Borrower Benefits
   Long repayment terms, reducing monthly payments
   Frees up cash flow to expand your business
  Down payment as low as 10% on multi-purpose real estate acquisitions and as
      low as 15% on single-purpose real estate acquisitions
  Financing available for most industry types including: hotel/motels, gas    
      station/convenience stores, restaurants and day care centers

Loan Amounts
  $100,000 to $2.0 million

Use of Proceeds
  Real estate ­- purchase, construction, renovation or refinance of commercial real estate.    
      Majority of space must be owner-occupied.  Loans up to $2.0 million
  Business acquisition - business, franchise or professional practice.  Loans up to $2.0 million
  Machinery & equipment - purchase or refinance.  Loans up to $1.5 million
  Start-up – franchised businesses such as restaurants and hotel/motel.  Loans up to $2.0 million

Terms
  Real estate - up to 90% financing, up to 25 years, Prepayment penalty for initial 3 years,
      none after the end of year 3
  Business acquisition - up to 80% financing, up to 10 years, No prepayment penalty
  Refinance – up to 100% financing, up to 25 years, Prepayment applicable for initial 3
      years on terms greater than 15 years
  Rates are based on a spread over the Prime Lending Rate.  Rates vary depending on the
      specific strengths of the transaction
  SBA Guarantee Fee is paid directly to U.S. Small Business Administration.  Amount
      varies based on loan/guarantee amount.  Other customary fees also 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.