GROWING. FINANCIAL PARTNERSHIPS Discover the Difference with DLC Expert Financial Loan Programs Provided through EQUIS CAPITAL FINANCE COMMERCIAL

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1 GROWING FINANCIAL PARTNERSHIPS Discover the Difference with DLC Expert Financial Loan Programs Provided through EQUIS CAPITAL FINANCE COMMERCIAL

2 Acquisition Term Bridge Permanent Short Term Mezzanine Acquisition Term Bridge Permanent Short Term Mezzanine Acquisition GROWING Term Bridge FINANCIAL Permanent PARTNERSHIPS Short Term Mezzanine - ICI Multi For Family many years Office DLC Land Expert Development Financial has been Construction helping JV - Acquisition commercial Term real Bridge estate Permanent clients achieve Short their Term financial Mezzanine - Corporate goals Finance by focusing Equipment on growing Leasing long and term Financing relationships Joint and Venture ICI Multi conducting Family Office business Land not Development just as another commercial Construction JV - Acquisition Term Bridge broker Permanent but a partner. Short Term Mezzanine - ICI Multi We Family value our Office clients Land to such Development degree that we Construction are more JV - Acquisition Term comfortable Bridge Permanent calling them Short partners. Term Mezzanine ICI Multi Family Office Land Development Construction JV Acquisition Term Bridge Permanent Short Term Mezzanine - Acquisition Term Bridge Permanent Short Term Mezzanine Acquisition Term Bridge Permanent Short Term Mezzanine - Acquisition Term Bridge Permanent Short Term Mezzanine -

3 The Expert Difference At Expert Financial we start our client relationships with a simple meeting, a handshake and a commitment from us. It s not something many clients are used to experiencing with a commercial broker until they work with Expert Financial. We specialize in providing competitive capital solutions to clients with commercial financing needs. THIS IS HOW WE STAND OUT OF THE REST One Stop Financing Personalized Service Deal Customization Flexibility Long Term Relationship

4 Partnership Although it s nice to start a relationship with a client, without the right products, terms and commitment, a partnership will never emerge. Our long standing relationships with banks, credit unions, trust companies, pension funds and insurance companies, as well as private mortgage funds (private investors), allows us to support our clients providing the flexibility they need. Fixed Rate Permanent Financing Bridge and Interim Loans Construction Financing Construction to Permanent Mezzanine Financing CMBS Lending Sale Leaseback Transactions PRODUCT OFFERING Equity and Joint Venture Partnerships Asset Based Financing Equipment Leasing and Finance Franchise Financing Land Development CMHC Insured Financing Credit Tenant Lease Financing Multi -Family Office Industrial / Distribution Anchored / Unanchored Retail Owner Occupied / Single Tenant Medical Facilities PROPERTY TYPES Self -Storage Hospitality Nursing and Assisted Living Manufacturing Facilities Land Special Purpose

5 CORE FINANCIAL PRODUCTS Real Estate Our clients range from large national investors to small local owners. We provide the same level of PERSONAL SERVICE and CUSTOMIZED SOLUTIONS to each of our clients, whether for a small or large loan. PERMANENT FINANCING Loan Terms 5-30 years Amortization periods up to 30 years Fixed or Floating Rate Up to 85% loan-to- value (100% LTV on a case by case scenario) Interest rate priced over various indexes including GOC, BA, Bank Prime rate Loan amounts starting at $500,000 up to $500,000,000 The pricing, terms and conditions of a permanent financing loan vary depending upon the lender, property type, leasing status and overall market conditions. Our strong network of lenders consisting of Life Insurance Companies, Banks, Pension Funds and Private Equity Funds, allows us to provide its customers with the most competitive financing available today.

6 Construction Financing Short term, interim loan used for financing the cost of construction. The lender advances funds to the builder at periodic intervals as work progresses. CONSTRUCTION FINANCING Loan terms generally months Partial disbursements are funded on a scheduled basis ( draws ) Rate typically priced over Prime on a floating rate basis Full recourse Loan amounts from $1,000,000 to $250,000,000 The risk factors that are evaluated include: location; structure quality; pre-leasing/pre-sales; green building features; borrower and covenantor's financial strength; loan-to-value level; debt servicing ability; borrower's experience. Mortgage security may also include additional provisions such as, personal guarantees, corporate guarantees, letters of credit, and the pledging of additional collateral.

7 Mezzanine Financing MEZZANINE FINANCING A hybrid of debt and equity financing that gives the lender the right to convert to an ownership or equity interest in the company. Loan terms generally 3-10 years (co-terminus with first mortgage) Up to 85% loan-to-value Fixed or floating rate (rate of P + 8% P +12%) Typically non-recourse Loan Sizes from $1,000,000 to $50,000,000

8 Joint Venture Financing JOINT VENTURE FINANCING This type of financing is created through an affiliation in which both parties agree to share capital, risks and rewards of the venture. It is different from a partnership in that it relates solely to a particular project. This is the most appropriate way of raising funds in the early stages of a proposed development, before approvals, etc. Investment Amount : Minimum amount of $500,000 to a maximum of $10,000,000. Location: Well-located real estate throughout Canada in both primary and secondary markets. Developer Experience: Track record of success in the development field, with specific experience in the asset class and geographic market in which the development is planned. Asset Class: Various commercial and residential asset classes, including: - Low, mid and high rise residential (both for-sale and for-rent) - Retail, industrial and office (both ground-up and under-performing existing) - Senior housing (both for-sale and for-rent) - Self-storage - Student housing

9 Bridge Financing BRIDGE FINANCING Also known as interim financing or gap financing, these loans "bridge the gap" between times when financing is needed. Short term loans ranging from 1 month to 1 year Loan amounts from $500,000 to $100,000,000 Floating rate first mortgage financing (typically more expensive than conventional financing to compensate for the additional risk of the loan) Fixed or float Recourse may be required

10 Business - Corporate Financing ASSET BASED FINANCING An asset based loan is a type of business financing that is secured by company assets. Most asset based loans are structured to work as revolving lines of credit. This structuring allows a company to borrow from assets on an ongoing basis to cover expenses or investments as needed. We work closely and collectively with institutions, governments and investors both domestically and abroad allowing for a much more expansive range of financing options to business owners and corporate entities. Loan amount: $500,000 to $100,000,000 Position: Senior and /or Subordinated Debt Term: from 1 to 10+ years Purpose: Working Capital, Seasonal sales assistance, Rapid growth, Mergers and Acquisitions, Recapitalization, Shareholder buyouts, Supplier discounts and more.

11 Franchise Financing FRANCHISE FINANCING Franchise financing enables you to combine your proven concept and operating systems with the local market expertise and capital of your franchisee. Whether you already own a successful franchise or want to take the leap and buy one, we can provide financing for your business. We understand the challenges you face when choosing and managing a franchise, and have the expertise and solutions to help you overcome them. We offer customized financing packages for all types of owner-operated business systems if you're considering franchising as an alternative source of capital or as a means to lower your leverage. Loan amounts: $50,000 and over Purpose: Purchase, Renovation, Expansion

12 Private Equity Financing Private equity investment provides a target company with working capital to nurture expansion, support new product development, fund new technologies, make acquisitions, strengthen a balance sheet, or restructure the company s operations, management, or ownership. Among the most common investment strategies in private equity are: leveraged buyouts, venture capital, growth capital, distressed investments and mezzanine capital. In a typical leveraged buyout transaction, a private equity firm buys majority control of an existing or mature firm. This is distinct from a venture capital or growth capital investment, in which the investors invest in young or emerging companies, and rarely obtain majority control. Size of Investment: $10,000,000 and up Type of Transaction: Buyouts (partnering with existing management, retirement, succession, other) and divestitures. Turnarounds and venture capital transactions will not typically be considered.

13 Submitting New Deals In order to effectively communicate with our sources and clients alike and be able to provide timely results, please follow the instructions below when submitting new deals: Real Estate Transactions Description of the project / collateral / property type Description of Client ( i.e. corporate entity, individual ) Estimated Net Worth of Principals Loan Amount Requested Use of Funds Location Business Loans Company Name Company Location Industry Company Is in Loan Amount Requested Use of Funds Description of Collateral Value of Collateral Additional information and documentation will be request upon review and determination of viability of loan request. For any information or questions please Angelo Butsianis at: (905) or

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