TDJ EQUITY FUNDING

COMMERCIAL REAL ESTATE SECURED-7 (A) guaranteed program

SBA 7A USE: MUST BE CRE SECURED

• Acquisition, expansion of the owner-occupied commercial real estate

• Debt refinance (within Guidelines)

• Purchase Equipment

• Working Capital/Inventory

• Business Acquisition

SIZE

$250,000 to $5,000,000

TERM

• Up to 25 years, depending on the use of funds

• If working capital or equipment are in the loan the term may be shorter than 25 years.

• Typical Structure: - 85-90% Lender Loan - 10%-15% Owner equity

INTEREST RATE

Up to Prime + 2.75%; depending on credit quality and collateral, adjusted quarterly

PREPAYMENT PENALITIES

3 year prepayment penalty at 5%, 3%, 1%.

ELIGIBILITY

• After-tax income less than $5 million on average over last 2 years

• Tangible net worth of business less than $15 million.

• Manufacturing – 500 to 1,500 employees

• Taxes must be current

• Owner-user projects only, no investment deals

COLLATERAL

• Real Estate (personal assets may be required)

• All Owners with 20% or more ownership must provide personal guarantees

FEES

• Bank packaging fee - $2,500

• SBA Guarantee Fee paid to SBA

• Normal closing costs

BENEFITS

• Low down payment

• Longer maturities

• No balloon payments

• Reduce monthly payments SBA 7A

• No liens on business assets

• Responsiveness and accessibility

• Minimal, flexible prepayment fees

• Avoid liens on business and personal asset