Further international expansion is afoot for ThinkSmart, with an exclusive launch with the United States' chain store Office Depot, to offer point of sales funding across nearly 1200 North American stores.Neil Barker, group chief financial officer for ThinkSmart, said the United States opportunity is "completely green field"."In the B2B segment, and this is one of the reasons Office Depot is really pushing to get the product into the market very quickly, the US trading environment is going through some softer times."They see this as a tremendous opportunity to get a competitive advantage and also improve their trading margins."ThinkSmart has relationships in Australia including Dick Smiths, JB HiFi and Officeworks, covering around 550 outlets.In the United Kingdom ThinkSmart markets point of sale finance at PC World, with 160 outlets, and in Spain through PC City with 36 outlets.Contracts are in place until 2011 in all countries, but Office Depot with 1183 stores has more point of sale outlets than all the other countries combined, offering enormous potential."The business model is very similar to other countries."We can adapt what we do to meet the various partnering requirements, but to a large extent it will be a slicker model than what we operate anywhere else in terms of efficiency and straight through processing."It needs to be, simply because of the potential volumes that could be pushed through."The Home Depot rollout will begin with stage one operating in 21 Florida stores in the June 2008 quarter, with stage two targeted to expand to 132 Florida stores.Stage three is targeted to complete expansion to every Home Depot store by quarter one 2009, with funding secured in a two-year agreement with a non-disclosed top 20 US bank.Stage one and stage two losses forecast at $1.6 million will be funded by cash flow."In stage three we will need to put infrastructure on the ground."It will most likely be funded through cash flow and possibly debt, but at this stage we certainly wouldn't be looking to go back to the market for fresh equity."