TDJ EQUITY FUNDING

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

 • Debt refinance (within Guidelines)  

• Purchase Equipment  

• Working Capital/Inventory  

• Business Acquisition 

 $250,000 to $5,000,000 

• 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 

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

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

 • 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 

 • Real Estate (personal assets may be required)  

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

 • Bank packaging fee - $2,500  

• SBA Guarantee Fee paid to SBA  

• Normal closing costs  

 • 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