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USDA Guaranteed Real Estate Loans (When federal funds are available)

$1M-$25 M

The Business and Industry (B&I) Guaranteed Loan Program helps create jobs and stimulates economies by providing financial backing for rural businesses. This program provides guarantees up to 80 percent of a loan made by a commercial lender. Loan proceeds may be used for working capital, machinery and equipment, buildings and real estate, and certain types of debt refinancing. The primary purpose is to create and maintain employment and improve the economic climate in rural communities. This is achieved by expanding the lending capability of private lenders in rural areas, helping them make and service quality loans that provide lasting community benefits.

$250K-$5M

12 months libor, 3, 5, 7 & 10 year fixed hybrid. All loans amortized over 30 years. Prepayment penalty 5% declining. Up to 65% for purchases. LTV can be increased to 70% on selected markets. FICO 680. DCR 1.25.Cash out refinance request are typically limited to 50% maximum. Upon conclusion of fixed rate terms loans will roll to 6 month ARM with interest rate adjustment capped at 1.00%. Stable current and historic cash is generally required. Borrower must be solid: Market experience, liquidity, net worth, personal credit. Full recourse for at least one key principal required. All programs are subject to pricing adjustment based upon loan size, property condition, age, maintenance and credit indicators. Rates are only for A&B Grade properties.

Full Doc Multifamily - Portfolio 1

Our NEW product!

FLAG HOTEL LOANS

*CONSTRUCTION & MINI-PERM

*75% LTC & 65% LTV

*Loan Amount: $2M-$15MM+

*1-2 Yr Stabilization

*3 Yr with 25 Yr Amort

*US properties only

*Marriott, Hilton Starwood & IHG

*Other flag hotels may beconsidered

(For rate & point quote with any product, provide

3 years Princiapal Tax Returns & Personal Financial Stmt with Executive Summary to rich@commercecapital.org)

SBA 504 $500K - 13 M

90% for multi use properties (office, retail, condo, warehouse, medical office, mixed use, light industrial).

85% for special use properties (automotive, assisted living, hotel, motel, restaurant, day care). First mortgage 50% and Second mortgage up to 40%. First mortgage amortized up to 25 years and Second mortgage up to 20 years. Second mortgage rates is fixed for 20 years. Must be owner occupied 51%+ to qualify under this program. Global Cash Flow Underwriting. 60 days if complete package. CDC. FICO 650. Targeted closing time is 60 days if complete package.

SBA 7(a) $250K - $5M

Must be owner occupied 51%+ to qualify under this program. Purchase, refi & cash out. Cash out is only accepted under this program if proceeds are for property improvement, payment of business debt and inventory. Car washes, auto repair/transmission/body shop, bowling alleys, medical/dental & veterinarian offices, liquor stores, convenience stores, supermarkets, child daycares, adult daycares, assisted living facilities, restaurants, retail/office condo/mixed use/industrial, self-storage facilities. Max L TV 90%. FICO 650. Global cash flow underwriting.

Sated Multifamily Mixed Use

Owner Occupied Maximum $4M

65% Multi-use. 60% Semi-generic. 55% Special use. 25 years. 650 - No previous bankruptcy. Urban/suburban areas. Avoid gas station, C-store, car wash, auto dealership. night clubs, athletic/fitness centers, special-use start-ups, assisted living facilities. Preferred characteristics < 75,000 sq ft. Minimum equity injection 10%-25%. Minimum DSCR 1.20%. Prepayment penalty declining 5% for years 1-5. If start-up, 1/20from outside source. Real property.

Nonowner Occupied Maximum $4M

65% Multi-use. 60% Semi-generic. 55% Special use. 55% Unanchored retail. 20 years. 25 years. 650 - No previous bankruptcy. Urban/suburban areas. Avoid gas station, C-store, car wash, auto dealership. night clubs, athletic/fitness centers, special-use start-ups, assisted living facilities. Preferred characteristics < 75,000 sq ft. Minimum equity injection 10%-25%. Minimum DSCR 1.20%. Prepayment penalty declining 5% for years 1-5. If start-up, 1/20from outside source. Real property. Preferred characteristics warehouse, office, manufacturing, medical offices. Equity injection 20%. DSCR 1.40%. Prepayment penalty declining 5% for years 1-5. Other sources of income 0.25X from outside source. Real property in all states except AZ, AL, AR, CA, FL, GA, IN, LA, OH, MI, MS & NV. On above mentioned states, the borrower must occupy 25%, in order to qualify

LTV for both Owner and Nonowner Occupied

Generic/Special Use: Office, warehouse (commercial & industrial), Light manufacturing & industrial, Retail/mixed retail with office. LTV 65% depending on age, quality, location, size and financial strength.

Semi Generic: New automobile dealers, Light automotive services, Tire and brake centers. Grocery stores, Funeral homes. LTV 60% depending on age, quality, location, size and financial strength. LTV 55% depending on age, quality, location, size and financial strength.

Special Use: Bowling centers, Restaurants, Oil/lube centers, School or day care, Golf courses, Dry cleaners. LTV 55% . Depending on age, quality, location, size and financial strength.

Refinances: Multi-purpose LTV 65%/ Unanchored retail special use LTV 55%.

Commercial Property - Portfolio 2

$750K-$5M

Up to 20% commercial space. Eligible locations $750K to 3 Million. Nationwide except Ohio, Michigan & Louisiana. All other locations must meet minimum population requirement of 50,000. Other eligible locations $750K to 5 Million. Major markets included: Baltimore, Boston, Chicago, Los Angeles, New York, Sacramento, San Francisco, San Jose, Seattle, Washington D.C. Loan purpose purchase, rate/term refinance & cash out. FICO 680. Amortization 25 to 30 years, depending on the age of property and condition. LTV up to 75 - 80% maximum LTV. Loan terms 30 year fixed and Balloon loan terms of 5, 7, 10 years with amortizing terms up to 30 years. Lifetime cap 5% over initial interest rate. Lifetime floor rate 3.0%. DSCR 1.25. NOI calculation deduct market vacancy; % management; repairs estimated at $650/unit; reserves estimated at $300/unit. Subordinate financing not allowed during the first 12 months, thereafter case-by-case, with a minimum loan amount of $250K. Stabilization must be at 90% occupancy for at least 90 days. Loans are assumable at Lender consent and a 1% fee. Insurance and tax escrow not required for qualifying borrowers. Seasoning 12 months. Liquidity 6 months P&I, plus down payment, closing costs and 1:1 coverage ratio of revolving debt. Borrower net worth must exceed loan amount. Nonrecourse in some large markets. Recourse in certain markets, subject to the Lender's discretion.

Stated Multifamily Mixed-Use

$100K-$550K

Loan terms 25 year fixed rate with NO BALLOON (only applicable on the Non-Adjustable Program). Prepayment penalty 5 years declining at 5, 4, 3, 2, 1 on our Fixed Program and 5% flat for 5 years on our Adjustable Program. LTV up to 70% max for multifamily and other property types. LTV will be reduced based on the transaction risks and credit scores. CLTV up to 80%. Minimum FICO 600. Lending area nationwide except for Alabama, Alaska, Hawaii, Michigan, Nevada, Ohio, West Virginia, Vermont & Los Angeles county, CA. Credit quality usually we request mortgage to be current, and must have been rated for 24 months. Mortgage rating must not have more than 1 X (30) days delinquency in the past 12 months. HOWEVER, we will also consider 3 X (30) days and 1 X (60) days delinquencies in the last 12 months period OR 6 X (30) days and 1 X (60) days in the prior 24 months. Please note that interest will be higher. Bankruptcies generally not allowed in the prior 2 years. chargeoffs & collections not allowed in the prior 12 months period. Charge offs over $500 are not allowed in the period between months 13 and 24. Exceptions may be granted with a higher rate. Property type 2-4 unit, apartments (5+ units), mixed-use, professional office space, retail store - strip/free standing, small commercial, motel/hotel, mobile home park, office/warehouse, church/house of worship, garage/storage/auto, bar with apartments, restaurant, auto repair/auto body. DSCR 1.20 Minimum for multifamily/mixed-use, 1.30 Minimum for motel/hotels, 1.35 Minimum for retail store/strip, mobile home park, small commercial, office warehouse, church/house of worship, 1.40 Minimum for automotive/storage. Type purchase, rate & term, limited cash out. Investment property or owner occupied. Closing time 4 weeks typically, if complete package. Appraisal Usually 3 approaches will be used to determine property value as follows: 1. Sales comparables, 2. Cost approach, 3. Income approach, Investor bases the final loan amount on the lowest of the three approaches.

Easy Equity - Stated Income/Verified Assets

Bridge $1M-$25M

LTV up to 65%. CLTV may be allowed on a case-by-case up to 80%. Loan term up to 36 months. Minimum FICO none. Prepayment penalty none. Exit fee none. Interest rate starting at 12%. Nationwide lending, but in no rural areas with a minimum population of 100K. Acceptable properties: Office, medical/dental, office condo, warehouse, multifamily, mixed use, retail, strip centers, day care, flagged and non=flagged hotel/motel, other property types considered on a case-by-case basis.

Portfolio Bridge $3M-$50M

Eligible properties multifamily, office, industrial, retail, lodging, note purchases on income-producing asset types. Ineligible property types. Self storage, gas stations, bed & breakfasts, day care, car wash, schools, convenience stores, land, construction & special purpose properties. Term up to 3 years. All loans are interest-only. Loan extensions granted on a case-by-case basis. Prepayment penalty none. DSCR: Multifamily $3M minimum 1.0X & Stabilized LTV 76%-85%. Commercial $3M minimum 1.0X & stabilized LTV 65%-75%. Lodging $5M minimum 1.0X, stabilized LTV 65%-75%. Stabilized means projected stabilization forecasting a prospective value. Closing timeframe 21-30 days. Interest rate starting at 7.5%. Points 2-3%. Non-recourse, subject to standard carve-outs; partial recourse on a case-by-case basis. There is no minimum occupancy. Properties must have an existing positive or breakeven NOI. Impounds are generally required. Docs needed include executive summary, rent roll, property historical operating statements with YTD stmt, REO schedule, photographs, recent STR report for lodging properties. Loans are not assumable.

High Balance Bridge $10M-$100M

Loan term 2-5 years. Interest only. LTV up to 75%. Lending territory Arizona, California, Colorado, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Washington and Wyoming. Appropriate reserves will be structured for debt service, renovation expenses and lease costs on a deal-by-deal basis. DSCRs below 1.0X are acceptable on a case-by-case basis. Non recourse available. Property types include office, industrial, multifamily, retail and flagged hospitality. Programs are structured to meet the needs of each loan to have a prepayment penalty. Capital for transitional or non-stabilized assets will tolerate vacancy and lease-up. Southern California office Buildings include acquisition financing with $44M first mortgage. Property A400,000 sq ft, Class "A" High-rise office building. Sponsor real estate equity fund. Purpose of loan to finance sponsor's purchase and lease-up of the asset at a reset basis from distressed seller. Los Angeles Industrial Building includes DPO financing, loan amt $25.6M first mortgage, property A 530,000 squ ft, multi-tenant industrial building, location commerce California, Sponsor must be local industrial owner operator, Purpose to provide sponsor with a new first mortgage to finance the discounted purchase of their existing loan. Seattle Multifamily Complex includes acquisition financing, $12.5M first mtg, property A 114-unit, class "A" multifamily apartment complex, location eastside Seattle, sponsor west coast multifamily owner/operator and real estate equity fund, purpose to finance sponsor's purchase and lease-up of the fully vacant asset subsequent to the sponsor purchasing the discount construction loan and foreclosing on the asset.

Bridge, Portfolio Bridge and High Balance Bridge $1M-$50M

Church Financing

$1M to $25M +

LTV 70%, 3-3.5X gross revenues, term 20-30- years, 1.25X cash reserves of 6-12 months, salaries not to exceed 40% revenue, purchase and refinance. Financial statements audited.

Commercial Construction

$3M-$400M

Must be in a major metropolitan area, developer must have a minimum of 25% real cash invested in project, contractor bonded, performance bond usually required, banking relationship with borrower, borrower to have sufficient liquidity to establish a two year interest reserve to cover lease up or occupancy adjustment, required cost breakdown, time line, and realistic draw schedule, projected timeline for completion, and rent up or lease up. Letters of intent are not counted and prelease agreements will be considered based upon the credit worthiness of the tenant. Two year cash reserve to cover payments required and may be required to be replenished if rents are insufficient. For hotel construction, the projected occupancy rate, together with a minimum 2 year cash reserve for payments on the loan are required. A good banking relationship is required, tied to the ability to take the funds to cover payments as a secondary source of repayment.

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