Software Development:
Point-of-Sale Processing: AC expects to launch a real-time online credit processing and documentation system by the end of 2008. Our goal is to provide point-of-sale finance tools to qualified vendors in the near term. As above, we are and much obliged to any feedback of experiences that you have held with existing or competitive systems. AC also seeks to implement electronic signature processing for contracts.

Client, Vendor Management System: AC foresees implementation of an intuitive and expansive client and vendor management online system. For clients, the system will enable upload of transaction requests, download of documents, digital signature, tracking, payments, customer service, and ticket resolution. Vendors will have access to a login system for management of their transactions, fundings, marketing materials, promotions, and follow up.

Dynamic, Collaboration System: A major element of AC's vision is to implement a dynamic system for sharing of information between various parties in business transactions. We are developing and will soon launch a system that enables certain social networking features, providing our clients and vendors with the ability to communicate with each other, post and read discussions, and share knowledge and expertise. We intend to build a community that ties in with other such enterprises and networking environments that promotes collaborative growth and openness in finance.

Knowledge-Base: AC is developing a similar structure that will specifically be a dynamic, community and expert driven database of information that empowers business owners in their decision making process. We have seen many examples of Web 2.0, 3.0 concepts that act as a great equalizer in otherwise static or slow industries. AC knows that it is just a matter of time before the same occurs in finance. We expect to be a part of this process and will hopefully add to the field.

What We See Coming:
Service, Sustainability, & Social Responsibility: Associated Capital makes it a decisive point to focus on the integrity of the sales process. We suggest that companies realize additional financial gain when they focus on exceptional customer service prior to, during, and after the sale. Many vendors work with AC holding a recognition that the likelihood of future purchase from a customer is enhanced by a smooth finance transaction and excellent support for the years to follow. Vendors lose credibility when a lender charges a higher rate or misrepresents a customer. Associated Capital offers lower rates and a service-based sustainable approach that is underscored by a true desire to help our clients grow their businesses. Social responsibility requires a contract of trust and mutual benefit. As such we shield our clients from interim rent, automatic extension, and prepay penalties in almost all contracts. With information opening and new applications launching daily, we foresee that social responsibility and clear corporate intention will be of increasing real value to profits and growth.

Business Is Changing: Associated Capital encourages each vendor to become a leader in the next phase of 21st century business. In healthcare, we see significant growth and restructuring. Preventive medicine, new research, flexible insurance plans are shifting the landscape of traditional medical care. In general business, the power of information exchange is changing the way business is done, rendering many conventional practices obsolete. The networked society, free-flow of data, and sharing of knowledge are leveling disparities and bringing corporate practices to a wider audience. Good business is rewarded; mediocrity reduces sales. Transparency is key on all levels. Associated Capital expects to rest on the cutting edge of new structures and innovations as they emerge in business practice and in healthcare.