INVESTMENT CRITERIA

Oyster Capital Finance works with U.S. based small to medium size businesses to fund secured loans for working capital and strategic requirements. More specific criteria are listed below:

While most companies that have been established for two or more years will be eligible, we focus on companies in the following sectors: engineering, industrial, distribution, ecommerce, manufacturing, IT, recruitment, retail, this list is not exhaustive and other sectors can be

considered on an ad hoc basis.

$250,000 to $15.0 million of availability with maturities within 3 to 36 months. Loans

would likely be structured as receivables facilities and/or short-term loans collateralized by hard assets.

Revenue between $3 million and $100 million; EBITDA between $1 million and $5

million; However, turnaround situations are evaluated on a case by case basis.

Receivables, inventory, fixed assets and equipment with property as boot collateral. Coverage

ratio floor of 1.0x forced sale value of collateral.

Revolving facilities will be structured with a 120-day period with term loans up to 3 years.