Commercial loan programs - Nationwide

[Roger Abuata]

                                                      Commercial Loan programs
                                        We fund nationwide and some internationally
Permanent/Fixed Rate Financing:
Permanent/Fixed Rate Financing is the core product that is utilized most throughout the commercial
real estate industry. The Borrowers can lock an existing loan from anywhere from 2 to
30 years based on the property type. Our relationships with our lenders are a key component in
assisting its client's permanent financing needs.

Bridge/Renovation Financing:
Through the relationships that we have with a variety of leading lending sources, we can offer
customized Bridge/Renovation, Construction, Floating-Rate, Forward Commitment, Mezzanine/
Preferred Equity and Permanent/Fixed Rate financing alternatives.

Floating-Rate Financing:
Floating-rate financing usually utilizes the London Interbank Offered Rate (LIBOR). This
product is very attractive to Borrowers who have a lot of upside in an existing property and
need a short period of time to stabilize an existing property. These rates have been at the
historical lows and have been very popular as they usually have minimal or no prepayment
penalties. We assist borrowers to utilize these flexible structures for their short term needs

Mezzanine/Preferred Equity Financing:
Mezzanine/Preferred Equity Financing can be structured in many different ways. We assist
borrowers who need to bridge the gap between what a conventional lender is willing to
finance and the total amount needed to complete a transaction. The transaction can be
structured as partnership debt, preferred equity, or a mezzanine loan. The key to these
transactions are the ability to creatively structure the transaction.

Joint Venture Equity:                                                                                                      Introducing strategic capital for specific projects- development, value-add, or stabilized assets
- allows our clients to get maximum leverage on their capital and opens up opportunities to
pursue larger deals versus being limited to conventional family and friends deals. JV money
typically will invest between 90-95% of the required equity. JV Equity is available in all major
product types (retail, office, industrial, hotel, and multi-family).

Construction Financing:                                                                                               Construction financing is a short-term loan utilized by borrowers to finance the costs of building
an existing facility. Every loan varies depending on the product type and the amount of
time it takes to complete the building process. We can assist all borrowers in finding the best
structure, leverage and rate for these critical loans.

Private Money:                                                                                                                    Private Financing Group arranges alternative financing for real estate owners, developers
and entrepreneurs. Real estate secured financing programs structured to meet the needs
of each borrower.

Types of properties:
Hotel, Motel (flagged and Un‐flagged), Casino, Assisted living facilities, Senior living facilities, Office buildings Class A, B, C, D, Industrial Building Class A, B, C, D, Multi-family apartments, Medical facilities, Retail, Shopping centers, Malls, Gas stations, Owner user Class A, B, C, D

                             For information about any scenario you may have, please contact
                                                             Roger Abuata
                                               [e-mail]