COMMERCIAL FINANCE

ASSET-BASED FINANCING

The Commercial Division provides a variety of asset-based facilities ($350,000-$3,000,000) to clients nationwide through both our direct sales force and broker network.

Commitment to the "Marketplace"
Over the last twenty-plus years Pentech has arranged more than a half billion dollars in debt and lease financing. Our primary focus is, and always has been, providing financial solutions that allow companies to fund continued growth while leveraging existing equity.

Understanding "Risk Management"
One of the company's main strengths is its ability to assess risk and price our products accordingly. Our hands-on knowledge of the industries we serve and their related financial issues, operations and products allows us to make highly informed financial decisions and structure appropriate value-added financial solutions.

Direct and Broker Sales
Pentech maintains both a Direct Sales Group and an Intermediary Markets Group to serve the needs of a wide range of clients.  With our corporate offices in Silicon Valley, Pentech has the personnel, organization, and financial backing to provide timely financial solutions that meet the needs of an ever-expanding marketplace.

                                                                                    NAVIGATOR PROGRAMS

A STRATEGIC PARTNERSHIP WITH USBANCORP

Pentech and USBancorp Manifest Funding Services have entered into a strategic partnership called the Navigator Program which provides an alternative B-C funding source for Manifest's In-Tandem and Partnership brokers.

The Navigator Programs
Navigator is broken into several programs which provide a wide range of services to this select group of Manifest "approved" brokers.  All are designed to understand and manage the associated credit risk, price the product correctly, and deliver a high level of customer service.  The various programs are being serviced by Pentech personnel in Marshall, MN, Campbell, CA, and at our new Funding Services Group in San Diego, CA.

Navigator & Navigator Direct
Navigator is a small-ticket ($10,000-$75,000) lease program designed to service Manifest referrals. It provides Manifest brokers a B-C funding alternative and quick turn-around without the necessity to resubmit the lease package.  Navigator Direct was established to provide, under certain circumstances, the ability for Manifest brokers to send B-C lease packages directly to Pentech.  Both of these programs are serviced by Pentech Funding Group in San Diego, CA.

                                                                                              ASSET MANAGEMENT

ASSET RECOVERY AND RESALE SPECIALISTS

Asset Recovery/Refurbishment/Resale Services
Pentech's wholly-owned asset management division, Hummingbird Solutions, provides a complete range of asset recovery and resale services custom designed to meet your specific needs. End-of-lease returns can be accepted directly from the current user, pre-sold and shipped directly to the new owner, or we can arrange pick-up and storage during the disposal process.  Quality control includes complete analysis, sanitation and refurbishment where required and our multi-channel remarketing network provides timely disposition with an  emphasis on maximizing return.

Hummingbird Solutions Retail Outlet                                              Hummingbird maintains a Silicon Valley based retail outlet for specific types of high-tech equipment and office furnishings.  In addition to Pentech's lease returns, Hummingbird has developed hundreds of contacts in the pre-owned and off-lease equipment market and should be your first call for affordable equipment and furniture.  If its not it stock Hummingbird's staff can find it fast at very attractive pricing.

In-House Staff for All your Build-Out Needs
Hummingbird's in-house staff is available on short notice to support all your delivery, build-out, and relocation needs.  Whether it be moving your office equipment, furniture, or cubicles, this group has the experience to complete the job in a timely, professional manner.

Short and Long Term Storage Available
Need short or long term storage?  Hummingbird Solutions can provide for all your storage needs before, during and after your move on our premises.

 
   
     
   

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