{ "docId": "019de072-3659-72c5-a358-6fd43c930d52", "docSlug": "4929d5c9ab06b3f52c156a51c32ae37e", "documentTitle": "Pathward Financial | Investor Presentation Deck | 24 slides", "authorId": "pathward-financial", "authorName": "Meta Financial Group", "documentKindSlug": "pitchdeck", "documentKindLabel": "Pitch deck", "sourceTypeSlug": "investor_relations", "sourceTypeLabel": "Investor relations", "presentationDate": "2022-02-01 00:00:00", "orientation": "landscape", "aspectRatio": 1.3333334, "pageNumber": 24, "pageCount": 24, "prevPage": 23, "nextPage": null, "slideType": "appendix", "function": "appendix", "density": "overcrowded", "nDataPoints": 0, "notes": "Continuation of a definitions appendix; two-column layout with bolded term followed by short paragraph definitions. Running footer with company name and page number.", "elementsJson": null, "metadataConfidence": 0.92, "imagePath": null, "slideHref": "/slides/019de072-3659-72c5-a358-6fd43c930d52/24", "deckHref": "/decks/019de072-3659-72c5-a358-6fd43c930d52", "deckJsonHref": "/decks/019de072-3659-72c5-a358-6fd43c930d52.json", "deckAnchorHref": "/decks/019de072-3659-72c5-a358-6fd43c930d52#slide-24", "components": [ { "bbox": { "h": 0.08, "w": 0.45, "x": 0.52, "y": 0.48 }, "kind": "paragraph", "text": "Term Loan: A Term loan is a loan for a specific amount that has a specified interest rate and regular payment schedule to be repaid over a set period of time.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "1b162e40-5f3d-44f9-afe8-7d4f0760b418", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.4, "w": 0.45, "x": 0.52, "y": 0.57 }, "kind": "paragraph", "text": "USDA Loan: A USDA loan refers to financing guaranteed by the U.S. Department of Agriculture (USDA) as part of the Rural Development program and provided by a lending financial institution. USDA business loans, such as the USDA Business & Industry (B & I) loan, may be easier for a business to obtain because of the reduced risk for the lender. Lenders must meet sufficient requirements to be eligible as a lending entity.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "32333427-274f-41d9-ab04-41fb5c9d6ca8", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.11, "w": 0.45, "x": 0.04, "y": 0.54 }, "kind": "paragraph", "text": "Factoring: Factoring refers to financing based on the purchase of a company's accounts receivables, their invoices for goods or services. It is a subset of asset-based lending and is also known as accounts receivable financing.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "5ec7b1cb-e2be-4696-8d56-1451341bf404", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.08, "w": 0.45, "x": 0.04, "y": 0.22 }, "kind": "paragraph", "text": "Asset-Based Lending: Asset-Based Lending (ABL) refers to business loans that are secured based on assets as collateral, generally accounts receivable, inventory, equipment or other balance sheet assets.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "960716f4-d65d-4145-b675-12ce18696ff7", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.16, "w": 0.45, "x": 0.52, "y": 0.31 }, "kind": "paragraph", "text": "SBA Loan: An SBA loan refers to financing that is guaranteed by the Small Business Administration (SBA) and provided by a lending financial institution. SBA loans, such as an SBA 7(a) loan, may be easier for a small business to obtain because of the reduced risk for the lender. Lenders must meet sufficient requirements to be eligible as a lending entity.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "9a1709b1-56f2-4ceb-a444-10d50eaf53c6", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.12, "w": 0.45, "x": 0.52, "y": 0.18 }, "kind": "paragraph", "text": "Government Guaranteed Lending: A government guaranteed loan is a loan guaranteed by a government agency and financed through a lending financial entity. Government guaranteed loans include SBA loans and USDA loans.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "a11f01c2-80a0-4c61-9cd3-c89871066657", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.11, "w": 0.45, "x": 0.04, "y": 0.31 }, "kind": "paragraph", "text": "Accounts Receivable: Accounts Receivable (A/R) financing refers to financing based on the value of a company's accounts receivable (their invoices for goods or services) to another company. It is a subset of asset-based lending and is also known as factoring.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "b1c5e6a7-b684-4591-a5e9-9022e0acb6a1", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.1, "w": 0.45, "x": 0.04, "y": 0.66 }, "kind": "paragraph", "text": "Insurance Premium Finance: Insurance Premium Finance refers to short-term collateralized financing to facilitate the purchases of property, casualty, and liability insurance premiums for the commercial market.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "d9d1980a-dc08-4722-ac2d-c287a0acb62d", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.1, "w": 0.45, "x": 0.04, "y": 0.43 }, "kind": "paragraph", "text": "Equipment Financing: Equipment Financing refers to a loan used to purchase business equipment. The financing is provided through leases such as $1 Buyout, Fair Market Value (FMV), or through term loans.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "f3d38a39-f6a8-4547-bdda-be5c96a9410f", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.03, "w": 0.4, "x": 0.04, "y": 0.95 }, "kind": "source-note", "text": "Meta Financial Group, Inc. (NASDAQ: CASH) | Investor Presentation", "attrs": { "role": "running-footer", "numbered": true }, "subkind": null, "toolName": null, "toolSlug": null, "confidence": null, "componentId": "304edbbf-2082-462a-95d5-cc1e8e813d85", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.08, "w": 0.45, "x": 0.04, "y": 0.05 }, "kind": "title", "text": "DEFINITIONS, CONTINUED", "attrs": null, "subkind": "headline", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "82107050-9676-4d8f-a2bb-388c8371718a", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.04, "w": 0.4, "x": 0.04, "y": 0.17 }, "kind": "title", "text": "Commercial Lending Terms", "attrs": { "role": "section-heading" }, "subkind": "subtitle", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "b59e2630-2584-4709-83bb-9b0b0f368b7d", "frameworkName": null, "frameworkSlug": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "imagePathAlt": null, "thumbSrc": null, "thumbSrcAlt": null, "locked": true }