Product Description

We are a correspondent bank located in the United States. This means that we represent over *0 private banks, investment banks, merchant banks, development banks, private equity firms, insurance companies, large regular depository institutions, hedge funds and venture capital firms. In other words, this gives us many more different loan options as we correspondent bank.



We offer the following different types of commercial and business loans:

Commercial Real Estate Loans

USDA Business and Industrial Loans

Commercial Fannie Mae Loans

Equipment Financing/Leases

Commercial Freddie Mac Loans

Franchise Financing

Accounts Receivable Financing

Merchants Cash Advance Loans

Mergers and Business

SBA Loans Loans

Acquisition Financing Stock Loans

Bridge Loans and Hard Money Loans

Stated Income Loans

Business Lines of Credit

Small Business Loans

Consumer Financing

Purchase Order Financing

Contract Financing

Debtor in Possession Financing

Joint Ventures

Private Equity Financing

Accounts Receivable Financing

Term Loans

Agricultural and Working Farm Loans



Specialty Type Loans:

Annuity Financing

Healthcare and Medical Financing

Retirement Financing

CMBS (Commercial Mortgage Backed Securities)

Commercial Loan Modifications



There are many, many more loan types that we have access to so don't hesitate to inquire. All of our

rates are very, very competitive as we can match or beat most banks terms. We make loans (recourse and non-recourse) on the following types of entities and properties:

Any type of legal business

Multi-Family

Inventory Loans

Retail, Anchored & Unanchored

Office Buildings

Office/Retail

Flagged and Unflagged Hotels

Boutique Hotels

Mobile Home Parks

Warehouse / Flex Space

Self-Storage Facilities

Industrial Properties

Marinas

Healthcare Properties

Land

Agricultural & Working Farm Loans

Construction

Acquisition & Development



GOOD CREDIT OR BAD CREDIT

Loan Amounts from $5,**0. to $**0 Million+ Loan To Values up to *5%.



Unlike local and national banks who can call your note due at any time and leave

you having to raise your capital elsewhere......sometimes that is if you can. We do

not adhere to those practices. Your rates will either be fixed or adjustable and will

completely your choice. Your loan will be amortized over a certain amount of time

and some will have a balloon payment or will pay out at a fixed time. Either way,

you will know exactly what you are signing well before closing and again......YOUR

LOAN WILL NOT BE CALLED BFORE MATURITY*.

You loan will not be called/due as long as you make the payments and don't become delinquent.*



CONSULTING

We offer assistance in finding the right business or commercial property for you and obtain financing options for you. The SBA estimates there are $*7MM businesses in the United States. The SBA, Department of

Commerce, Federal Reserve, and Dunn & Bradstreet believe the number one cause of failure of a

business is lack of access to capital. In addition, Small Biz reports that in their system, in

***4 some 7,**9 business were sold, up 6% from ***3 of which only *9% had a plan of any sort. They

estimate businesses that did not have an exit plan probably sold for a discount of *5% or more of their

true fair market value. Only 5% of current business owner's have thought of an exit strategy and it's

never to late to get those affairs in order.



The Exit Planning Institute survey shows slightly over *6% of all business owners do not know all their

options to exit (either sell or transfer to family) their business. Some *3% of business owners do not

have a plan for life after exiting their business. Some *0% to *0% of their net worth is tied up in their

business but also nearly *0% of business owners have not sought help or formed a team to help them

exit their business. We do team building with accountants, attorneys, commercial bankers, wealth

mangers, insurance agents, investment bankers and business brokers.



We have a  Exit Planning operation that is for individually or family owned companies. We are a member of the Exit Planning Institute and follow their methodology. This is a three part process of (1) helping the

business seller in thinking through and establishing plans for the owners life after the exit of the

business, (2) establishing the financial plan for both the business and the owner after exiting the

business, and (3) increasing the maximum value of the company.



The starting point is the formation of a team of professional advisers of wealth management, CPA's,

attorneys, insurance agents, and others as needed. The team establishes a personal financial plan of

what resources the owner and the family will need to support their life style after the exit of the

business, and then the estimation of the net proceeds of a possible sale of the business, and of any gaps

between personal financial needs and estimated current company value. We estimate the net after tax

valuation and cash proceeds from a sale which is critical.



Please contact me for the obtaining any type of commercial/business loan or learn more about our consulting business. Learn how we can help you grow your business.