TDJ EQUITY FUNDING

Acquisition and limited refinance of owner-occupied commercial real estate

$250,000 to $15,000,000

• CDC: 10- or 20- or 25-year amortization and maturity

• 30-year Amortization, 10-year maturity with 5-year reset

• Typical Structure - 50% Lender Loan - 40% CDC/Debenture - 10% owner equity

• Debenture at 10- or 20- or 25-year Treasury plus spread (fixed rate) set by bond market

• Lender portion / Competitive market interest rates

Prepayment penalties apply to the Harvest loan, 5% x 5 years, and the SBA loan, 10 year ppp

Eligibility subject to SBA approval

Subject CRE, with personal and corporate guarantees

Lender – 1 to 3 points plus normal closing costs

• Low down payment

• Long term maturities

• Reduce monthly payments

• Below market blended rates

• Speed to close

• Certainty of execution

• 1-day Letter of Interest

• 5-7 day Commitment Letter

• 35-45 day Closings

TDJ Equity Funding BUSINESS LOANS AND FINANCING BROKERAGE COMPANY