Please give us a call toll-free at (888) or visit our website at EasySBA.com for more information on our aggressive loan programs.

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1 February 9, 2015 Dear Intermediary, Diamond Financial would like to thank you for considering us in your future business acquisition financing opportunities. Business Intermediaries are our #1 source of business. We are currently the nation s number one source for commercial and SBA loans and are adding offices throughout the country. We work with business brokers in pre-qualifying potential buyers, packaging loan applications, and assisting with clients from start until closing of the loan. Your company benefits by having us speed the application process, ease the concerns of the potential buyer, and updating you on the status of the loan application on an on-going basis. We know and appreciate the time and effort involved in finding and qualifying potential buyers and we are here to help. We are providing our QR (Quick Response) form in the attached packet, which outlines the proposed financing structure. We usually generate this report within 48 hours of receiving the information from you. This form will assist a prospective buyer in understanding the estimated down payment, monthly payment and terms of the loan. Not only does this simplify the buyer s understanding of the financing, but it also aids you in determining down-payment requirements and financing options to secure the deal. We pride ourselves in providing a complete turnkey service. Our success rate is high. We understand the complicated SBA guidelines and SBA s ever-changing standard operating procedures (SOPs). We have trusted relationships with aggressive SBA lenders throughout the country. We know what can be done and how to get it done. Your client s time and your time are valuable and important. Let us help you manage the maze of SBA lending. We have been in business since 1996 and our history of success is unparalleled. Let us help you be part of our team. Please give us a call toll-free at (888) or visit our website at EasySBA.com for more information on our aggressive loan programs. We look forward to working with you and saving you time and making you money by becoming your ONE source for acquisition and commercial real estate financing. Sincerely, Stephen Mariani President Diamond Financial

2 Things are happening and we re on the move! SIX OFFICES AND GROWING. 1. SBA 7(a) Loans (350M - 5 Million) The 7(a) Loan Guaranty Program is the SBA s primary program reducing the risk to lenders by guaranteeing major portions of the loans written to small businesses in America. This guarantee enables the lenders to provide financing to businesses when funding is otherwise unavailable on reasonable terms. The eligibility requirements and credit criteria of the program are very broad to accommodate a wide range of financing needs. Diamond Financial specializes in providing SBA 7(a) loans and works with the country s most aggressive non-bank SBA lenders daily, insuring the greatest chance for your business s success. We are the nation s #1 source for SBA loans. 2. Diamond Retirement Funding TM Use retirement assets to fund your business with no penalties or taxable distributions No interest payments. This is not a loan No collateral needed. All personal assets are completely protected No monthly fees Includes 5-year management consultation for tax planning, legal structuring and exit strategy advice 3. UBLOC TM (10K 200K) (Unsecured Business Line of Credit) Allows credit worthy clients to have business lines of credit Easy to apply. No personal or business collateral required Working capital needs for existing franchisees A credit-based program that uses personal or business credit to fund your franchise or existing business Fee - $0 down, 10% of total funding raised 4. LeverageLine TM Leverage your stock, bonds, mutual funds and more to get a low-interest credit line Credit not required nor reported Fee - $0 down, 1%-3% of credit line total Funding in 5-14 business days Typically a 1.5%-5.5% interest rate on credit lines Leverage between 65%-98% of your portfolio

3 5. Equipment Leasing (5K - 500K) Finance the equipment needed to start your business and gain beneficial tax advantages Easy application, fast approvals Fee - $0 down, 1%-5% of lease total No personal collateral needed Easy application and fast approvals For the past 17 years we have been helping brokers closed more deals nationwide and we value and recognize the ones that raise the industry to a higher level. Please do not hesitate to call us in the future with any type of financing questions on our deals or any others you may have in process, we would like to become your number source for true SBA answers and solutions. Know that we are here to help you with Structuring questions and can also assist you interpreting the sometimes confusing SBA rules and regulations (SOP). Our Brand New Broker Service Designed just for you Diamond offers a FREE service of structuring SBA loans and offering SBA answers at This service is 100% confidential and your address will NOT be shared or solicited in any way.

4 Overview 2014 Diamond Financial Services Providing creative acquisition structuring and loan solutions through SBA and conventional financing programs with seven offices serving the entire USA Contact information: Stephen Mariani, President Corporate offices Six Forks Rd. Suite 105 Raleigh, NC Our Broker Advantage Program gives you the edge. We screen all buyers upfront, saving you time and money Guaranteed Quick Response provided within 48 hours on all businesses We review your listings and offer finance options Streamlined seller information checklist provided upon LOI Ongoing status reports on all your clients 7 to 10 day approvals after loan submission Franchise Funding division dedicated to franchises Real estate division with over 20 years experience Buyer advantages Review & critique your business plan Professionally prepare the loan documents Develop realistic revenue projections We select a lender with guidelines capable of approving your loan Our strength is brought to each and every one of our loans Working capital is always included No prepayment penalties on most loans The difference is our people Each office is staffed with fully trained loan experts Our collective expertise is brought to every loan Providing the best financial solution to each client, whether that solution includes us or not Our people always put the client s best interest first, always! We assist our clients throughout the loan process until closing

5 Overview 2014 Why rely on one lender when you can have access to them all. At Diamond Financial, we believe you should be making money, not chasing it! PARTNER WITH DIAMOND FINANCIAL AND RECRUIT THE EXPERTISE YOU NEED! We are specialists in SBA financing. Under the current economy and based on the favorable terms offered, SBA is clearly the best option to obtain business financing. We are not the direct lender but we work with some of the leading financial institutions. We know which offices aggressively are dedicated to committing to SBA loans. Unlike many in the industry, we do not charge any upfront commissions for our expertise and work on your application. We will help you: a) Professionally package the loan application: Whether it is to prepare the application, request sufficient documentation, preparing sales projections or the write-up of convincing summaries, Diamond will assist the buyer in presenting a package lenders will take seriously. b) Structure: Business and loan structure, partner relationships, and ability to emphasize strengths over weaknesses are just some of the issues. Diamond Financial works with the buyer to structure the loan in a palatable and positive way so the loan application has the best chance for approval. c) Develop and Analyze Business Projections: Revenue and sales projections need to be prepared in a convincing and realistic way to achieve success. These loans are cash flow driven meaning there needs to be sufficient expected revenue over expense ratios so loan obligations can be met. d) Effectively Communicate the Merits of the Loan Application: We talk directly to the underwriters not the loan processors. We know what is important to our lenders and we keep the loan moving in order to speed up the loan process. We know what concerns our lenders and our experience in working out issues or obstacles can be invaluable to your buyer! Our daily experience in working with loan officers helps them in many ways. We have easy access, solid on-going communications, professional credentials and a mutual confidence level with lenders that produces results and commitments. We know what our lenders are looking for and expect! e) Selecting The Right Lender: There are many written and unwritten guidelines that really determine the lenders sincere interest in your application. By working with our lenders on a day-to-day basis, we know if there are changing guidelines or criteria that may help or hurt your chances. Our pool of leading nationwide lenders gives us many financing alternatives. Our creative solutions, to structure and financing and our knowledge of where to place applications is why we will get the best and quickest results! Diamond Financial can help your buyer secure financing for loans of $200,000 to $3 million for Business Acquisitions & Start-Up locations. We add working capital and closing costs into the loan in order to reduce the impact of capital needs for the business. We will assist them in pulling together all necessary documents, critique your application, and speed up the process from loan application to loan commitment improving your chances of securing the loan! WHY LOANS GET DECLINED: Loans are initially declined for many reasons. They usually stem from the borrowers inexperience and lack of knowledge of the loan process and criteria. If they have limited experience in applying for a business loan, you may experience the following: --- UNCERTAINTY OF LOAN REQUIREMENTS Do they really understand the bank or financial institution requirements to successfully get the loan approved? --- POORLY PACKAGED LOANS Do they have the knowledge and ability to professionally present a loan package worthy of full consideration? --- INABILITY TO TALK TO LOAN OFFICERS Do they understand the guidelines and concerns that underwriters have in evaluating the merits of their loan application? Do they know the people they are talking to?

6 Overview WRONG SOURCE - Banks are always willing to look at your application, but will they approve it? Can they possibly know or understand their written and unwritten priorities and ever-changing policies or guidelines? WE RE NOT JUST ANOTHER LENDING SOURCE For further information, call us toll free at (888)

7 Borrower initial prequalification Get prequalified today and Stop sending your personal information all around the country to view business listings. Send it once for the very last time. After discussing your options and determining the size of business that's right for you, we will provide you with our DFS "Opinion Letter" to confirm to sellers and brokers of your ability to secure financing. We are the only contact you need when being prequalified to secure business financing. By spending a few minutes with one of our experienced business finance consultants you will have a better understanding of what size businesses you should be exploring, what size down payment will be required and what type of personal assets will be used as collateral. Let us help screen your potential acquisition target and structure your financing, all at no cost or obligation. You can begin today by downloading the forms from HERE and sending them to one of our offices. All information submitted to Diamond Financial is kept strictly confidential and is shared with no one except a direct institutional lender that is considering financing your project. Our prequalification letter gives YOU the power to know! LET S GET STARTED. North Carolina- Corporate Headquarters 5306 Six Forks Road, Suite 105, Raleigh, NC or Diamond Financial is an independent company providing a client direct service.

8 Quick Response Business Acquisition Financing Summary Up To 80% SBA Financing * ABC COMPANY NO R/E Anytown, USA SBA 7(a) Proposed Purchase Scenario Purchase Price Working Capital Average SBA Fees and closing costs (May Be Financed) Down Payment 20% Loan Request Term (Months) Interest Rate Monthly Payment $850,000 $65,000 $25,000 $188,000 $752, % $8,349 Working capital is payable to borrower at loan closing Rate ** Term Assumable Prepayment Penalty Lender Points Packaging Services Other Costs Prime % Max, Variable *** 10 Years, Fully Amortized Yes/ Qualify None None Upon Request Appraisal Fee, Environmental Assessment and Related Direct Costs For More Information Call Your Logo Here (888) * For Qualified Applicant on an existing business with 3 years or more history. ** Rates subject to change without notice. *** Prime Rate at 3.250%

9 December 30, 2014 Business Intermediary To Whom It May Concern: This letter is to confirm that Diamond Financial Services has reviewed the personal information Package for NAME and the feasibility of SBA Financing, after reviewing their personal information, it is our professional opinion that they are able to secure SBA financing for the acquisition of a business with a selling price of up to $ 800,000 through our lenders. We look forward to preparing this application and keeping your company aware of its progress. This letter in no way represents a loan commitment or guarantees a loan commitment in any way. If you should require any additional information in regard to these clients and their financing, please feel free to contact our office directly. Sincerely DIAMOND FINANCIAL SERVICES Stephen Mariani Business Finance Consultant Let s Get Started. North Carolina- Corporate Headquarters 5306 Six Forks Road, Suite 105, Raleigh, North Carolina or (919) Fax (919)

10 The Broker Advantage Program Finding interested buyers is a difficult and time-consuming process which can be made even more difficult when the issue of financing is discussed. Buyers are often unsure of the financial requirements from the down payment to the monthly payments to purchase and manage a business. Our Business Acquisition Financing Summaries (Quick Response Form) provides realistic numbers to buyers outlining their lender financing scenarios. Pre-qualifying buyers, determining their ability to finance a business and increasing financing options for potential buyers can greatly assist you and better serve your client (the seller). Ask us to produce a scenario sheet (QR) for your next listing! Flexible loan packages thru Diamond Financial can be applied to building and leasehold improvements, equipment, debt restructuring, working capital, franchise fees or buying out partners as a part of the acquisition package. Our Broker Advantage Program provides services to brokers from pre-screening applicants to up to the minute loan process status. THE BROKER ADVANTAGE PROGRAM CAN: Broaden Your Base of Potential Buyers. Lender financing offers lower down payments enabling more buyers to qualify for your business listing. Longer-term loans give the buyer a more affordable monthly payment and a complete financing package that may make the purchase more feasible. Pre-qualify Buyers Quickly. DFS offers assistance to pre-qualify candidates. We help you evaluate your candidate s ability to secure lender financing. Why wait days or weeks to find out whether the buyer may qualify for financing? Fast response helps you to determine whether to hold the listing or move on to other potential buyers. Increased Closure Rate. Our expertise and access to interested lenders not only saves you time, but improves the success rate for the loan application. Why blindly submit a loan application without understanding the actual feasibility. Let us move your buyer forward and free your time to sell more businesses. Increased Customer Satisfaction. We professionally complete the loan application, track missing paperwork, work with your buyer and keep you informed of our (their) progress. Speed Up the Process Once we ve collected all the information we need, you can expect a loan commitment in business days! With the Broker Advantage Program you ll find out how Quickly & Easily DEALS GET DONE! To Register for our Broker Program Just Fill-out The Registration Form

11 For over 17 years, Diamond Financial has thrived to be the Number one source for business funding in the country. For the past few years, our industry has experienced some dramatic changes and faced huge challenges. We have watched lenders come and go as well as policies and regulations. At Diamond Financial, what has remained constant is our name, our focus, and our dedication to our clients. We are committed to providing service to the entire country. We are the financial professionals you can continue to count on. We are "Still the one."

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