“ Show Me The Money” - Capital Access

1. “ Show Me The Money”- Capital Access Presented by Harris, N.A. Mark Papoccia (815) 774-4096

2. Overview • Harris’ SBA Products and Benefits of them for you • Tips on how to be Successful with Financial Institutions

3. SBA 7A Program • Small Business Owner’s Benefits • Obtain reasonable financing not available elsewhere • Longer maturities available…lower payments and less cash flow out • Limits on financing costs…conserve cash flow • Fast turnaround from SBA...most decisions within 36 hrs. • Bank’s Benefits • Additional guarantor support • Provides more flexibility than conventional lending • Fast turnaround from SBA…most decisions within 36 hrs.

4. SBA Express Program • Small Business Owner’s Benefits • Obtain reasonable financing not elsewhere available • Minimal paperwork for borrower • Bank’s Benefits • Additional guarantor • Provides more flexibility than conventional lending • Potentially fewer monitoring requirements • (i.e. maybe less financial reporting) • Internal approval sufficient…no additional approvals needed from SBA • Minimal additional paperwork for lender…internal bank documents used

5. SBA 504 Loan Program • Small Business Owner Benefits • Lower down payment than conventional financing…borrower can conserve working capital • Conventional financing is a percentage of appraised value…504 is a percentage of total project costs • All Certified Development Company (CDC) fees are financed in the debenture…lower total project fees • Attractive long-term, fixed-rate financing • Bank’s Benefits • Reduced risk can provide 90% financing with 50% Loan To Value (LTV) • No SBA paperwork for lender…completed by participating CDC

6. SBA Export Working Capital Program • Small Business Owner Benefits • Obtain reasonable financing not available elsewhere • Transaction financing available for a single order • Low guarantee fee • Pre-shipment financing available • Bank’s Benefits • Additional guarantor support • Higher guarantee than other SBA programs…up 90% guarantee • Provides more flexibility than conventional lending

7. SBA CAPLines Program • Small Business Owners Benefits • Obtain reasonable credit not available elsewhere • Flexible structuring to accommodate cash cycle • Bank’s Benefits • Additional guarantor for higher risk loans • Provides more flexibility than conventional lending • Fast turnaround from SBA…most decisions within 36 hrs.

8. SBA Patriot Express Program • Small Business Owners Benefits • Obtain reasonable financing not elsewhere available • Minimal paperwork for borrower • Bank’s Benefits • Additional guarantor support • Provides more flexibility than conventional lending • Potentially fewer monitoring requirements • (i.e. less financial reporting) • Internal approval sufficient…no additional approvals needed from SBA • Minimal additional paperwork for lender…internal bank documents used

9. Tips on how to be Successful with Financial Institutions • Communication • Information • Make sure they understand • Value

10. Communication • Important in any relationship

11. Information • What • When • Why

12. Make Sure They Understand • Your Business • Your Industry • Your Challenges • Your Risks • Your Goals

13. Value Ask Yourself what Value the Financial Institution Delivers • Advice • Ideas • Challenges • Industry Tactics • Risk • Cash Flow • Cost Savings • Revenue • Efficiency • Reaching Your Goals • Personal • Employees • Business

14. Conclusion • SBA Loan Products and Value?!