Loans - The SBA 504 Loan Experts

Our Lender is the acknowledged commercial real estate lending expert in providing small and mid-sized businesses with 90% loan-to-cost commercial real estate financing through our SBA 504 Loan Program. They are the only company nationwide that exclusively focuses on providing SBA 504 loans for business owners to finance commercial property.

With their 90% loan-to-cost SBA 504 loans, owners of small and mid-sized businesses can preserve capital and maximize cash flow to better afford purchasing commercial real estate instead of leasing. Our clients receive all the benefits of ordinary bank financing but with less money down, longer fixed rate terms, more convenience, faster turnarounds and better customer service.

This is the Best-Kept Secret to Wealth Creation for business owners and entrepreneurs: Smarter Commercial Financing with our 504 loans.

Borrower Benefits

Low down payment of only 10%•

Long repayment terms - reducing monthly payments•

Frees up cash flow to expand you business•

Many rate options including long term fixed rates•

Use of Proceeds

Ground-up construction up to $5MM available to existing businesses purchase of owner occupied • commercial real estate

Limited refinancing of existing debt is permitted in conjunction with new construction as SBA policy allows•

Standard Loan Structure

50% financing - First mortgage (up to $4 Million)•

40% financing - SBA 504 second mortgage (SBA / Certified Development Corporation provides up • to $2 million, $4 Million if LEED “green” guidelines are met)

10% minimum down payment by the borrower (15% in the case of special use properties or ground-• up construction)

Terms

First Mortgage•

25 years, fully amortized- -

Fixed, floating and adjustable rates available- -

Competitive fee structure- -

Prepayment penalties as short as 5 years - none thereafter- -

Second Mortgage•

20 years, fully amortized- -

Fixed rate is determined at SBA - guaranteed 504 debenture sale- -

Fees can be FINANCED - low Out of Pocket Cost- -

Guarantee Fees are waived through Sep 2010- -

Fees set by CDC- -

Prepayment penalty for initial 10 years, none after the end of year 10--

Pre-screen

Pre-Screen service is available within 48 hours with no charge or obligation with limited information.

The United States Government formed the Small Business Administration in 1953 to help businesses start and grow. The U.S. Small Business Administration or SBA has the goal of preserving free and competitive enterprise within the United States and is charged with maintaining the strength of our economy. The SBA offers a 504-loan program as a financing alternative for small businesses.

SBA 504 loans are a partnership consisting of the SBA, the small business applicant and a third party lender. Usually, 504 loans are for special projects and the loan works by dividing the amount lent between the third party lender, who gives about half the money, and SBA or one of its affiliates gives about 40% of the money. The remaining 10% is what the small business has to come up with for the particular project.

SBA 504 loans consist of three parts. The first part is the 50% that the third party lender provides. This loan does not carry all of the benefits of the 504-loan program. The third party lender determines the interest rate and term of this part of the loan. The SBA or one of its affiliates provides the second part, which is 40% of the total project. This second part of the loan cannot be more than two million dollars and must be for a term of 20 years or less. The final part of the loan is that which the small business provides. Unless the total cost of the project is higher than the amount the SBA can provide, the small business does not have to come up with more than 10% of the total cost unless it is a special use property.

90% Loan-to-Cost Commercial Property Financing for Small Business Owners and Entrepreneurs through our SBA 504 Loan Program. Available Nationwide!