Loan Requirements

Loan-to-value:	Up to 80%
Size:	$50k – $2.5MM
Term:	1 – 3 years
Interest Rate:	11.95 – 17.95%
Origination Fees:	2-6%
Amortization:	Negotiable
Recourse:	Yes
Collateral:	Real Estate and other fixed or liquid assets
Loan Purposes:	Commercial Property Acquisitions & Refinancing Development and Construction Bank Workouts Bankruptcies & Foreclosures Bridge Mezzanine Debtor in Possession Heavy Equipment No Consumer Loans
Additional Terms:	Although we are asset based lenders, a credit report must be on file. We perform our own appraisals Title policy is required Insurance policy required

Higher Points and Rates	Lower Points and Rates
Unusual Collateral / Hard to Understand No Income Verification No Asset Verification Short Business Record No Seasoning of Ownership Low Equity in Property Cross Collateralized Second Mortgage Allowed Low Credit Score Borrower Judgments / Liens In Foreclosure In Bankruptcy	High Quality Collateral Full Documentation Full Asset Verification Long Business Record Owners Seasoning Documented High Equity in Property Adequate Equity Present No Second Mortgage Needs High Credit Score No Judgment of Liens Mortgage Payments Made Normal Business Operations

Lenders Trust 60% LTV	Lenders Trust 60% LTV
15% Interest Only 4 Points origination	12% Interest Only 2 Points origination

Lenders Trust 80% LTV	Lenders Trust 80% LTV
18% Interest Only 6 Points origination	15% Interest Only 4 Points origination