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Commercial Banks use EF's financial platform to do more business with existing customers and acquire new ones.

EF offers banks a unique value proposition that add to rather then cannibalize existing business:

• Higher than average Risk Adjusted Return on Capital (RAROC)
• Flexibility: No commitment to credit lines and no capital allocation prior to investment.
• Utilization of unused credit lines.
• Positive contribution to customer relationship
• New income with negligible operation cost

EF creates a new class of assets for Institutional Investors:
Institutional Investors can use the Efficient Finance's platform as a vehicle to invest in short term debt assets of small and big companies practically without any operational costs.

The assets that EF generates are equivalent to, or better than, CPs from risk perspective, and yield a higher return (because of arbitrages that EF makes between buyers and suppliers) .
At the bottom line EF helps institutional investors enter into a market that has been dominated by commercial banks

EF has an investment record of over 10 years with 0.0% bad debt over diversified billions of dollars of investment in debt. Starting 2014, EF intend to offer select investors to join EF Hedge Fund and Invest together with EF as limited partners in EF's portfolio companies.

As investors - EF allows companies to buy back their own payables at high return. EF buys the receivables from the company's suppliers (the ones that the company approves as payables) and sell it back to the company. The company bears zero risk (the risk it will decide not to pay itself) and make a return that is significantly higher than on deposits. EF supports the company investment in its own payables with external financial sources whenever the company prefers to preserve the cash.

As Clients - EF offers big corporations solutions to finance their working capital both by buying receivables and through unique supply chain programs that allow companies to improve their payables.

As investors - EF allows companies to buy back their own payables at high return. EF buys the receivables from the company's suppliers (the ones that the company approves as payables) and sell it back to the company. The company bears zero risk (the risk it will decide not to pay itself) and make a return that is significantly higher than on deposits. EF supports the company investment in its own payables with external financial sources whenever the company prefers to preserve the cash.

As Clients - EF offers big corporations solutions to finance their working capital both by buying receivables and through unique supply chain programs that allow companies to improve their payables.

EF offers SMEs the best and most convenient way to finance working capital:

• EF expedites payments from customers and buying receivables at 100% non recourse terms.
• EF allows SMEs to pay late to their suppliers to easily manage cash flow.
• EF offers SMEs to make new profits while improving their supply chain.

Our passion is designing new financial solutions and our goal it to help good businesses thrive with less worries about the financing part of growth. We offer our clients innovative solutions for specific business needs of their vertical industry.