TODD KESSELMAN - THE GROWTH BUSINESS EXPERT FINANCIAL ADVISOR PUTS HIS MONEY WHERE HIS HEART IS

Respected Financial Advisor's Inventory Capital Group Has Invested Millions In Helping Entrepreneurs Realize Their Business Dreams

FOR MEDIA CONSIDERATION:

Los Angeles – Ask any business owner and they’ll tell you: Growing a business is both exhilarating and exacerbating, fulfilling and frustrating. There never seems to be enough – hours in the day, money in the bank, personnel on the payroll. Yet, entrepreneurs persevere because they have a dream. Todd Kesselman helps entrepreneurs realize their dream.

For nearly two decades, the noted financial advisor has played a key role in helping grow scores of businesses throughout Southern California. A recognized expert in financial services, investment banking and venture capital, Kesselman has dedicated his career to serving the financial and business guidance needs of today's entrepreneurs.

And their needs are vast. Todd helps growth business owners contend with the seemingly infinite number of chicken and egg syndromes they face – from financing to regulation, from staffing to inventory. After years of serving entrepreneurs as a top consultant, Todd Kesselman has formed Inventory Capital Group (ICG) to provide real-world advice – and financing – to small and midsize growth companies. Now, growth business media expert Todd Kesselman is prepared to share his unique perspective and extensive experience in virtually every facet of taking companies to the next level.

To meet the financial needs of his ICG clients, Kesselman created an innovative proprietary financial assessment system called Business Process Financing . Representing a breakthrough approach to funding growth companies, Business Process Financing is an off-balance sheet alternative to equity when debt financing is not otherwise available. By focusing on the sale and purchase of inventory, Kesselman’s Business Process Financing funds businesses by purchasing inventory directly from manufacturers and holding the inventory under ICG's name. Agreements are customized for each ICG client to properly monitor and control key informational points. Kesselman combined everything he learned about human nature, businesses and finance to create Business Process Lending. The result: A radically different approach to business financing that is turning industry heads.

Kesselman’s singular financing approach comes from a combination of his extensive financial services background together with his own unique perspective on the true character of today’s entrepreneur. Through Business Process Financing, Kesselman has provided funds – and achieved impressive earnings – by financing companies most banks wouldn’t even go near.

Oftentimes businesses have not been around long enough to establish themselves, or did not have sufficient assets to justify an asset-based facility. Where these companies might not qualify for funding from traditional sources, Kesselman’s ICG has succeeded in providing them with required capital.

ICG clients pass a rigorous due diligence process that oftentimes results in Kesselman and ICG helping them ‘clean up’ key documents and business controls. In contrast to the traditional measures of credit quality, assets, liquidity or historical performance, ICG's Business Process Financing concentrates on making its determination based on whether the business process is sufficient to liquidate the inventory purchased by ICG.

ICG's Business Process Financing provides an attractive alternative over equity financing for clients that apply the ICG facility for funding high-margin growth opportunities. Client businesses appreciate the ICG short-term method as a way of avoiding paying an equity partner forever. Here’s a few examples:

ICG's client had a successful infomercial that was able to produce revenue, but the client had no working capital to purchase additional media or inventory. As a result, the client had to pull the infomercial off television and was very far behind with its vendors. ICG funded an initial order of $13,000 against a letter of credit posted by one of the client's international customers, then went on to purchase over $450,000 worth of product. Today, the client's outstanding is under $10,000.

ICG's client was a manufacturer of over-the-counter vitamins and throat lozenges that built a profitable business with one major customer and several small but consistent customers. The client's major customer decided to bring manufacturing in-house and canceled the contract leaving ICG's client badly extended on accounts payable and with excess raw materials inventory given its resulting sales level. ICG purchased the client's raw materials and resold them to the client over the next six months. The client paid ICG off in full when it received bank financing based on its then profitable operations.

ICG's client was an entrepreneur who owned several businesses and properties including a bowling alley, a retail Web site and a technology company. The client required approximately $3250,000 in funds to secure interest in a real estate transaction as well as to pave a parking lot at the bowling alley in advance of the busy summer season. ICG financed cash needs by purchasing all the assets of the online Web business that was generating approximately $5,000 per month in profit, and adding additional collateral in all of the client's other businesses, primary residence and personal property. The client also posted a letter of credit for approximately $225,000. The client is presently in the process of closing financing that will take ICG out.

From his extensive experience in finance, to his years as a senior executive in the corporate world, Kesselman’s unique background gives him a well-rounded perspective on the issues that confront today’s Entrepreneur.

Prior to forming ICG, Kesselman served as Chief Strategic Officer of One World Networks Integrated Technologies, Inc., a successful lifestyle company that is a recognized leader within the direct marketing industry. As the Chief Strategic Officer for OneWorldLive, he participated in the initial and subsequent capital raising and business plan formulation and helped grow the company to approximately $30 million in annual sales.

Throughout the 1990's, Kesselman was an Entrepreneur himself, founding and holding principal positions with several niche investment banking and consulting firms as well as investing in several transitional companies. Whether it was through rapid growth or restructure, Kesselman specialized in transactions that dramatically altered the companies with whom he worked. He also and helped pioneer several asset-based restructuring strategies using the tax code as a cleansing vehicle.

During the late 1980’s Kesselman gained much insight into the “underbelly” of business as a financial consultant to officers of the Court. Kesselman functioned as a fiduciary officer on behalf of Trustees and Receivers, responsible for the operation of many chapter 11 estates and receiverships and reported directly to the Court on issues of valuation and structure. This work provided Mr. Kesselman with a rare opportunity to see both the best and worst in business practices, and to gain a thorough understanding of how the law impacts almost every business. By observing which banks lost money on loans in Chapter 11 estates, Kesselman was able to establish the basis for his Business Process Financing model.

His career began in the early 1980's with First Interstate bank, serving as Vice President and Manager of First Interstate's $1.2 billion mortgage portfolio. During his tenure with First Interstate, Kesselman distinguished himself by solving complex banking objectives using sophisticated financial modeling techniques.

Among these achievements is a branch profitability system, a one of a kind computer model that predicted the profitability of bank branches based on a multiple of factors. The system became a staple tool for the bank’s successful growth planning.

Kesselman holds a BA in Economics and an MBA from Washington University, St. Louis, MO. He is also a Chartered Financial Analyst.

SSA Public Relations is pleased to represent the media relations for Todd Kesselman and Inventory Capital Group. For further information or for bookings, please contact SSA Public Relations' Los Angeles or New York offices.

CONTACT: SSA Public Relations

Los Angeles: Steve Syatt, Elliott Chang (818) 501-0700

New York: Blanche Frankel (212) 679-4750

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