12/29/2006 Credentrust Software Introduces New Landing Page Program for All Investors

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Credentrust Software Introduces New Landing Page Program for All Investors



/PRZOOM - Newswire/ - Today, iBank.com, powered by Credentrust Software, has introduced its new landing page program for all investors. iBank.com helps its investors create their own personalized webpage.



Costa Mesa, CA, United States, 12/29/2006 – This program is targeted to those iBank users without their own personal web page. This new landing page will give these users a chance to be seen by potential small business borrowers and will help investors get their pertinent information out into the World Wide Web.

“This gives the smaller investors a chance to compete with the bigger firms for customers on the internet,” said Peter Gray, Senior Business Development Manager. “We’ve created an avenue for all investors to promote themselves to web-savvy entrepreneurs.”

These new landing pages will help investors by placing their name, address, phone numbers and mission statement on a contact page within iBank.com’s Advanced Capital Search Engine. Capital seeking businesses can review this information, which will give these investors access to more market-share over the internet. The investor won’t have to hassle with the cost of creating a full scale website and any problems or glitches will be handled by Credentrust Software and Globix, the hosting company. This landing page can be created at any time for a one time setup fee of $150 and a $5 a month hosting fee.

“Our Capital Center was launched in October and we want to help our investors and small business owners as much as possible,” said CEO and Chairman Tom Markel. “Creating web pages for our investors is one of the many services we provide for our incoming investors. We are here to help the small business owner succeed in today’s competitive marketplace, which means matching up investors willing to take a chance on small companies. Connecting the two through functional web pages is the answer.”

About iBank.com
Based in Costa Mesa, Calif., iBank.com, is America’s largest online small business Finance network. The network helps small businesses collect and store all business information inside a secure online VAULT; it helps create a digital loan package, and insurance and investor application packages. Formed in 1999, iBank.com utilizes advanced search engine technology, and numerous other online tools for communication and connecting in real time with a nationwide network of loans, insurance and capital sources for a faster, easier, and lower cost experience.

12/28/2006 Capital, venture and angel investors have free reign with small business leads found at iBank.com

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Capital, venture and angel investors have free reign with small business leads found at iBank.com

HUNDREDS OF UNTAPPED INVESTOR LEADS FOUND AT iBANK.COM

COSTA MESA, CALIF. (Dec. 28 2006) - www.iBank.com, Thousands of small business owners have registered at iBank.com’s Capital Center to find venture, angel, and private investors for their company. Since the Capital Center’s inception in early October 2006, registrations have increased 100% per month. Investors have a variety of businesses to choose from which will match their specific guidelines.
“The number of businesses coming to iBank’s Capital Center to find investments is beyond what we ever imagined,” said Peter Gray, Credentrust Software Senior Business Development Manager. “This is a wonderful opportunity for all types of investors to join our network, and connect with investment prospects from all over the world in our real-time web-based system.”
Pooling all the resources of iBank.com’s Capital Center, investors have the opportunity to eliminate wasted time in the funding process by using better prescreening techniques. In today’s marketplace, businesses have to connect quickly with financing, so they can concentrate on growing or improving their business.
With iBank.com’s proprietary online secure vault, a business can create, upload and store their entire business file cabinet of information online. The business then chooses
-more-

he application type within the vault, data from the vault will pre-fill all the necessary information needed to build a professional Digital Investment Package (DIP). The interested investors can then log on to the applicants vault and review the materials.
This process is simple and makes choosing the right small business effortless for the investors.

About iBank.com

Based in Costa Mesa, Calif., www.iBank.com, is America’s largest online small business Finance network. The network helps small businesses collect and store all business information inside a secure online VAULT; it helps create a digital loan package, and insurance and investor application packages. Formed in 1999, www.iBank.com utilizes advanced search engine technology, and numerous other online tools for communication and connecting in real time with a nationwide network of loans, insurance and capital sources for a faster, easier, and lower cost experience.

iBank.com
Kathryn Johnson,
Co-Directors of Communication Technology
(714) 549-4226 ex: 125/127
kjohnson@ibank.com
3151 Airway, Building G-3
Costa Mesa, CA 92626

12/28/2006 iBank.com's new Capital Center can fulfill your dreams by matching small businesses with investors looking for just the right venture. iBan

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iBank.com's new Capital Center can fulfill your dreams by matching small businesses with investors looking for just the right venture. iBank.com is the online financial and resource network dedicated to finding and matching small businesses with funding sources.

ANGEL INVESTORS SEE INVESTMENT OPPORTUNITIES WITH iBANK.COM

COSTA MESA, CALIF. (Dec. 28 2006) - www.iBank.com, America's #1 online commercial small business finance network, is excited and proud to announce the newly launched Capital Center. Small businesses can find the angel investors needed to start up or expand their business in today's competitive marketplace. "Launching the Capital Center is a great accomplishment for iBank.com and Credentrust Software," said CEO Tom Markel. "After months of hard work and dedication, our incredible IT team created the Capital Center, which will give investors and small businesses the opportunity to connect and work together to build a better America." Pooling all the resources of iBank.com's Capital Center, venture, business and angel investors have the opportunity to connect and screen potential businesses to help them meet their financial responsibilities for the future. This process eliminates hassles and meetings which leads to faster funding times. In today's marketplace, businesses have to connect quickly with financing, so they can concentrate on growing or improving their business. Small businesses lack exposure and access to capital or angel investors, iBank.com is here to help. With iBank.com's proprietary online secure vault, a business can create, upload and store their entire business file cabinet of information online. The business then chooses -more- the application type within the vault that they wish to use; data from the vault will pre-fill all the necessary information and build a professional Digital Investment Package (DIP). Click submit, and hundreds of prequalified investors nationwide are notified instantly. The interested investors can then log on to the applicants vault and review the materials. The vault is easy to use, and is self guided which gives the business a step by step guide to build a professional DIP which eliminates paper, fax, and postage. The investor will have access to complete business proposals which will make decisions easier and faster, which benefits both small business owner and investor. "iBank's mission is to connect businesses with potential financial backers keeping in mind the utmost regard for customer satisfaction, " said Ron Blake, Senior Business Development Manager - Partners. "This is the next expansion phase for iBank.com, which puts the future and prosperity of small businesses in lockstep with our nation."



About iBank.com
Based in Costa Mesa, Calif., www.iBank.com, is America’s largest online small business financial network. The network helps small businesses collect and store all of their business information inside a secure online VAULT; and helps create a digital loan, insurance and investment application package. Formed in 1999, www.iBank.com utilizes advanced search engine technology, and numerous other online tools for communication and connecting in real time with a nationwide network of loans, insurance and capital sources for a faster, easier, and lower cost experience.

iBank.com
Kathryn Johnson,
Co-Directors of Communication Technology
(714) 549-4226 ex: 125/127
kjohnson@ibank.com
3151 Airway, Building G-3
Costa Mesa, CA 92626

12/26/2006 Commercial Direct Seamlessly Connects to Small Business Owners

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Commercial Direct Seamlessly Connects to Small Business Owners

Commercial Direct teams with Credentrust Software to help small business owners get fast funding

Commercial Direct®, one of the nation’s leading commercial lenders and a subsidiary of Bayview Financial L.P., has signed a contract with Credentrust Software Inc., which will develop a system that will enable Commercial Direct® to seamlessly connect small business owners with this commercial mortgage based company.

This HTTP request will allow Commercial Direct® to securely pass data to the Commercial Direct CRM system through the Commercial Direct API,” said Brooke Kline, director of Credentrust’s IT department and one of the chief architects of the system. Commercial Direct Representatives can now interact with Credentrust customers instantly, allowing the highest level of customer service possible.”

Kline expects the upgrade will have an immediate and long-lasting impact on the company’s work flow. Kline points to the system’s seamless integration, which is based upon commercial direct lending criteria. When the system is in place, a seamless integration of new commercial mortgage prospects from Credentrust’s search engine to Commercial Directs' CRM systems will maximize and support the mission of both companies, which is to simplify, streamline and standardize the commercial lending marketplace. But, and maybe more importantly, this system will dynamically filter new customers in real time.

Commercial Direct® is dedicated to meeting the requirements of small business owners and real estate investors with financing needs ranging from $100,000 to $4 million. The company makes the process easy and familiar to the borrowers, especially now with the new software from Credentrust. Commercial Direct® focuses only on commercial mortgage lending therefore allowing them an in depth knowledge of the small business financial mortgage needs. Their six core business units are loan acquisitions, commercial loan originations, structured finance division, 1031 exchange services, real estate investment division and the Bayview Loan Servicing, LLC.

Commercial Direct® headquartered in Miami, Florida has 1,600 employees and $10.5 billion in assets.

“Today, the owner/buyers of commercial real estate that need a mortgage under a million, is an inefficient, time consuming and costly process for all the parties,” said Tom Markel, chairman and CEO of Credentrust Software. “Borrower and lender are now connected to each other instantly in real time. No paper, no faxes or postage which will result in faster funding, lower costs and reduced waste. Everyone wins.” Markel expects a long-lasting relationship with Commercial Direct® and thinks this system is the future of how loans will be processed.

12/26/2006 Small Business Owners Enthusiastically Respond to Online Paperless Applications

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Small Business Owners Enthusiastically Respond to Online Paperless Applications

Two months of increased presence on the web, proves that iBank.com’s network of lenders, bankers, brokers, insurance agents and investors are resonating with small business owners

iBank.com has seen a 23% increase of online loan applications from September to October of this year. Online insurance applications are also up 38% from September to October 2006. iBank.com’s increased web presence has proven beneficial for small business owners looking for loans, investors and insurance for their business. This added increase of paperless online applications is a big win for all of iBank.com’s partners, lenders, bankers, brokers, agents and investors; but most importantly for the small business owners.

“I am so exited to see iBank.com reaching those numbers,” said Tom Markel, CEO of Credentrust Software, Inc., the company that powers iBank.com. “Those numbers prove that small business owners nationwide are becoming aware of the benefits available at iBank.com. Our job is to connect the small business owner to the appropriate funding source with just one simple application.”

The winning formula for iBank.com is the special search engine dedicated to finding small business owners the funding and financial resources, such as loans, capital and insurance, they need to increase or start their business. Since its inception in 1999, iBank.com has revolutionized the commercial finance marketplace and has provided small business owners with a simplified, streamlined and seamless way to do business online using a fast paperless application. iBank.com has attracted some of the nation’s largest banks as well as community banks, private investors, brokers, credit unions and insurance agents. This state of the art technology gives the small business owner the opportunity to go to the website, fill out a short prequalification form and wait for responses from a large network of lenders, investors and agents. The advantages for the business owner are many, but the biggest advantage is the convenience of applying for a loan or insurance, anytime anywhere, and not having to repeat the process over and over again. Once the application is complete, iBank.com goes to work finding the appropriate funding source to accommodate the particular needs of the business.

"I thought I would just let you know that Regina Lukens, Senior Customer Support, did an excellent job of helping me process my loan request through I-Bank,” said Kevin Nauta, Territory Director, www.topsinamerica.com. “She also has a superior gift of making the procedure easy and relaxed. Customer service is a hard thing to find these days and you have a gem."

In just a few minutes, small businesses can create an application and instantly connect with all qualified lenders, brokers, bankers, insurance agents or investors, depending on their needs. The mission at iBank.com is to be a one stop resource center for all the financial needs of the small business. It has become an innovator of online finance solutions for the small business.

12/26/2006 Companies Vary In Their Donation Preferences This Holiday Season

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Companies Vary In Their Donation Preferences This Holiday Season

Companies giving back this holiday season use different strategies to boost employee moral and PR.

Tis the season to be jolly and generous as the holiday season fills the air with joy and good will towards mankind. Companies far and wide dig deep into their pockets this time of year in order to contribute a little extra to their community and the better good of society as a whole.

Many companies donate cash, others who cannot afford to give cash, donate in many other ways. Businesses of all types have several options, from donating company services, inventory, to allotting company time for employees to volunteer. Donating not only benefits the recipient of the donation and the charity, but also the donator. Thanks to federal tax laws, businesses now reap benefits from donating. Businesses not only receive a nice tax return, but increase their PR initiative at the same time. Giving back to society allows companies to build a positive public image and motivate employee moral.

Fortune 500 companies can afford to shell out hard cash for the holiday season, but other companies choose to go a different route. A popular choice for many companies is the donation of inventory to charitable organizations. The federal government encourages businesses to donate inventory allowing them to have tax deduction when tax season comes around. The company in doing so reduces its federal income tax.

Companies like iBank.com have taken the initiative to encourage employees to donate to a good cause. iBank.com’s employees were invited to attend The Second Harvest Food Bank Orange County “no lunch lunch” organized by the Society of St. Vincent De Paul. During this “no lunch lunch”, participants were fed what is called “the poor mans lunch” which consisted of soup, bread and wine. At the event, employees were asked to donate any amount they could. Of the donations, 96.4% was allocated to the food bank to use to purchase food and supplies for the less fortunate. This participation does not yield tax return benefits, but builds camaraderie and goodwill amongst employees.

Other suggestions to give back this holiday season:

Encourage employees to donate by matching employee contributions.
Allocate company time for employees to volunteer for a charitable organization.
Company fundraisers.
Provide company service to charity.
Provide charitable organization with excess inventory.
Adopt a charity or individuals to sponsor by the entire company.
Sponsor food drives.
Invite blood mobiles to work site.

12/26/2006 Internet Company Eyes Big Business in Small Business Finance Network For 2007

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Internet Company Eyes Big Business in Small Business Finance Network For 2007


iBank.com sees sales skyrocket in 2006. The company expects 2007 to exceed all goals and expectations.


iBank.com powered by Credentrust Software, heads into 2007 with increased sales, revenues and media exposure. The company, started by Tom Markel in 1999, has seen continuous growth every year since its inception. iBank.com, America’s largest commercial finance network, has three distinct centers; the Finance Center, Insurance Center and the newest one, which is the Capital Center.

“Coming from a family history steeped in small business ownership, it’s wonderful to see iBank.com expand into a thriving, growing business where our beliefs and ideals are the cornerstone of Credentrust Software,” said Markel, CEO of Credentrust Software. “We see the Internet offering small businesses real-time connectivity to a network of lenders, insurers and investors globally”.”

The growth of ibank.com has been phenomenal. Using over 10,000 keywords on the major search engines, providing the online platform to other web sites and extensive media coverage has grown ibank.com from 200 small businesses seeking loans in January 2004 to over 85,000 in October 2006. Loan posting needs by small businesses have grown 373% in 2006, and the advance lender search engine is up almost 6000% since its inception in 2005. These incredible numbers represent just the commercial mortgage numbers. On the insurance side, launched in April 2006, the center has seen tremendous monthly growth. The new small business insurance center is up 193% since earlier in 2006, while the Capital Center postings have experienced growth of a staggering 934 applications in six weeks.

“After years of trial and error we have finally found an online company that is doing loan finance processing right,” said Gary H., President of Creative Capital Associates, Inc. “iBank has built a robust behind the scenes solution that allows lenders to fully customize their loan criteria. From our perspective it provides an easy to use interface with prospective borrowers and expedites their requests for financing."


With iBank.com’s proprietary online secure vault, a business can create, upload and store their entire business file cabinet of information online. The business then chooses the application type within the vault, data from the vault will pre-fill all the necessary information needed to build a professional Digital Investment Package (DIP), then click submit, and hundreds of prequalified lenders, brokers, banks, insurance agents and investors nationwide are notified instantly. The interested parties can then log on to the applicants vault and review the materials. The vault is easy to use, and is self guided which gives the business a step by step guide to build a DIP and eliminates paper, fax, and postage. The business can access their DIP anytime, anywhere and then seamlessly connect for reviewing financial or investment proposals.

The future of iBank.com and Credentrust Software is limitless. The numbers shown prove that small business owners visit and use the services provided by iBank.com, which results in increases of small business loans, commercial mortgage loans, increased insurance products and equipment leasing loans and investments. Higher yearly numbers are good for small businesses, companies that service the small business, but most importantly, it means a thriving American economy.

12/26/2006 iBank Announces a Faster Easier Way for Lenders and Insurers to View Deal Flow in Real Time with the New iBank Reader

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iBank Announces a Faster Easier Way for Lenders and Insurers to View Deal Flow in Real Time with the New iBank Reader

iBank has just released Version 2.0 of its Network FinanceSuite which is available now for download!

iBank.com powered by Credentrust Software, is proud to announce a time saving enhancement, which speeds up the delivery of prospects to its lender and insurance network. iBank.com continues to engineer ways to improve the overall user experience between the small business and the network. These enhancements include a Standard iBank Reader, a version which automatically reads all the deals in the lenders Vault every 3 hours, and a Preferred iBank Reader version which will read new leads in real time instead of every three hours. The reader will display the deal flow right on the desktop, PDA or Blackberry. The Standard and Preferred iBank Reader will virtually eliminate the need to review emails from iBank.com—a first in the industry!

“No longer do lenders need to look at numerous emails daily to view their new leads,” said Tom Markel, Chairman and CEO of Credentrust Software. “The Standard iBank Reader version will read the leads in their Vault every 3 hours and show them directly on their desktop or phone. The Preferred iBank Reader will read this same information in real time. This is such a great enhancement for our network of lenders and agents, which will make their lives so much easier and more efficient. This will give real time connectivity to our small businesses.”

The Preferred iBank Reader version will read the new leads in the Vault in real-time verses every 3 hours. iBank.com has learned over the past several years that the first two or three network members to contact the prospective small business customers are the most successful in closing deals. To get the Preferred iBank Reader the lender must choose the auto campaign feature in their campaigns.

The iBank readers are just another example of how iBank is constantly improving the user experience while enhancing the lenders ability to increase deal flow. Providing lenders and agents with this powerful tool and support will help them make smart, timely decisions on leads—from the iBank innovation and customer service team.

Lenders and insurers can begin using either the Standard or Preferred iBank Reader staring on Dec 1, 2006. On January 1, 2007 the new Standard iBank Reader version enhancement monthly hosting and access fee will be $49.95 per month and the Preferred iBank Reader version enhancement monthly hosting and access will be $59.95 per month. If you have any questions, please contact Customer Support at 877-999-6465, ext 120.

12/26/2006 How to Finance your Commercial Real Estate: Investment in Today’s Market

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How to Finance your Commercial Real Estate: Investment in Today’s Market

Over the past few years, United States homeowners have enjoyed easier access to mortgage capital than ever before. As the mortgage banking industry has become increasingly more comfortable with consumer credit risk, residential mortgage lenders have been able to offer an abundance of innovative loan products, including high Loan-To-Value, Interest Only, Option ARM, alternative doc, and sub-prime loans.

But while the residential mortgage industry has trended toward easier and more attractive credit products, the commercial property investors have found it increasingly more difficult to qualify for a mortgage.

Why the incongruence? First and foremost is the very nature of the primary institutions that provide commercial mortgage loans —commercial banks. Historically seen as the source of credit for commercial real estate investors, commercial banks tend to be rather conservative, risk averse institutions. And, since they are highly regulated by government agencies, banks are not afforded the luxury of adopting the flexible underwriting standards prevalent in residential lending. The result is that high LTV, interest only, and sub-prime products are generally not found in the commercial banking industry. This is where online lending networks come in as viable sources to find and secure funding for commercial mortgages. Finding lender sources using just one application, which is stored in a secured online vault, makes the entire application process easier and more efficient.

In addition, commercial banks have had difficulty adapting lending programs to the red hot real estate market. In today’s market, where investors are purchasing rental properties at historically low rates of return in hopes of property or rent appreciation, it is increasingly less likely for a property to generate enough cash flow to sufficiently cover the mortgage payment. The problem for commercial banks is that when assessing whether or not to make a loan, they will focus only on the cash flow of the property itself, rather than the financial strength of the individual who owns the property. Most banks require the net rental income, generated by a property, to exceed the mortgage expense by more than 20%. If this condition cannot be met, the bank is forced to either turn down the loan or lower the loan amount to an unacceptable threshold.

This can be extremely frustrating for investors who can demonstrate good credit, a high net worth, and/or a steady income stream from other sources. They may wonder – and rightly so - why qualifying for their residential loan was such a breeze, yet they are declined by a bank for a commercial mortgage.

The solution for commercial real estate investors who do not meet the bank’s strenuous conditions is to find alternative, non-bank commercial lenders who take a more pragmatic approach to qualifying borrowers. Locating such lenders is made easier by using online financial networks such as iBank.com, where Bayview Financial, LP is a top commercial lending institution partnered with the network.

In recent years, alternative, non-bank commercial lenders such as Bayview Financial, LP have emerged as industry leaders. Bayview Financial’s Commercial Direct mortgage program considers the credit strength of the property owner, instead of simply analyzing the cash flow of the property in isolation. In addition, lenders such as Bayview offer borrower’s attractive loan terms not found at traditional banks, including 90% LTV, Interest Only loans, 30 year terms, and no balloon requirements. The result is a commercial mortgage product that feels just like a home loan—something commercial borrowers have sought for a long time.

12/26/2006 Welcome to the Inaugural Issue of iBank.com/Credentrust Software Monthly Newsletter

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Welcome to the Inaugural Issue of iBank.com/Credentrust Software Monthly Newsletter

Welcome friends, family, partners and clients to our first ever iBank.com & Credentrust Software company newsletter. We are very excited about the changes and advancements that have occurred in 2006 and we anxiously await what lays ahead in 2007. Because we are continually growing of 40% from month to month we have had many new people join company in 2006. The addition of the Communications Technology department has brought increased exposure of our product, online and within the print media that have driven sales up tremendously. Creating this newsletter is the work of the Comm. Tech team, and with their hard work and dedication; we feel it will benefit everyone.

In this issue we will be highlighting the past accomplishments of the iBank team and also introducing the new members to the Credentrust family. We will also be discussing the exciting innovations that were created by our outstanding IT department and what was accomplished this past year.

There will be nine sections to our newsletter; Insurance Center, Loan Center, Capital Center, Partners, Brokers, Lenders, Employee’s, In this Issue and our very own Ask the Experts section, for answers to puzzling questions. In future issues we will be asking for information and updates from our members about what is happening in their world that would benefit our core audience of small business owners. If your company would like to participate in our finance industry endeavor, please contact Kathryn Johnson at kjohnson@credentrust.com or Manar Sleiman at msleiman@credentrust.com.

We hope everyone has a wonderful Holiday Season and we look forward to informing and educating our friends, family, partners and clients for many years to come. Happy Holidays and a prosperous New Year.

Sincerely,

Your family at Credentrust Software/iBank.com

---

TELL US YOUR HEARTWARMING FINANCIAL STORY

Has your life been changed by the loan or experience with iBAnk.com? Were you wondering what you were going to do if you couldn’t find funding for your small business? Let us know about your experiences with iBank.com or any of its partners, lenders, brokers, banks, insurance agents or investors. In our new monthly newsletter there will be a section dedicated to you the borrower and your personal story. If you have a story to tell, please contact us, Kathryn Johnson at kjohnson@credentrust.com or 714-549-4226 x 127 or Manar Sleiman at msleiman@credentrust.com or 714-549-4226 x 125.

Give us a brief description about your experience and any contact information so we can get in touch with you and maybe include you in our newsletter.

Merry Christmas and Happy New Year

12/22/2006 Commercial Direct® teams with Credentrust Software to help small business owners get fast funding

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Commercial Direct® teams with Credentrust Software to help small business owners get fast funding

COMMERCIAL DIRECT SEAMLESSLY CONNECTS TO SMALL BUSINESS OWNERS

COSTA MESA, CALIF. (Dec. 22 2006) - www.iBank.com, Commercial Direct®, one of the nation’s leading commercial lenders and a subsidiary of Bayview Financial L.P., has signed a contract with Credentrust Software Inc., which will develop a system that will enable Commercial Direct® to seamlessly connect small business owners with this commercial mortgage based company.
“This HTTP request will allow Commercial Direct® to securely pass data to the Commercial Direct CRM system through the Commercial Direct API,” said Brooke Kline, director of Credentrust’s IT department and one of the chief architects of the system. Commercial Direct Representatives can now interact with Credentrust customers instantly, allowing the highest level of customer service possible.”
Kline expects the upgrade will have an immediate and long-lasting impact on the company’s work flow. Kline points to the system’s seamless integration, which is based upon commercial direct lending criteria. When the system is in place, a seamless integration of new commercial mortgage prospects from Credentrust’s search engine to Commercial Directs' CRM systems will maximize and support the mission of both companies, which is to simplify, streamline and standardize the commercial lending marketplace. But, and maybe more importantly, this system will dynamically filter new customers in real time.
Commercial Direct® is dedicated to meeting the requirements of small business owners and real estate investors with financing needs ranging from $100,000 to $4 million. The company makes the process easy and familiar to the borrowers, especially now with the new software from Credentrust. Commercial Direct® focuses only on commercial mortgage lending therefore allowing them an in depth knowledge of the small business financial mortgage needs. Their six core business units are loan acquisitions, commercial loan originations, structured finance division, 1031 exchange services, real estate investment division and the Bayview Loan Servicing, LLC.

Commercial Direct® headquartered in Miami, Florida has 1,600 employees and $10.5 billion in assets.
“Today, the owner/buyers of commercial real estate that need a mortgage under a million, is an inefficient, time consuming and costly process for all the parties,” said Tom Markel, chairman and CEO of Credentrust Software. “Borrower and lender are now connected to each other instantly in real time. No paper, no faxes or postage which will result in faster funding, lower costs and reduced waste. Everyone wins.” Markel expects a long-lasting relationship with Commercial Direct® and thinks this system is the future of how loans will be processed.

About iBank.com

Based in Costa Mesa, Calif., www.iBank.com, America’s largest online small business lending engine, has become a commercial marketplace for businesses seeking venture capital and angel investors, small business loans, equipment leasing, business insurance and commercial mortgage loans in real time. Formed in 1999, www.iBank.com utilizes an advanced search engine technology, a do-it-yourself professional online digital loan package builder, and numerous other online tools for communication and connection. The whole process, when compared to manually preparing separate loan packages and finding the right lenders, eliminates about two-thirds of the time and cuts 90% of the cost involved.

Commercial Direct®/ Bayview Financial®

Dedicated to Real Estate Lending and Investment
As a member of the Bayview Financial, L.P. family, Commercial Direct® is comprised of, and surrounded by, a host of experts in the field of real estate lending and investment.
Headquartered in Miami, Florida, Bayview Financial® has more than 2,000 employees and $11 billion in assets. It is the second largest financial institution headquartered in the state of Florida. Bayview is owned by management and the Allstate Insurance Company.
Specializing in meeting the needs of clients in underserved market niches, Bayview acts as a value-added resource for every phase of the real estate loan cycle -- from origination to investment to acquisition.
As a subsidiary of Bayview Financial, L.P., Commercial Direct® offers a direct-to-borrower commercial mortgage origination program.
Commercial Direct® is exclusively dedicated to meeting the requirements of small business owners and real estate investors with financing needs ranging from $100,000 to $2 million. In this unique market, Commercial Direct® extends Bayview's portfolio of loan offerings directly to borrowers throughout the country.

iBank.com
Kathryn Johnson,
Co-Directors of Communication Technology
(714) 549-4226 ex: 125/127
kjohnson@ibank.com
3151 Airway, Building G-3
Costa Mesa, CA 92626

12/15/2006 iBank.com Launches iBank Reader FinanceSuite

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iBank.com Launches iBank Reader FinanceSuite



/PRZOOM - Newswire/ - iBank has just released Version 2.0 of its Network FinanceSuite which is available now for download.



Costa Mesa, CA, United States, 12/15/2006 – Today, iBank.com powered by Credentrust Software, is proud to announce a time saving enhancement, which speeds up the delivery of prospects to it lender, insurance and capital network. iBank continues to engineer ways to improve the overall user experience between the small business and the network. These enhancements include a Standard iBank Reader, a version which automatically reads all the deals in the lenders Vault every 3 hours, and a Preferred iBank Reader version which will read new leads in real time instead of every three hours. The reader will display the deal flow right on the desktop or PDA. The Standard and Preferred iBank Reader will virtually eliminate the need to review emails from iBank.com—a first in the industry!

“No longer do lenders need to look at numerous emails daily to view their new leads,” said Tom Markel, Chairman and CEO of Credentrust Software. “The Standard iBank Reader version will read the leads in their Vault every 3 hours and show them directly on their desktop or phone. The Preferred iBank Reader will read this same information in real time. This is such a great enhancement for our network of lenders, which will make their lives so much easier and more efficient. This will give real time connectivity to our small businesses.”

The Preferred iBank Reader version will read the new leads in the Vault in real-time verses every 3 hours. iBank.com has learned over the past several years that the first two or three network members to contact the prospective small business customers are the most successful in closing deals. To get the Preferred iBank Reader the lender must choose the auto campaign feature in their campaigns.

The iBank readers are just another example of how iBank is constantly improving the user experience while enhancing the lenders ability to increase deal flow. By providing lenders with the powerful tools and support to make smart, timely decisions on leads—from the iBank innovation and customer service team.

Lenders, insurers and investors can begin using either the Standard or Preferred iBank Reader staring on Dec 1, 2006. On January 1, 2007 the new Standard iBank Reader version enhancement monthly hosting and access fee will be $49.95 per month and the Preferred iBank Reader version enhancement monthly hosting and access will be $59.95 per month. If you have any questions, please contact Customer Support at 877-999-6465, ext 120.

About iBank.com
Based in Costa Mesa, Calif., iBank.com, is America’s largest online small business Finance network. The network helps small businesses collect and store all business information inside a secure online VAULT; it helps create a digital loan package, and insurance and investor application packages. Formed in 1999, iBank.com utilizes advanced search engine technology, and numerous other online tools for communication and connecting in real time with a nationwide network of loans, insurance and capital sources for a faster, easier, and lower cost experience.

12/15/2006 iBank.com helps its investors create their own personalized webpage

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iBank.com helps its investors create their own personalized webpage

ANOTHER INNOVATION FROM iBANK.COM THAT MAKES INVESTORS MORE ACCESSIBLE TO THEIR TARGET AUDIENCE

COSTA MESA, CALIF. (Dec. 15 2006) - www.iBank.com, Today, iBank.com, powered by Credentrust Software, has introduced its new landing page program for all investors. This program is targeted to those iBank users without their own personal web page. This new landing page will give these users a chance to be seen by potential small business borrowers and will help investors get their pertinent information out into the World Wide Web.

“This gives the smaller investors a chance to compete with the bigger firms for customers on the internet,” said Peter Gray, Senior Business Development Manager. “We’ve created an avenue for all investors to promote themselves to web-savvy entrepreneurs.”

These new landing pages will help investors by placing their name, address, phone numbers and mission statement on a contact page within iBank.com’s Advanced Capital Search Engine. Capital seeking businesses can review this information, which will give these investors access to more market-share over the internet. The investor won’t have to hassle with the cost of creating a full scale website and any problems or glitches will be handled by Credentrust Software and Globix, the hosting company. This landing page can be created at any time for a one time setup fee of $150 and a $5 a month hosting fee.

“Our Capital Center was launched in October and we want to help our investors and small business owners as much as possible,” said CEO and Chairman Tom Markel. “Creating web pages for our investors is one of the many services we provide for our incoming investors. We are here to help the small business owner succeed in today’s competitive marketplace, which means matching up investors willing to take a chance on small companies. Connecting the two through functional web pages is the answer.”
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About iBank.com
Based in Costa Mesa, Calif., www.iBank.com, is America’s largest online small business Finance network. The network helps small businesses collect and store all business information inside a secure online VAULT; it helps create a digital loan package, and insurance and investor application packages. Formed in 1999, www.iBank.com utilizes advanced search engine technology, and numerous other online tools for communication and connecting in real time with a nationwide network of loans, insurance and capital sources for a faster, easier, and lower cost experience.

iBank.com
Kathryn Johnson,
Co-Directors of Communication Technology
(714) 549-4226 ex: 125/127
kjohnson@ibank.com
3151 Airway, Building G-3
Costa Mesa, CA 92626

12/12/2006 iBank has just released Version 2.0 of iBank has just released Version 2.0 of its Network FinanceSuite which is available now for download!

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iBank has just released Version 2.0 of its Network FinanceSuite which is available now for download!

iBANK ANNOUNCES A FASTER EASIER WAY FOR LENDERS AND INSURERS TO VIEW DEAL FLOW IN REAL TIME WITH THE NEW iBANK READER

COSTA MESA, CALIF. (Dec. 12 2006) - www.iBank.com, iBank.com, Today, iBank.com powered by Credentrust Software, is proud to announce a time saving enhancement, which speeds up the delivery of prospects to its lender and insurance network. iBank.com continues to engineer ways to improve the overall user experience between the small business and the network. These enhancements include a Standard iBank Reader, a version which automatically reads all the deals in the lenders Vault every 3 hours, and a Preferred iBank Reader version which will read new leads in real time instead of every three hours. The reader will display the deal flow right on the desktop, PDA or Blackberry. The Standard and Preferred iBank Reader will virtually eliminate the need to review emails from iBank.com—a first in the industry!
“No longer do lenders need to look at numerous emails daily to view their new leads,” said Tom Markel, Chairman and CEO of Credentrust Software. “The Standard iBank Reader version will read the leads in their Vault every 3 hours and show them directly on their desktop or phone. The Preferred iBank Reader will read this same information in real time. This is such a great enhancement for our network of lenders and agents, which

will make their lives so much easier and more efficient. This will give real time connectivity to our small businesses.”
The Preferred iBank Reader version will read the new leads in the Vault in real-time verses every 3 hours. iBank.com has learned over the past several years that the first two or three network members to contact the prospective small business customers are the most successful in closing deals. To get the Preferred iBank Reader the lender must choose the auto campaign feature in their campaigns.
The iBank readers are just another example of how iBank is constantly improving the user experience while enhancing the lenders ability to increase deal flow. Providing lenders and agents with this powerful tool and support will help them make smart, timely decisions on leads—from the iBank innovation and customer service team.
Lenders and insurers can begin using either the Standard or Preferred iBank Reader staring on Dec 1, 2006. On January 1, 2007 the new Standard iBank Reader version enhancement monthly hosting and access fee will be $49.95 per month and the Preferred iBank Reader version enhancement monthly hosting and access will be $59.95 per month. If you have any questions, please contact Customer Support at 877-999-6465, ext 120



About iBank.com
Based in Costa Mesa, Calif., www.iBank.com, is America’s largest online small business Finance network. The network helps small businesses collect and store all business information inside a secure online VAULT; it helps create a digital loan package, and insurance and investor application packages. Formed in 1999, www.iBank.com utilizes advanced search engine technology, and numerous other online tools for communication and connecting in real time with a nationwide network of loans, insurance and capital sources for a faster, easier, and lower cost experience.

iBank.com
Kathryn Johnson,
Co-Directors of Communication Technology
(714) 549-4226 ex: 125/127
kjohnson@ibank.com
3151 Airway, Building G-3
Costa Mesa, CA 92626

12/12/2006 iBank.com sees sales skyrocket in 2006. The company expects 2007 to exceed all goals and expectations.

Go to iBank Now

iBank.com sees sales skyrocket in 2006. The company expects 2007 to exceed all goals and expectations.

INTERNET COMPANY EYES BIG BUSINESS IN SMALL BUSINESS FINANCE NETWORK FOR 2007

COSTA MESA, CALIF. (Dec. 12 2006) - www.iBank.com, iBank.com powered by Credentrust Software, heads into 2007 with increased sales, revenues and media exposure. The company, started by Tom Markel in 1999, has seen continuous growth every year since its inception. iBank.com, America’s largest commercial finance network, has three distinct centers; the Finance Center, Insurance Center and the newest one, which is the Capital Center.
“Coming from a family history steeped in small business ownership, it’s wonderful to see iBank.com expand into a thriving, growing business where our beliefs and ideals are the cornerstone of Credentrust Software,” said Markel, CEO of Credentrust Software. “We see the Internet offering small businesses real-time connectivity to a network of lenders, insurers and investors globally”.”
The growth of ibank.com has been phenomenal. Using over 10,000 keywords on the major search engines, providing the online platform to other web sites and extensive media coverage has grown ibank.com from 200 small businesses seeking loans in January 2004 to over 85,000 in October 2006. Loan posting needs by small businesses have grown 373% in 2006, and the advance lender search engine is up almost 6000% since its inception in 2005. These incredible numbers represent just the commercial mortgage numbers. On the insurance side, launched in April 2006, the center has seen tremendous monthly growth. The new small business insurance center is up 193% since earlier in 2006, while the Capital Center postings have experienced growth of a staggering 934 applications in six weeks.
"I've been working with Erik Hamilton at iBank.com for the past 2 years and this $32 million loan is the largest loan I've closed from iBank.com,” said Richard Chinje from Destiny Capital Corporation. “Needless to say I'm thrilled with the results from my experiences. I want to thank Erik for his help and support during the past two years."
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With iBank.com’s proprietary online secure vault, a business can create, upload and store their entire business file cabinet of information online. The business then chooses the application type within the vault, data from the vault will pre-fill all the necessary information needed to build a professional Digital Investment Package (DIP), then click submit, and hundreds of prequalified lenders, brokers, banks, insurance agents and investors nationwide are notified instantly. The interested parties can then log on to the applicants vault and review the materials. The vault is easy to use, and is self guided which gives the business a step by step guide to build a DIP and eliminates paper, fax,
and postage. The business can access their DIP anytime, anywhere and then seamlessly connect for reviewing financial or investment proposals.
The future of iBank.com and Credentrust Software is limitless. The numbers shown prove that small business owners visit and use the services provided by iBank.com, which results in increases of small business loans, commercial mortgage loans, increased insurance products and equipment leasing loans and investments. Higher yearly numbers are good for small businesses, companies that service the small business, but most importantly, it means a thriving American economy.
“After years of trial and error we have finally found an online company that is doing loan finance processing right,” said Gary H., President of Creative Capital Associates, Inc. “iBank has built a robust behind the scenes solution that allows lenders to fully customize their loan criteria. From our perspective it provides an easy to use interface with prospective borrowers and expedites their requests for financing."



About iBank.com
Based in Costa Mesa, Calif., www.iBank.com, is America’s largest online small business Finance network. The network helps small businesses collect and store all business information inside a secure online VAULT; it helps create a digital loan package, and insurance and investor application packages. Formed in 1999, www.iBank.com utilizes advanced search engine technology, and numerous other online tools for communication and connecting in real time with a nationwide network of loans, insurance and capital sources for a faster, easier, and lower cost experience.

iBank.com
Kathryn Johnson,
Co-Directors of Communication Technology
(714) 549-4226 ex: 125/127
kjohnson@ibank.com
3151 Airway, Building G-3
Costa Mesa, CA 92626

12/4/2006 Internet Company Eyes Big Business in Small Business Finance Network for 2007

Go to iBank Now

Internet Company Eyes Big Business in Small Business Finance Network for 2007



/PRZOOM - Newswire/ - iBank.com sees sales skyrocket in 2006. The company expects 2007 to exceed all goals and expectations.



Costa Mesa, CA, United States, 12/04/2006 – iBank.com powered by Credentrust Software, heads into 2007 with increased sales, revenues and media exposure. The company, started by Tom Markel in 1999, has seen continuous growth every year since its inception. iBank.com, America’s largest commercial finance network, has three distinct centers; the Finance Center, Insurance Center and the newest one, which is the Capital Center.

“Coming from a family history steeped in small business ownership, it’s wonderful to see iBank.com expand into a thriving, growing business where our beliefs and ideals are the cornerstone of Credentrust Software,” said Markel, CEO of Credentrust Software. “We see the Internet offering small businesses real-time connectivity to a network of lenders, insurers and investors globally”.”

The growth of ibank.com has been phenomenal. Using over 10,000 keywords on the major search engines, providing the online platform to other web sites and extensive media coverage has grown ibank.com from 200 small businesses seeking loans in January 2004 to over 85,000 in October 2006. Loan posting needs by small businesses have grown 373% in 2006, and the advance lender search engine is up almost 6000% since its inception in 2005. These incredible numbers represent just the commercial mortgage numbers. On the insurance side, launched in April 2006, the center has seen tremendous monthly growth. The new small business insurance center is up 193% since earlier in 2006, while the Capital Center postings have experienced growth of a staggering 934 applications in six weeks.

“After years of trial and error we have finally found an online company that is doing loan finance processing right,” said Gary H., President of Creative Capital Associates, Inc. “iBank has built a robust behind the scenes solution that allows lenders to fully customize their loan criteria. From our perspective it provides an easy to use interface with prospective borrowers and expedites their requests for financing."

With iBank.com’s proprietary online secure vault, a business can create, upload and store their entire business file cabinet of information online. The business then chooses the application type within the vault, data from the vault will pre-fill all the necessary information needed to build a professional Digital Investment Package (DIP), then click submit, and hundreds of prequalified lenders, brokers, banks, insurance agents and investors nationwide are notified instantly. The interested parties can then log on to the applicants vault and review the materials. The vault is easy to use, and is self guided which gives the business a step by step guide to build a DIP and eliminates paper, fax, and postage. The business can access their DIP anytime, anywhere and then seamlessly connect for reviewing financial or investment proposals.

The future of iBank.com and Credentrust Software is limitless. The numbers shown prove that small business owners visit and use the services provided by iBank.com, which results in increases of small business loans, commercial mortgage loans, increased insurance products and equipment leasing loans and investments. Higher yearly numbers are good for small businesses, companies that service the small business, but most importantly, it means a thriving American economy.

About iBank.com

Based in Costa Mesa, Calif., iBank.com, America’s largest online small business lending engine, has become a commercial lending marketplace for businesses seeking venture capital and angel investors, small business loans, equipment leasing, business insurance and commercial mortgage loans in real time. Formed in 1999, iBank.com utilizes advanced search engine technology, a do-it-yourself professional online loan package builder, and numerous other online tools for communication and connecting with more than 250 lenders nationwide for closing loans faster. The whole process, eliminates about two-thirds of the time and cuts 90% of the cost involved.

12/4/2006 Credentrust Software processes credit applications seamlessly, online and in real time, to speed the process of filling vacancies and findin

Go to iBank Now

Credentrust Software processes credit applications seamlessly, online and in real time, to speed the process of filling vacancies and finding new franchisees

BANKS AND PROPERTY OWNERS HELP SMALL BUSINESSES FIND QUALITY TENANTS AND FRANCHISEES THROUGH CREDENTRUST'S TENANTSUITE AND FRANCHISESUITE

COSTA MESA, CALIF. (Dec. 04 2006) - www.iBank.com, Credentrust Software, started in 1997 by Tom Markel, has steadily increased as a leader in tenant screening. Credentrust uses the Customer Application Management System (CAM), which is a workflow collaboration tool that processes customer credit applications, such as new customer account, tenant, franchise and loan applications. This system integrates with credit bureaus for a one button retrieval of credit reports, reduces the cost of processing new customers and makes faster and better decisions with more information for owners.
“Helping the small business owner process tenant applications is the goal of TenantSuite,” said Tom Markel, CEO of Credentrust Software. “Making the tenant screening process as easy and hassle free as possible while trying to phase out paper applications is why we created TenantSuite.”
CB Richard Ellis is the largest commercial real estate services firm in the world with nearly 10,000 employees in more than 250 offices spread across 47 countries. Their property management business currently manages more than 600 million square feet for property owners. CB uses the TenantSuite version of Credentrust CAM to process tenant

applications for commercial office space in the 1300+ buildings they manage across the US. They are currently phasing out paper applications completely, mandating that all properties accept only online tenant applications submitted via Credentrust CAM TenantSuite. Credentrust provides a single solution used by all property managers throughout the country, ensuring uniform procedures and costs no matter where the property is located. It also allows executives at CB's headquarters in Los Angeles to monitor tenant application volume and progress across all of their properties without requiring property managers to manually prepare daily (or even weekly) reports.
SYSCO Food Corporation is committed to helping foodservice providers succeed in the foodservice industry, which is why SYSCO uses Credentrust to process its new account applications, extend trade credit and assist in the capital needs of its 415,000 customers worldwide. SYSCO is the largest foodservice distributor to the restaurant and hospitality industries in the country with $25 billion in revenue, more than 415,000 customers, and over 47,000 employees in 146 locations throughout North America. SYSCO uses Credentrust to virtually eliminate paper, faxes, copy costs and postage charges in the processing of their new customer and trade credit applications. Moreover, the online application and features such as integrated credit reports totally eliminate data re-entry, which is costly, time-consuming and mistake-prone.
Credentrust hosts and manages the system for each of these companies so there is no software to buy and maintain. The system can be customized to meet the needs of each individual company, even if those needs change regularly. Credentrust implements the system quickly with a focus on customer satisfaction. Franchisee applications are broad applications that require the prospective franchisee to disclose a significant amount of information about their personal life and business experience. Because franchising is a of dollars, the franchise company must carefully process their application to ensure that the franchisee is a good fit and has the abilities to be a successful long-term partnership and franchisees often invest hundreds of thousands and even millions franchisee. Credentrust CAM FranchiseSuite manages the processing of franchisee applications, including pulling credit reports, verifying references and preparing franchise documents. What was originally a loosely organized, paper-based process is now a paperless, standardized procedure. Credentrust's integrated and customizable workflow and collaboration features ensure each franchisee application is processed correctly and as quickly as possible. Each customer creates their own secure Vault (or admin users can create it for them). Customers can use their Vault to store and organize business information that can be accessed anywhere at any time. It also seamlessly integrates with the Credentrust Finance Center for customers to quickly complete loan applications.
Credentrust Mission
At Credentrust, our mission is to enable corporations to sell more products and services to their customers by providing their customers with seamless connectivity to credit and capital. Our success is based on our ability to empower companies to capture, grow and service their customers by enhancing their financial relationships. Credentrust provides hosted solutions which enable companies to quickly and efficiently process new customer accounts and provide existing customers with access to financing to help them grow their business. Customers can procure financing for equipment leases, commercial real estate loans and business loans for amounts ranging from $500 to $50 million via their own lenders as well as Credentrust's network of over 225 lenders.



About iBank.com
Based in Costa Mesa, Calif., www.iBank.com, is America’s largest online small business Finance network. The network helps small businesses collect and store all business information inside a secure online VAULT; it helps create a digital loan package, and insurance and investor application packages. Formed in 1999, www.iBank.com utilizes advanced search engine technology, and numerous other online tools for communication and connecting in real time with a nationwide network of loans, insurance and capital sources for a faster, easier, and lower cost experience.

iBank.com
Kathryn Johnson,
Co-Directors of Communication Technology
(714) 549-4226 ex: 125/127
kjohnson@ibank.com
3151 Airway, Building G-3
Costa Mesa, CA 92626