Your Business Growth Is. Our Business Goal. Business Development Corporation. Agdia, Inc., Elkhart, IN

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1 Your Business Growth Is Our Business Goal. Business Development Corporation Agdia, Inc., Elkhart, IN

2 Evil Czech, Micro Brewery & Pub, Mishawaka, IN Trust In Our Strength For Your Growth. Seymour Midwest LLC, Warsaw, IN

3 With 504 Small Business Loan Financing the Growth of Your Small Business May Be Easier Than You Expect The national SBA 504 Loan Program provides long-term, fixed-rate financing for acquisitions of real estate or equipment and fosters job growth throughout the United States. Funding with a little as 10% borrower equity, 50% lender loan, and SBA 504 loan Low down payment to conserve valuable operating capital Competitive, fixed interest rates for 10 and 20-year terms Long-term loan duration allows cash flow generated by the asset to pay for itself BDC is certified by the SBA to manage federal funding through this loan program. We have a professional, highly trained and seasoned staff who will work directly with your business and lender to develop a financing package that meets your needs, your business credit criteria and program guidelines. Working with the BDC on a loan program provides benefits to both lenders and the business seeking financing. Bradley Company, South Bend, IN

4 Benefits To Borrowers As little as 10% down allows you to conserve working capital Offset interest rate risk Extended terms allow lower monthly payments BDC understands the value of commitment and teamwork. By joining hands with traditional lenders to support the efforts of small business owners and entrepreneurs, all members of the business community reap the rewards. The Tower Building, South Bend, IN (BDC offices are located on the 10th floor) Typical 504 Financing Structure Existing Business Expansion Start-Up Business OR Special Purpose Building Start-Up Business AND Special Purpose Building Financial Institution SBA 504 Owner s Equity Financial Institution SBA 504 Owner s Equity Financial Institution SBA 504 Owner s Equity Source Lien Funding Limits Rate Term Real Estate Term Equipment Financial 1st No Limits Market 10 Yrs or longer 7 Yrs or longer Institution SBA 504 Loan 2nd Min: $50,000 Fixed 20 Years 10 Years Max: $5.5 Mil Visit our website at bdcloan.com or call us at We ll be happy to assist you. Benefits To Lending Partners 1st Mortgage on property Standard 50% loan value Improved cash flow BDC consultation with the client on application Experienced team of professionals helping you navigate the process

5 Linton s Enchanted Gardens, Elkhart, IN Building Relationships That Produce Results Keith A. Cohrs D.D.S., P.C. Portage, MI

6 Supporting Businesses. Building Stronger Communities. Lower Michigan Indiana

7 It s Not Just A Statement, It s Our Promise. Trust in our strength for your business growth, is our commitment to strengthening our region s economic growth, one business at a time. Daniel Jones President and Chief Operating Officer Since 1982, BDC has encouraged small business start-ups and business expansions by offering supplemental long-term, fixed-rate loans in partnership with traditional lenders. In supporting entrepreneurs and hundreds of businesses, BDC is stabilizing and revitalizing our communities by preserving existing jobs and creating new employment opportunities more than 6,000 to date in Indiana and lower Michigan. The U.S. Small Business Administration (SBA) has designated BDC as a Priority Certified Development Company (CDC), certified to participate on a permanent basis in the program SBA has approved and to participate in an expedited 504 Loan approval process. The Business Development Corporation s commitment to our clients is to provide consistent follow-up, with a complete understanding of our clients needs including professional resources offered by BDC partners. And, to do all of this with a caring, friendly, service-first approach. Growing Kids, South Bend, IN

8 Trust In Our Strength For Your Growth. Business Development Corporation 218 W Washington Street, 10th Floor South Bend Indiana Office Fax For more information on SBA 504 Loan Program eligibility, please contact us.