Great Basin Federal Credit Union is honored to help you and your business prosper with our

1. Great Basin Federal Credit Unionis honored to help you and yourbusiness prosper with our Member Business Loans.

2. Great Basin Member Business Loans • Business Lines of Credit • Provides your company with flexibility for temporary and ongoing working capital needs. Allows you to re-borrow and repay as often as you require. • Business Real Estate Loans • Whether you’re purchasing, constructing or renovating commercial real estate, we can provide longer terms. • Asset Acquisition Loans • To help you purchase inventory, furniture, machinery, equipment, vehicles, business buyouts or other fixed assets for your business. • Debt Refinances • Do you have existing business debt youwould like to refinance or consolidate?

3. What you’ll need to get started: • Business Loan Application • Personal Financial Statement • Please complete for all owners, principals and officers, signed and dated within the last 45 days. • Management Resume(s) • Please provide complete resumes on all individuals referred to in #2. • History of Business Form • These forms are provided by Great Basin.

4. New Businesses (0-3 years) • A feasible business plan • Monthly pro-forma income statement for 12 months • Personal tax returns for the most recent three years on all owners, principals and officers • Adequate equity investment in the form of cash • Count on 25% of the total project (minimum) • Can come from the business owner or an investor • The investor is subordinate to lender

5. Established Businesses (3+ years) • Business tax returns for the most recent three years • Personal tax returns for the most recent three years on all owners, principals and officers • Interim financial statement signed and dated within the last 45 days • Business debt schedule • This must be dated the same as the interim financial statement. • Business pro-forma financial statements balance sheet • Aging of accounts receivable and payable as of the date of the interim financial statement

6. Other Things to Know • All loans will require a personal guarantee. • All owners must guarantee the loan personally.  If there are personal assets, they may be taken as collateral. • The applicants must have a positive credit history. • No foreclosure or bankruptcy filings in the last 3 years. • No losses on any government guaranteed loan.

7. Financing for Small Businesses SBA’s Primary Loan Programs • SBA 7(a) Guaranteed Loan Programs • Rural Lender Advantage, SBA Express, Patriot Express, export loan programs, CAPLines • SBA 504 Guaranteed Loan Program • Three participants • Lender Financing 50% • CDC Financing – SBA up to 40% • Borrower cash down – at least 10% • Use of funds • Land • Purchase, improve, or expand existing buildings • New building construction • Machinery & equipment

8. A Nevada Counseling Network Nevada Small Business Development Center (NSBDC) 775-784-1717 Ansari Business Building, UNR, Room 411 www.nsbdc.org • One-on-one business counseling • Workshops/Training schedules online

9. A Nevada Counseling Network SCORECounselors to America’s Small Business To make an appointment with a counselor, 775-784-4436 • One-on-one business counseling for existing businesses and start-ups • 4-part ‘First Steps’ classes for existing and prospective business owners • Orientation classes for start-ups www.score-reno.org

10. Online Training from SBA www.sba.gov/services/training Training anywhere, any time with computer and Internet access. • Online courses • Direct access to electronic counseling and other forms of technical assistance For more information about your local SBA resources go to: www.sba.gov/nv

11. Great Basin Federal Credit Union Main Branch: 9770 S. Virginia St., Reno, Nevada 89511 www.GreatBasin.org 775-333-4228