Following are important benefits for obtaining financing through non-bank lenders:

• NOT governed by FDIC regulations.

• NO performing "non-performing loans."
Payments made as scheduled, collateral deteriorates causing a loan default under FDIC regulations. Non-bank lenders eliminate this concern!

• Provide longer term options.
Up to twenty-five years is available on qualifying real estate.
Up to fifteen years on qualifying equipment.
Up to ten years for working capital.

• NO balloon payments looming in the future.
Eliminates concern of Bank non-renewal at maturity.

• Competitive interest rates.
Fixed rates available for certain industries.

• Higher Loan to Value than conventional bank lenders will accept.

• Loan amounts based on the combined real estate and business enterprise value.

• Limited operating covenants.

• NO Prepayment Penalties.

• Some loans are assumable to qualified buyers of existing businesses.
Business owners may have the option to sell a business with financing in place.