation
Manufacturing
Office Equip.
Construction
IT Related

13. 13MARKET
16% 19%
25%
14% 16%
7%
7%
12%
14% 10%
5%
8%
7%
8%
8%6%
10%
12%
13%
8%11%
13%
11%
16%
14%
24%
18%
15% 13%
11%
5%
5%
5% 9%
5%
26%
20%
16% 13%
28%
0%
20%
40%
60%
80%
100%
< $1M < $5M < $25M < $100M >$100M
Our services “address” a large share of equipment financing methods, across our
target company size (SMB) and size of transactions we offer.
Leasing,
Operational
Leasing,
Capital
Leasing,
Unclassified
Secured Loan
Line of Credit
Cash
Credit Card
Other Financing
15%
21% 20% 17%
5%
11% 13% 16%
3%
7% 7%
14%
4%
10%
13%
12%
13%
13%
12%
13%
31%
14%
13%
10%
6%
4%
5%
3%
23% 20% 17% 15%
0%
20%
40%
60%
80%
100%
<$25K <$250K <$5M >$5M
EQUIPMENT FINANCING METHODS - COMPANY SIZE EQUIPMENT FINANCING METHOD -TRANSACTION SIZE
Sources: ”US Equipment Finance Market Study 2016-2017”, The 2016 Foundation Borrower Survey, Apple Capital Group’s Services Offered
SMB TRANSACTIONS WE OFFER

14. Competitors Fees
Cannabis
Financing
Same-day
Financing
Financing
Amount
Credit Risk
Tolerance
Track Record Footprint
APPLE CAPITAL
GROUP
Cannabis: 11%.
Other sectors: Highly
competitive
Yes Yes $10K - $25M Very high Startup
Texas (Y1),
Neighboring states
(Y1) National (Y2)
Balboa Capital
Other sectors:
Competitive
No Yes < $250K High
Over $5B
financed
National
Crest Capital
Other sectors:
Competitive
No Yes
$5,000 -
$500,000
High Founded in 1989 National
Trust Capital
Cannabis: 12% -30%.
Other sectors:
competitive
Yes Yes
< $50K (simple
application)
< $10M (financial
disclosure)
High Founded in 2013 National
Commercial
Fleet Finance
Determined by each
lender
No
Determined
by each
lender
$10K - $1M
Determined
by each
lender
Founded in 1995
> $100M
financed/yr.
National (leader on
loan origination for
Transportation
sector)
Competitive advantage – SMB equipment lease financing at very low rates with
streamlined processing, targeting mainly transportation, construction and cannabis
sectors.
COMPETITION 14
COMPETITIVE ANALYSIS

15. In the near-term, revenues will be generated primarily from loan origination fees
and lending portfolio income.
REVENUE MODEL
6.5%
Processing loan applications
from borrowers looking to lease
equipment.
Loan Origination
Fees
3%-4%
Buy Rate Online
8%-10%
A Credit
9%-14%
B Credit
30%
Cannabis
Warehouse Line
10%
Buy-out (avg. 5%-7%).
End of Lease
Sales
15

16. 16
We intend to scale up nationally by expanding our geographic coverage and
sales capabilities.
GO TO MARKET
Y1
Y1
Y1
Y1
Y1
Y2: Nationwide

17. Sales Strategy
 Expand sales team - 50
representatives (Y1), 200
representatives (Y5).
 Expand vendor accounts to over
1,000 (Y5).
 Continue building syndication
network of lenders for people with
a varied credit history.
 Hire credit underwriting team to
assist in discounting loan paper
and syndicating to banks.
17GO TO MARKET
Marketing Strategy
 Social Media Marketing (e.g.,
Facebook ads).
 Advertising in influential Industry Blogs.
 Social Media Presence. Become a
sector reference. Relevant content
posted periodically in social media
accounts.
 Google Advertising. AdWords
“universal’ campaigns.
 SEO. Optimize Website and Social
Media accounts.
Initially, around 70% of our business will be vendor-driven. Our sales capabilities
will be scaled up significantly to lock-in vendors across our expanding geographic
footprint.

18. Community Development
Financial Institution
 Financial services for low-income
communities and individuals without
access to financing.
 Apply for Department of Treasury
lines of credit to enhance lending
resources.
 Compete for tax credits to reduce our
tax liability on earned income.
 Borrow rate – 1% to 2%.
18CERTIFICATIONS
SBA Certified Lender,
Others
 Lending through the Small Business
Association (SBA) guarantee
(Section 7(a) and CDC 504 loans).
 Automotive dealer license, transfer
of titles for private ownership
transactions - trucks and trailers.
 Grow sales opportunities for diverse
suppliers and vendors.
Key Certifications will allow us to penetrate new segments, explore additional
business opportunities, while increasing our lending resources.

19. 19
In the next 12 months, we will embank in a series of activities to aggressively scale up
our business.
ROLLOUT
Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug
Partner w/local banks to
sell loans via discounting
Lend on equipment
($10K-$150K)
Investment Portfolio for
Cannabis equip. funding
Online marketing, SMM
(top 12 markets)
Set up Warehouse line
Personnel Hiring (22 in
sales, 3 admin)
CDFI lender, tax market
credit from DoTresury
Women and diversity
programs (Gov. Contract)
Obtain Automotive Dealer
License

20. Likely exit path will be acquisition by a large competitor. Expected leadership in high
potential sectors, including cannabis will make our company a highly desirable target.
EXIT 20
Source: William Blair Investment Banking, “”Specialty Finance Q317”
SPECIALTY FINANCE M&AVOLUME
46
50
42
47
39
43
48
28
16
29
26
35
48
45
0
10
20
30
40
50
2010 2011 2012 2013 2014 2015 2016
NumberofTransactions
Consumer Commercial
Source: EY, “2017 M&A Outlook Specialty Finance”, January 2017.
SPECIALTY FINANCE M&A HIGHLIGHTS

21. 21
info@applecapitalgroup.com
Phone 214-224-0995
applecapitalgroup.com/
Address
201 East Abram Street, Suite 120 Arlington,
TX 76010.
Social Media
facebook.com/AppleCapitalGroup
twitter.com/applecapital
linkedin.com/company-beta/881736/