American Prudential Capital, Inc.

According to third Quarter Earnings Reports, Wachovia has seen a 285.8% increase in non-performing assets. At the same time they have increased their loan loss provision from 108 million to 408 million.

During the same time Bank of America has seen an increase of 103.6% in non-performing assets with an increase of 74.2% in their loan loss provision.

Regions and Citigroup have posted similar figures. JP Morgan Chase’s increase in non-performing assets was up 50.7% and their loan loss provision went up 119.8%.

The numbers show both the actual situation and their view of the future. Banks are tightening up and they are in need of alternative sources of revenue. We ARE the answer. We can deliver.

At the very least, these banks will have assets that are under-performing and need to be moved from the bank. We can help.

This is a very good time to be calling regularly on every banker you know. The pressure to “clean up the portfolio” will be very strong in 2008.

Thanks for all you are doing and I look forward to a very exciting year for all of us.

American Prudential recently signed up a new client who is new in many ways. In business for less than 18 months, this client has done everything possible to get his business off and running. And after a year they have exhausted all of their available capital.

The equipment is all purchased, the staff is hired and trained and the orders are getting filled. Unfortunately, without additional capital only low margin orders can be filled because the larger deals require more materials and more materials cost more money.

At just the right moment, this budding company’s alert banker called in American Prudential Capital. Knowing that the bank could not approve a loan yet for this emerging business, the banker knew what to do in the interim. With American Prudential Capital involved, this well positioned company will be able not only to grow but to grow with the right kinds of orders.

Being able to order quantities of materials and to fill large orders enables this firm to respond to those higher margin deals with confidence. They know they will have the working capital necessary to fill and deliver all the new orders.

Sharp bankers who understand the complete life cycle of emerging businesses know that working with American Prudential Capital will help them help their clients. Together we build new small businesses for the community. Healthy small businesses create the majority of new jobs in any community. So, together we are building a better job market and a stronger economy.

Houston June 6, 2007 – It is always fun to talk about new business. We recently signed up a new client company in a business you may not think of as factoring, a tree farm. They are great folks, down to earth and honest. They came referred to us by one of our other tree farm clients. There is nothing like referrals from existing clients! We did not set out to be tree farm factoring specialists, but we sure enjoy being outstanding in our field!

All kidding aside, in our business it is always about character. And we have found that tree farms seem to attract folks of good character. So, if you are a tree farm owner looking for kindred spirits, look no farther. It is still planting season and folks all across the country are planting trees. Tree farms who sell to commercial growers, retailers and resellers can deliver more trees by digging up those accounts receivable and selling them to American Prudential.

By using their existing Accounts Receivable to provide the cash needed to deliver more product, a healthy tree farm can easily double its volume in one season alone. Traditional working capital is hard to come by for tree farmers and the seasonal nature of their need does not appeal to most financing sources.

But factoring to gain immediate cash flow and avoid long term debt easily allows the tree farmer to make the business pay for itself. So, no matter what the home building industry does the factoring tree farm will have no long term debt to service if the bottom falls out of the economy and the ripple reaches all the way to the farm.

Give us a call while there is still time to move inventory.

In the very near future you will be able to look here and sign up to receive two very important documents to help your business. One will be How To Improve Collections Today and the other will be Factoring Basics. So, check back soon to receive these excellent papers.