Borrower Benefits
  Long repayment terms, reducing monthly payments
  Frees up cash flow to expand your business
  Low down payment of as little as 20% for acquisitions (& 100% financing available for refinancing
      and renovations with sufficient equity in business)
  SBA 7(a), SBA 504 and USDA B&I loans available

Loan Amounts
  $100,000 to $7.0 million (larger transactions may be available on a case-by-case basis for strong requests)

Use of Proceeds
  Renovation, upgrading &/or re-branding of existing gas stations
  Acquisition of existing branded gas stations
  Expansion of existing gas stations
  Ground-up construction of new gas stations/convenience stores supported by a current feasibility study
  Independent & regional brands financed on a case-by-case basis

Terms and Requirements
  Business owners must have direct or highly related industry experience coupled with acceptable
      personal credit histories
  Rates are based on a spread over the Prime Lending Rate. Rates vary depending on the specific
      strengths of the transaction
  For branded gas operations, terms of the gas supply agreement must be equal, with options,
       to the term of the loan
  All customary fees apply
  All 7a loans are fully amortized and are assumable

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