Borrower Benefits
 Long repayment terms, reducing monthly payments
 Frees up cash flow to expand your business
 Fixed interest rates result in less uncertainty due to future interest rate fluctuations

Loan Amounts
 $250,000 to $5.0 million

Use of Proceeds
 Purchase or refinance (with cash out) of commercial real estate (minimum 25% owner-
     occupancy required)
 Eligible property types include (but are not limited to):  self-storage, industrial, hotel/motel,
     office, car wash, restaurant, day care and retail   
 Ineligible property types include: multi-family, single family residential, church, water park,
     golf course, raw land and marina

Terms
 25 year fully amortizing repayment schedule
 Loan to values of up to 85% on multi-purpose properties
 Lower loan to values available for special use properties.  Call for more information
  Prepayment penalties are required
 Fixed (for full loan term) and variable rates available
 All customary fees apply (including loan origination fee and loan closing costs)
 Underwriting requirements:  Minimum FICO & debt service coverage requirements (vary
     by deal type – call for specific information).  Additionally, taxes/escrows may be required
 Loans are assumable

Pre-Screen
 Pre-screen service available within 24 hours with no charge or obligation by providing
    limited information.