Business Loan Programs. a) Purchase, Refinance, Rehab, Construction, Working Capital, a) Fixed Asset Purchase, Construction

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1 Current Programs Pacstar Capital Partners has partnered with a leading commercial funding group to provide a myriad different types of business financing to its client companies. Loans types, criteria, and application procedures are outlined in this document. Please give us a call at to discuss your financing needs. Business Loan Programs January-16 SBA 7(a) SBA 504 a) Purchase, Refinance, Rehab, Construction, Working Capital, a) Fixed Asset Purchase, Construction Equipment and Debt Consolidation b) 80% to 90% Financing b) 75% to 90% Financing (can go higher with professionals) c) Rates Start in the mid to high 5 s c) Max Interest Rate - Prime % d) Variable/Fixed (1st) and Fixed (2nd) Pricing Available d) Variable and some Fixed Pricing Available e) 10 year Term (1st) / 10 or 20 Year Amortization (2nd) e) 10 to 25 year Term / 10 to 25 Year Amortization f) Declining Pre-Payment Penalty f) Prepayment Real Estate - 5/3/1 - No prepayment < 15 yr term g) Recourse g) Recourse h) Min Loan Amount $500,000 - Max Loan Amount $5,000,000 h) Min Loan Amount $150,000 - Max Loan Amount $5,000,000 SBA Small Loan Advantage (SLA) USDA B&I For all investor and owner occupied Businesses a) Acquisition, Refinance, Rehab, Working Capital, Equipment a) Purchase, Refinance, Rehabilitation, Construction b) 75% to 80% Max Financing b) Towns with less than 50,000 population c) Rates Start in the mid to high 5 s c) 75% to 80% Max Financing d) Variable and some Fixed Pricing Available d) Rates Start in the mid to high 6 s e) year Terms / Years Amortization e) Variable and some Fixed Pricing Available - Recourse f) Prepayment Real Estate - 5/3/1 - No prepayment < 15 yr term f) year Terms / Years Amortization g) Recourse g) Declining Pre-Payment Penalty h) Min Loan Amount $100,000 - Max Loan Amount $350,000 h) Min Loan Amount $750,000 - Max Loan Amount $10,000,000 SBA Express Line of Credit Small Loan APR Program Business Loans a) Working Capital - Revolving Line of Credit a) Working Capital / Expansion / Inventory / Equipment b) Term of loan - 3 years then it will convert b) Needs to be in business for > 2 years c) Need to do a monthly cash flow for amount needed c) Minimum Credit Score is 640 d) All other terms are like you have with the Small Loan d) Will take secondary collateral positions Advantage Program e) Term 12 to 60 months e) Min loan Amount $50,000 - Max Loan Amount $350,000 f) Min loan Amount $25,000 - Max Loan Amount $500,000 g) Application / 6 mths of Banks & 4 processing / 3 yrs Bus Tax Credit Package Needed for 7(a) - SBA Express - Returns / 1 yr Pers Tax Return / Interim Fin's / Credit Report SBA Express LOC - SBA USDA B&I 1) Executive Summary Business Unsecured Lines of Credit 2) Personal Financial Statement Available for new and existing businesses - this is a Credit Card 3) 3 Years of 1040 s Program 4) 3 Years of subject 1120, 1065, Schedule C a) Start-Up's and Businesses < 2 years $75,000 5) Interim Year to Date Profit & Loss and Balance Sheet > 2 years $150,000 6) Resume b) Credit Scores need to be > than 720 7) Tri-Merged Credit Report c) Current Credit Card Utilization < 30% 8) Profit and Loss Projections 2 Years (by Month for the first 12) d) Interest Rates: Full Doc As low as 6.99% 9) Business Plan STR Report FDD Stated As low as 8.99% Credit Package Needed - Unsecured Line of Credit 1)Application 2) Tri-Merged Credit Report

2 Business Loan Programs page 2 Revenue Based Small Dollar Loan For most all Businesses(some restricted industries) Accounts Receivable Factoring For all Businesses a) Working Capital / Expansion / Inventory a) Flexible Invoice Factoring and Receivables Purchase Line b) Needs to be in business for 6 + months b) Industries - Oil and Gas / Printing / Manufacturing / Temporary c) Minimum annual Sales is $150,000 Staffing / Telecommunications / Transportation / d) Based off of % of Avg Mthly Sales Distributors / Janitorial / Construction / Consulting + more e) Repayment in 4 to 24 months - No Security taken c) Specialized Program available for Progressive Billing / one (1) f) Min loan Amount $5,000 - Max Loan Amount $250,000 billing for the Construction Industry d) Prohibited Industries - Businesses selling to consumers Credit Package Needed - Small Business Loan e) Max Advance Rate is 70% to 80% 1)Application f) Small Program Min $5,000 to $500,000 2) Last filed Business Tax Return Standard Program Min $50,000 to $3,000,000 3) 6 months of Bank Statements (12 mths if seasonal business) Large Program Min $100,000 to $10,000,000 4) 4 months of Card Processing Statements 5) Tri-Merged Credit Report Purchase Order Financing 6) Color Copy of Driver's License Available for Finished Products a) Payments made to supplier by LOC Leasing b) Supplier payment is the lower of actual cost or 65% to 75% of For Businesses customer PO a) Specialize in A to C Credits c) Fees - 3% of 30 days and 1% for 10 day increments thereafter b) Purchase and Sale Leaseback an if an LOC is issued these cost are passed on which is c) Medical / Technology / Construction / Ag Equipment / FF&E / generally 75 basis points Energy Efficiency Equipment / Capital Leases / Operating Leases d) Minimum $100,000 with no max Equipment Finance Agreements / Vendor Programs d) Application only up to $100,000 ABL (Working Capital LOC) e) Min Lease Amount $10,000 Maximum Lease Amount $2,500,000 For all Businesses needing a true Line of Credit f) If unable to lease the total amount of soft costs for a project we a) For Businesses needing Working Capital Lines of Credit can tie the remaining amount to our Small Dollar Loan Program 1) Minimum Loan Amount $400,000 (also min. mthly sales) 2) Maximum Loan Amount $6,000,000 Credit Package Needed for Leasing: b) This LOC will be tied to the following advances: 1) Application Accounts Receivable up to 85% 2) Last 3 months of Bank Statements Inventory up to 25% 3) Description of the Equipment to be leased and the dollar amount Real Estate up to 65% ** Full Doc will include the above and this additional information c) Term will be for 12 to 36 months 4) Interim Year to Date Financial Statement d) Interest Rate will depend on the size of the transaction but it 5) 3 Years of subject 1120, 1065, Schedule C' will run somewhere from 12% up to 20% 6) Credit Report Credit Package - AR / PO / ABL Programs: ICA Transitional Loan Financing for 1) Application Businesses 2) Last 3 years of Financial Statements (Profit & Loss and For businesses which have a large amount of Machinery & Equipment Balance Sheet on Accrual Basis) a) Loan Amount $250,000 to $2,000,000 3) Current Interim Year to Date Financial Statement (Profit & Loss b) Interest Rate Starting at 15% and Balance Sheet on Accrual Basis) c) Term 12 to 18 months of Interest Only 4) Current Accounts Receivable Aging (For Medical you will need d) LTV 60% of Liquidation Value to Separate by Medicare, Medicaid, Major Insurance e) Fees 5.00% Fund Fee Companies or Other) 1.00% for a 3 month extension 5) Historical collections ratio report Monthly Collateral Monitoring Fee 6) Current Accounts Payable Aging 3rd Party Reports & Closing Costs 7) Copy of Purchase Order

3 FHA-HUD (221 d4/223 f/223 a7/232) For Apartments, Apartment Rehabs, and Senior Housing Fannie Mae For Apartments, Apartment Rehabs, Senior Housing a) Purchase, Refinance, Construction a) Purchase, Refinance b) up to 83% Financing b) Cash Out 75% LTV / No Cash Out 80% LTV / Student 70% LTV c) Rates Start in mid 3 s c) Rates Start at 4.25% d) 35 Year Term / Year Amortization d) 30 Year Term / 30 Year Amortization e) Declining Pre-Payment Penalty e) Yield Maintenance Pre-Payment Penalty f) Non-Recourse f) Recourse - NO Cash Management g) Min Loan Amount $3,000,000 g) Min Loan Amount $1,000,000 CMBS Look A Like Program: For Multifamily, Industrial, Office, Retail, Mixed Use, Self Storage Freddie Mac For Apartments, Apartment Rehab a) Refinance, Acquisition a) Purchase, Refinance b) 75% Multifamily b) Max LTV 80% 70% Indust/Office/Retail/Mixed Use/ Self Storage c) Rates Start at 4.25% - 5/7/10 year initial Fix Rates - Optional c) Rates Start in the mid 5's to low 6 s I/O + 10 bps d) 3/5/7 year Hybrid ARMS & 10 Fixed d) 30 Year Term / 30 Year Amortization e) 25/30 year Amortization e) Declining Pre-pay f) Occupancy must be 90% for the last 90 days f) Non-Recourse with Std Bad Boy Carve Outs - NO Cash Mgmt g) Flexible Stepdown Prepayment Penalty g) Min Loan Amt $1,000,000 with Max Loan Amt $5,000,000 h) No Reserves or Impounds < 65% LTV Non-Recourse i) Min Loan Amount $1,000,000 Max Loan Amount $10,000,000 Investment Property Loan Programs Credit Package Needed: 1) Executive Summary Credit Package Needed: 2) Resume 1) Executive Summary 3) Personal Financial Statement & RE Owned Schedule 2) Resume 4) 3 Years of 1040 s 3) Personal Financial Statement & RE Owned Schedule 5) 3 Years of subject 1120, 1065, Schedule C 4) 3 Years of 1040 s 6) Interim Year to Date Profit & Loss and Balance Sheet 5) 3 Years of subject 1120, 1065, Schedule C 7) Trailing 12 month Profit and Loss 8) Current Detailed Rent Roll Conduit (CMBS) 9) Color Pictures both Interior and Exterior For Class A Office, Apartments, Retail, Hotels, Industrial Warehouse 10) Credit Report on all Principals - any Short Sales/Deed in Lieu/ a) Purchase, Refinance Foreclosures b) 75% to 85% Max Financing (65% to 75% on Hotels) c) Rates in the mid 4's to low 5 s lower if LTV is less than 50% CTL (Credit Tenant Lease/NNN) d) 10 Year Fixed Pricing For BBB+ or better Credit Rated Tenants e) 10 Year Terms / Years Amortization a) Purchase, Refinance f) Defeasance (can only defease with US Treasuries) b) 90 to 95% Financing g) Non-Recourse except for standard carve outs c) Rates Start in the mid to high 5 s h) Min Loan Amount $1,000,000 d) Fixed Pricing e) Term and Amortization will match or not to exceed the LOC for Income Producing Properties outstanding life of the lease agreement For only Income Producing Properties f) Defeasance Pre-Payment Penalty a) Min Loan Amount $1,000,000 Max Loan Amount $5,000,000 g) Non-Recourse > $3,000,000 b) Rates starts at Prime % h) Min Loan Amount $1,000,000 b) Term is 2 years I/O c) 60% LTV - need to have a 1st position Credit Package Needed for CLT Financing: d) Prepayment of 1% for the 1st 9 months 1) Executive Summary e) Other Reserve for Taxes and Insurance 2) S&P Credit Rating Report Min DSCR ) Lease Agreement 4) Interim Year to Date Profit & Loss and Balance Sheet Credit Package Needed for Stated Program: 5) Color Pictures 1) Application 2) Rent Roll 3) Rental Agreements 4) Credit Report

4 Investment Loan Programs page 2 Construction Loan / Mini Perm: For Multifamily, Mixed Use, Assisted Living, Hotel, Condo's Small Balance Bridge Loans For almost all property types a) Loan Amount $3,000,000 to $50,000,000 a) Rates start at 12.99% b) LTC < 75% b) 3 / 5 / 15 year Term 25/30 year Amortization c) Interest Rate 6.50% Construction c) 3 to 6 Points P % Mini Perm d) 65% LTV Refinance - 70% LTV Acquisition d) Term 24 mths Construction e) Min Loan Amount $150,000 Max Loan Amount $2,500,000 3 years Mini Perm e) Other This will include an Interest Reserve Credit Package Needed for Bridge Loan Program: Due Diligence Fee will be charged for Const 1) 1003 Application Review 2) Last 3 years of Personal Tax Returns 3) Credit Report Credit Package Needed for Bridge Loan Program: 4) Last 3 years of Tax Returns on the Property 1) Executive Summary of the Project 5) Current Interim Financial Statement on the Property 2) Personal Financial Statement on all principals 6) Detailed Rent Roll 2) Last 3 years of Personal Tax Returns 3) Credit Report Stated Loan Program 4) Detailed Construction Budget For the following property types - Apartments, Office, Retail, 5) Resume on the Contractor reflecting similar projects Warehouse, Self-Storage, Automotive Services 6) Some type of Feasibility Study / Business Plan a) Rates start at 7.99% 7) Verification of the Cash Injection b) 3 to 5 yr Fixed Options - 30 yr Term / 30 yr Amortization c) 60% to 75% LTV Depending on Property Type Transitional Short Term Bridge Loan d) State Restrictions apply to this program For Borrowers who are credit challenged due to a Bankruptcy or Deed in Lieu several years ago rebuilding their credit e) Assumable f) Min Loan Amount $100,000 Max Loan Amount $5,000,000 a) Cash Out / Purchase / Refinance b) Property Type - Multi-Family/Office/Retail/Self Storage/ Credit Package Needed for Stated Program: Industrial/Mixed Use 1) 1003 Application c) Minimum Amount $1,000,000 to Max Amount $10,000,000 2) Rent Roll d) LTV - the lessor of 75% of Stabilized - 90% of As Is Value 3) Rental Agreements e) Interest Rate start at 8.00% 4) Credit Report f) Term - 2 / 3 years g) Interest Only Land Loans h) Min DSCR 1.25 as complete For Commercial Lots / Residential subdivisions / Farm Land i) No Credit Challenges within the last 24 months a) Purchase, Refinance j) Non-Recourse Available on a Case by Case basis b) LTV's k) 12 month YM Purchase 50% Refinance 40% ICA Transitional Real Estate Loan Remote 25% For RE properties in Transition for make sense deals Farm 55% a) Loan Amount $250,000 to $2,000,000 c) Interest Rate % to 14.90% b) Interest Rate Starting at 14% d) Term - 3 years Interest Only c) Term 12 months of Interest Only e) No Pre-Payment Penalty d) LTV 60% to 65% of Quick Sale f) Fee charged is 8.00% e) Fees 5.00% Fund Fee $950 Doc Fee g) Min Loan Amt $150,000 to Max Loan Amt $1,500, % Prepayment Penalty for 6 months One 6 mth extension for 1.00% 3rd Party Reports - Borrower to handle Closing Costs - Out of loan proceeds

5 Specialty Loan Programs Agricultural Loans - Real Estate For all Full Time Farmers Conventional Franchise Loan Program For all approved Franchises a) Purchase / Refinance of Real Estate a) Seek to finance existing multi-unit franchisees of concepts b) 70% Max Financing b) Focus on Franchise owners with more than 3 Locations c) WSJ Prime / LIBOR / T Bill will not finance operators first store d) Variable and Fix Rates c) Interest Rates starting at 7.00% - all rates are Fixed e) Debt to Assets Ratio 50% (if higher we can use the FSA Program) d) Up to 10 year repayment f) 3 to-30 year Terms / Years Amortization e) Minimum Credit Score is 680 these loans are Recourse g) Recourse f) Fees 3.00% Origination $2,000 est Closing cost/store h) Min Loan Amount $200,000 for Purchase or Refinance of Real Est g) When financing is used for expansion they underwrite the loan repayment off the current stores which are operating - no Credit Package for Agricultural Programs: credit given for the new store location 1) Executive Summary h) Min Loan amount $500,000 Max Loan amount is $10,000,000 2) Personal Financial Statement 3) 3 Years of 1040 s including Schedule F 4) 3 Years of subject 1120, 1065, Schedule F Credit Package Needed - Conventional Franchise: 5) Interim Year to Date Profit & Loss and Balance Sheet 1) Credit Application with Current Personal Financial Statement 6) Credit Report 2) Interim YTD P & L / Balance Sheet Debt Schedule to match 3) 3 Years of 1040 s Consumer Finance for Merchants 4) 3 Years of subject 1120, 1065, Schedule C for Current Business For Merchants looking for financing for their products 5) Store Info Chart a) Loan Amounts from $1,000 to $100,000 6) Pictures of the Locations b) 100% funding to the Merchant (no discounts) c) Up to 8 Lenders process each application Small Conventional Franchise Finance d) Terms from 12 to 84 months For Concepts that are > 3 yrs old with at least 15 locations e) Rates as low as 5.99% a) Up to 80% Loan to project cost / Loan to value f) Challenged Credit Scores as low as 550 b) Min Loan Amount $100,000 Max Loan Amount $1,000,000 c) Interest Rates between 8.00% to 9.00% - Term 5 to 7 years Consumer Leasing for Merchants d) Loan Fee up to 5.00% - No prepayment penalty For Approved Merchants e) No outside collateral required (don't require a 2nd on home) a) Lease Amounts from - $5,000 to $25,000 f) Loan on non-real estate operations only b) Application only program c) Takes 5 mins for approval after submission SFR Landlord Financing Program: d) FMV or Lease to Own programs offered up to 60 months For SFR Portfolio's of more than 10 SFR e) Merchant approval to participate in program takes up to 48 hrs a) Stable Portfolios (Min Home value of $100,000+) f) Merchant receives their entire invoice amount after delivery / b) LTV up to 75% of BPO installation confirmation (no discount) c) Interest Rate - starting at 5.25% g) Prohibitive Equipment d) Term - 5 years Water purification type products e) Min Loan Amt $1,000,000 to Max Loan Amt $20,00,000 Copiers f) Time to Close - 6 to 8 weeks ATM Machine g) Non-Recourse (needs to have several yrs of experience) 100% Software Titled Vehicles Credit Package Needed for SFR Financing: 1) Executive Summary LeverageLine (Stock Loan) 2) Personal Financial Statement For Individuals who have a stock portfolio 3) REO schedule (Detailed) with rent roll information a) Opportunity Capital 4) 3 years of P&L s on the portfolio b) Minimum Loan Amount $100,000 5) Interim P&L and Balance Sheet for 2015 YTD c) Advance rate of 65% for Traded Stock 6) Recent BPO s if available d) Don't need to move your trading account unless over f) Time to Close - 6 to 8 weeks $2,000,000 loan g) Non-Recourse (needs to have several yrs of experience)