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We have access to the Capital Loan Program Financing ( Equity Lending )

We have access to the Capital Loan Program Financing ( Equity Lending ). Institutional lender specializing in small commercial / income properties Unique programs - meet the needs of small business owners and investors Equity lender / Credit lender Commercial real estate secured loans only.

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We have access to the Capital Loan Program Financing ( Equity Lending )

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  1. We have access to the Capital Loan Program Financing (Equity Lending) • Institutional lender specializing in small commercial / income properties • Unique programs - meet the needs of small business owners and investors • Equity lender / Credit lender • Commercial real estate secured loans only

  2. Traditional Money Sources Small Loans • Banks • Credit Unions • Trust Companies • Mortgage Bankers • Investment Bankers • Private Money

  3. Capital Loan Program Funding Institution`s Place Capital Loan Program TraditionalLenders Private Money

  4. Small Commercial Lending Arena The Capital Loan Program Private Money Traditional Lenders • Best Rates • Conservative LTVs • Strong Credit • Full Documentation • Environmental Phase 1 • Marketable Properties • High Commitment Fees • 1 to 5 Year Terms • Loan Committees • Cross Collateralization • Strong DSCR (i.e. 1.40x or more)

  5. Traditional Lender Requirements • Bank Credit Application • Background Information Sheet • State of Personal History • Management Résumé • Personal Financial Statement • T4, T1, Notice of Assessment • Financial Information: Business, Personal, Affiliate Tax Returns • Copy of Purchase Agreement • Lease Agreement • Copy of Business License • Equipment Listing • Schedule of Business Debt • Environmental Phase 1 or 2 • Insurance Information • Operating Statements • Rent Roll • …and more…

  6. Small Commercial Lending Arena The Capital Loan Program • Private Money • High Interest Rates • LTVs Vary • Fast Closings • All Credit Considered • Minimal Documents • Environmental Varies • All Property Types • High Commitment Fees • Short Term Loans • Inconsistent • Temporary Solution Traditional Lenders • Best Rates • Conservative LTVs • Strong Credit • Full Documentation • Environmental Phase 1 • Marketable Properties • High Commitment Fees • 1 to 5 Year Terms • Loan Committees • Cross Collateralization • Strong DSCR (i.e. 1.40x or more)

  7. Small Commercial Lending Arena • Intermediate Rates • Higher LTVs • Quick Closings • Wide Credit Range • Limited Documents • Environmental Fee • Many Property Types • Variety of Products • No Cross Collateralization • Reasonable DSCR • Commercial is All We Do • Wholesale Dedicated Capital Loan Program • Private Money • High Interest Rates • Low LTVs • Fast Closings • All Credit Considered • Minimal Documents • Environmental Varies • All Property Types • High Commitment Fees • Short Term Loans • Inconsistent • Temporary Solution Traditional Lenders • Best Rates • Conservative LTVs • Strong Credit • Full Documentation • Environmental Phase 1 • Marketable Properties • High Commitment Fees • 1 to 5 Year Terms • Loan Committees • Cross Collateralization • Strong DSCR (i.e. 1.40x or more)

  8. Who Needs Capital Loan Program? Clients underserved by traditional lenders: • Inability / Unwillingness to provide business and personal documentation • Fast Service • Too much credit exposure to the bank • Under bank’s minimum loan amount • Significant cash out (Equity Take-Out) • Transactions with subordinate debt • Changes in bank lending philosophy

  9. Who Needs the Capital Loan Program? As an alternative to Private Money Sources: • Need Higher LTV • Want Lower Fees • Want / Need benefit of lower interest rate • Needs longer term • Improved Credit

  10. The Capital Loan Program Loan Amounts $100,000 - $1,200,000 Property Types • Multi-Family (5+ Units) • Office • Retail • Automotive • Rooming House • Hotels / Motels • Mixed Use • Light Industrial / • Warehouse • Self Storage • Carwash • Bed & Breakfast • Funeral Homes • Restaurants • Daycares • Resorts • Campgrounds • Mobile Home Parks

  11. Non-Eligible Properties • Traditional Churches (no alternative use) • Raw Land and Farms • Construction / Interim Financing • Business Loans • Health Care Facilities that dispense medications (assisted living, hospitals, nursing homes) • Gas Stations • Adult Entertainment Facilities

  12. Deal View #1… • Mixed Use - $145,000 • A+ Credit Borrower • LTV 80% • Owner Occupied • Broker visited with • marketing material • Closed in 38 days

  13. Deal View #2… • Automotive - $435,000 • Owner occupied • Bank not willing to consider due to possible environmental concerns with this type of property • Broker arranged referral relationship with a local bank branch

  14. Deal View #3… • Office / Retail - $606,750 • Significant cash-out • Client did not have financials required at bank • Owner received advertisement from broker • Deal closed in 31 days

  15. Deal View #4… • Retail / Office - $920,000 • Borrower’s credit 685 • LTV 75% • Investment property • Expedited service from Lawyers • Closed in 45 days

  16. Deal View #5… • Hotel / Motel - $1,000,000 • Refinance – cash out to purchase another property • Referred to broker by real estate agent • Credit improved from A- to A in process • Appraisal came in higher than anticipated (+195k) • Deal closed in 59 days

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