Small business loans

Capital Type Micro Loan SBA Loans Franchise Financing Development Financing

Capital Type Definition $5,000 to $35,000 small business loans that can be used for any business purpose. Loans to small businesses from private-sector lenders (banks, etc.) which are guaranteed by the SBA. The SBA has no funds for direct lending. Specialized financing reserved for the franchisees of recognized, typically nationally known, franchises. Loans to small businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings. CDCs work with the SBA and private-sector lenders to provide the financing.

Import Export Export financing of U.S. goods and services through a variety of loan, guarantee, and insurance Loans programs. (Import-Export Bank Programs) Working Capital Financing & Loans Capital Type Micro Loans Capital Type Definition These are working capital loans typically funded from $5,000 to $35,000 and used for any business purpose.

A cash advance loan up to a $100,000 that is secured against your regular occurring monthly Credit Card Receipt merchant credit receipts. The loan is paid back via automatic deduction from future credit card Advances transactions. Sell Account Receivables Business Credit Cards Sale and Leaseback Your account receivables are purchased at a small discount and you get cash now. These loans are unsecured and usually do not exceed $25,000. Loan limits are based on your personal credit score and not your time in business.

Sale of an asset for cash, with a contract to lease the asset back from the funding source purchasing the asset. Sales tax can be an issue here with this type of funding. Commercial Financing & Brokers Capital Type Account Receivable Factoring Asset Based Loan Bankruptcy Reorganization Financing Expansion Financing Import and Export Inventory Loan Purchase Order Financing Capital Type Definition Account receivable factoring serves as collateral for short term working capital loans that you can obtain fast and cost effectively. Seeking to convert a company assets into working capital. Giving a security in an asset(s) in exchange for cash. Financing to reorganize in company in a turnaround. Typically secured by assets; equipment, inventory, A/R, POs, etc. Growth has outpaced existing business. Loan for existing demand. Key here is existing demand, not projected. Loans to promote the shipping or receiving of products or materials. Based on existing market, demand or orders. A loan typically made as part of a relationship where the lender will also provide retail financing for the product. Loans on the written order to purchase goods at a stipulated price with an agreed to delivery date. Credit rating of orderer is key.

Secured Credit Line Merchant Account Advance

A pre-arranged amount of credit based upon existing inventory, A/R and POs.

Up to a $150,000 advance against regular occurring monthly merchant credit receipts. Commercial Equipment Leasing, Financing & Loans Capital Type Equipment Loan Equipment Leasing Capital Type Definition Making of a loan using the equipment as collateral. Good operating history, credit rating, debt ratios are the keys. Contract for a fixed period of time in exchange for payments, usually in the form of rent for equipment. Typically lower credit requirements.

Municipal Equipment A lease transaction with any government agency (i.e. Federal, State, County, City etc.). Leasing Equipment Sale and Leaseback Equity investments Capital Type Equity Loan First Round Funding Second Round Funding Later Stage Funding Sale of an asset for cash, with a contract to lease the asset back from the funding source purchasing the asset. Sales tax can be an issue here.

Capital Type Definition Offer of an ownership position to induce the loan or can be a note that has an option to convert from debt to equity. Typically funding that accomodates growth. Company may have finished R&D. Funding is often in the form of a convertible bond. Maturing company where a future leveraged buyout, merger or acquisition and/or initial public offering is a viable option. Mature company where funds are needed to support major expansion or new product development. Company is profitable or breakeven.

Merger and The combination of two companies. If one company survives, it is a merger. If both survive, Acquisition Funding it is an acquisition. Mezzanine Funding Seed Funding Companys progress makes positioning for an Initial Public Offering viable. Venture funds are used to support the IPO.

Earliest stage of business, typically no operating history. Investment is based on a business plan, the management group backgrounds along with the market and financial projections. Commercial mortgages Capital Type Acquisition and Development Adjustable Commercial Mortgage Construction MiniPerm Construction Loan with Take-out Fixed Rate Capital Type Definition Raw land infrastructure development (streets, utilities, etc.)

Interest moves with a specific index (Prime, T-Bills, etc.)

Construction with 3 to 5 year loan, usually on income property. Construction with pre-arranged takeout loan in place. Interest Rate remains constant throughout the term.

Commercial Mortgage Hard Money Loan Interim Loan Joint Venture Participating Mortgage Loans from private lenders based primarily on the hard asset value (commercial building, vacant land, etc.). A short term (2 yrs or less), bridge or project type loan. A financial partner in the development of real estate. Lender receives a kicker for gross income above a preset level.

Lender purchases land and leases back to borrower (generally developer) for a fixed rent plus Real Estate Sale and other considerations. Mortgages are issued on leasehold at market rates. Usually, produces Leaseback more dollars than a mortgage. Real Estate Purchase Lending for the purchase of commercial real estate. Loan Second Mortgage (Commercial) Wraparound Loan secured by equity behind that of the first lien. Lender makes a second mortgage and assumes the first mortgage.

Whether your business demands quick cash to cover its expenses, or whether you need long term credit to buy new equipment or finance your expansion, we offer you many attractive and easy loan options. TERM LOANS 1. Long-Term Loans o For project financing o Expansion/modernization of facilities or acquisition of capital goods or services o Loan maturities range from 2 to 7 years Short-Term Loans o To finance working capital requirements o Acquisition of raw materials, supplies, etc. o Repayment within one year

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SPECIALIZED LENDING PROGRAMS These loans from government financial institutions aim to help startup projects, expansion projects, rehabilitation and relocation projects. Some loans can have maturities as long as 20 years. CREDIT LINES 1. Revolving Credit Line (RCL) o Used to augment operating and working capital requirements o Available by promissory notes (PNs) of up to 360 days Omnibus Line o A multi-purpose loan you can avail of yourself, depending on your credit requirements o For example, you can combine Export Advance Line, LC/TR Line, RCL, etc. Peso/FX Convertible Credit Line o Exclusive to foreign exchange earners, such as exporters or producers o Used to finance short-term requirements o Option to withdraw in pesos or in US dollars, depending on what you require Discounting Line o You can quickly convert your customers postdated checks into cash o Eligible to those whose businesses normally accept postdated check payments Domestic Bills Purchased Line

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Convert your checks and bank drafts into cash We may purchase your checks, drafts, Treasury Warrants, and other negotiable peso instruments.

TRADE SERVICES AND FINANCE Trade Services Letters of Credit (L/Cs) Documentary Collections under Open Account, Documents against Acceptance/Payment Guarantees in the form of Standby L/Cs Collection of Custom Duties and Taxes Advisory Services Trade Finance o Import Financing thru LC/TR Lines o Export Financing thru Export Advance Lines (pre-shipment financing), or Export Bills/Drafts Purchased Lines (post-shipment financing) Structured Trade Finance o Export-Import Bank of United States (US-EXIM) Guarantee Program o Export Credit Agency (ECA) Lines

SUGAR LOANS PROGRAM Sugar Crop Production Line A credit facility that is available to eligible sugar planters Sugar Quedan Financing Line A credit facility against acceptable raw/refined sugar quedans available to both sugar millers and traders Operational Loan To finance the working capital and/or CAPEX requirements of sugar mills Time Loan For long-term capex of sugar mills Time Loan Agricultural To finance other sugar production requirements such as purchase or repairs of equipment, repair of farm roads, and construction of farm houses

LOANS TO LOCAL GOVERNMENT UNITS Eligible Borrowers: Local governments of provinces, cities and municipalities Eligible Projects: o Revenue generating or cost saving projects o Projects with significant socio-economic impact on the community such as public market, infrastructure, machinery and equipment, etc.

SMALL BUSINESS LOAN PROGRAM To finance business expenditures or expansion Eligible borrowers: those engaged in light manufacturing, processing, services and retail/wholesale trade Favorable track record/experience and credit standing for the past three (3) years Minimum of P1.0 Million up to P10 Million loanable amount Term Loans (TL) and Domestic Bills Purchase Line (DBPL) Minimum tenor of one (1) year to maximum of five (5) years

Loans & Lines of Credit If you are a large corporation, medium-sized company or small business enterprise, our Corporate Banking Relationship Managers can package a loan which will address the following needs: 1. Financing for your expansion and investments, such as: a. Purchase/construction/renovation of a commercial or industrial property b. Acquisition of a fixed asset such as new or upgraded equipment and machinery to improve production capacity 2. Bridging the gaps in your working capital requirements for : a. Receivables b. Local or imported raw material inventory 3. Financing your importations 4. Financing your export production 5. Financing your new projects

6. Refinancing of existing loans 7. Purchase of Domestic checks , foreign drafts and export bills Depending on your requirements as well as our evaluation of your business , the loan can vary as to type of facility(straight loan or credit line), denomination (local or foreign currency), security (clean or secured), term (short or long-term) and interest repricing (fixed or floating rate). We accept the following collateral for our loans: 1. Peso and foreign currency deposits 2. Government securities 3. Real Estate(vacant lot or with improvements) 4. Acceptable shares of stocks 5. Standby Letter of Credit issued by a domestic or foreign bank 6. Assignment of export letter of credit/Purchase Order/Sales Contract We also grant clean loans based on our assessment of factors like the company's financials, transaction risk and the industry it is in. Click on the links if you want to know more. STRAIGHT LOAN Short Term Loan (STL) Term Loan (TL) CREDIT LINES Trade Credit Facilities Other Credit Facilities STRAIGHT LOAN If you need a specific amount of funds which you expect to pay within a prescribed time period, we offer straight loans which may be short-term(payable within 365days) or long-term (more than 365 days). Short Term Loan (STL) An STL is granted for a specific requirement which you can pay within a prescribed time period. Our STLs have a term of less than 365 days. Term Loan (TL) If you need funds to construct a building or plant, purchase additional property or equipment or invest in a new product line, we offer term loans at competitive rates, with floating or fixed interest rates. The loan is payable either through monthly, quarterly or semi-annual installments. For long- term funding requirements, our BPI Capital can syndicate the loan for you. CREDIT LINES For recurring working capital requirements, we offer credit lines for a variety of purpose. The lines mature in one year and are renewed annually. Loan availments are done through 360-day promissory notes(PNs) Trade Credit Facilities Export Advance Line (EAL) These are loans intended to finance production of goods for export. Availments are generally covered by an assignment of export letters of credit and/or purchase orders and such advances are paid out of the proceeds of export shipments negotiated through the Bank. Import Letter of Credit/Trust Receipt (LC/TR)Line If you are an importer in need of working capital , the Bank can give you an Import LC/TR line. Interest rate is floating and reviewable every 90 days. Principal and interest are payable upon Import Bill/ Trust Receipt maturity. Export Bills Purchased Line(EBPL) If you are an exporter in need of working capital , the Bank can also purchase your export documents so you can get credited for the export proceeds without waiting for your buyer's payment. "For other trade-related products and services, please open link on Trade Finance". Other Credit Facilities Revolving Promissory Note Line(RPNL) The RPNL is a standby facility for your short-term working capital requirements. Drawdowns against the line have a term of up to one year and are payable upon maturity of the Promissory Note. Interest is charged only on amounts drawn against the line. Bills Purchased Line (BPL) Domestic Bills Purchased Line The Bank can purchase your domestic checks (local/regional/clearing) anytime if you have an approved Domestic BPL . Maximum term of the line is 1 year. Foreign Bills Purchased Line The Bank can purchase your foreign drafts and export bills anytime if you have an approved Foreign BPL. Maximum term of line is 1 year. Sugar Quedan Financing Line(SQFL) If you are a sugar trader in need of working capital financing, the Bank can give you a SQFL via short-term

Promissory Notes supported by a pledge of quedan.warehouse receipts and/or real estate mortgage. Maximum term is 360 days. Guaranty Line A guaranty line will accommodate the financing requirements of your employees , such as auto and housing loans, through our subsidiary, BPI Family Savings Bank, or enable you to provide them with corporate credit cards through our Credit Card Dept. Types of Business Loans Direct Deal Finance is able to provide the traditional lending services offered by most banks and MORE. Given that most lending institutions are now faced with a shortage of experienced and capable lenders, it makes sense to deal with someone who is professional and experienced in all areas of commercial finance. At Direct Deal Finance we know how to structure YOUR financial needs, and are able to access the very best loan products available through an array of lending institutions and funders. If you know what loan type you require or wish to commence a loan application via us, please submit an application via our online application form. The Extensive Range of Products Available Includes: Overdrafts: Most banks provide basic overdrafts to assist with working capital requirements. An overdraft is simply an extension of a clients normal banking account but with an approved arrangement to overdraw to an agreed credit (or overdraft) limit. An overdraft will often be used by business people where cash reserves are otherwise committed to debtors or stock or where cash flow is interrupted or uneven. Factoring Facilities: Factoring, also known as cash flow finance, debtor finance and invoice finance, can help improve your cash flow and increase working capital to fund growth by providing an immediate injection of cash against the value of your outstanding invoices. Then as you raise an invoice, the lender can release up to 90% of the value of that invoice within 24 hours. The remaining 10% is generally paid to you, less a small service fee, once the lender receives payment from your customers. Inventory Loans: Inventory Finance provides businesses with finance for the acquisition of stock for manufacturing or resale to their customers. Clients are typically profitable, well established, have current financials and annual sales turnover of $3m or more. Users include manufacturers, wholesalers and retailers who purchase stock from Australian or overseas suppliers. Finance is available for most new stock, ranging from raw materials and work in progress to finished goods. What makes Inventory Finance unique is that the stock to be financed does not have to be pre-sold, invoiced and delivered. Additionally, clients are not required to provide real estate security. For manufacturers Inventory Finance is available in conjunction with Production Finance, or as a standalone finance facility. Revolving line of credit facility limits range from $400,000 to $3.0M. Short Term Loans:

Short term loans for urgent settlements, bridging loans, short term business needs where a firm take-out can be identified can generally be arranged within 24 hours. We have access to a broad panel of funders who specialise in these types of loans. Loans generally range from $20,000 to $200,000 (however higher amounts can be negotiated) and security too may be first or second mortgages or other suitable security. Fully Drawn Advances or Term Loans: A Fully Drawn Advance or Term Loan can be used for a variety of purposes. Loans may be to assist with purchase of commercial property, business equipment, businesses, consolidation of debt etc. Loan terms are generally restricted to 10 15 years depending on loan amount, however longer terms are available too via some lenders. Interest only or principal and interest repayment terms can be negotiated. Fixed or variable rate loans are available. Commercial Bills: Commercial Bills are often the ideal option for short or long-term financing, and can be an excellent answer when you need a significant injection of cash above $100,000. Normal terms are from seven to 180 days with a variable or fixed interest rate. With fixed rate bills, your interest rate remains constant for the term of the facility, which may include several rollovers. With variable rate bills, the interest rate is fixed for each period. If the period is extended or rolled over, the interest rate may vary. Your commitment is to repay the face value of the Bill at the end of the term of the loan agreement. Construction and Development Finance: We specialise in this area of finance and have had experience with land sub divisions, high rise, multi-development, supermarkets, hotels and taverns, caravan parks and many more. Requirements will vary and will depend upon the nature of the development please Contact Us to discuss. Lo Doc Loans (self employed...without financials): Some lenders will allow finance for most purposes with a Lo Doc loan. A Lo Doc or low in documentation loan is specifically designed for self-employed people, and other non-conforming borrowers. Typically a Lo Doc client may not have prepared their end of year financials or may have not been trading in a new business for any length of time where their financial data does not accurately demonstrate their incomes. A Lo Doc or No Doc loan dispenses with the need to table extensive financial information to support home lending. Strata Finance: Strata Finance is a simple, reliable and equitable way to fund any need in strata buildings today. Owners corporations sometimes need funding for building repairs, legal cases, building applications, renovations and fire upgrades as well as new capital works. These needs are partly a result of the legislated requirement in each state for owner corporations to comply with their duty of care to repair and maintain their building to a safe, liveable standard and the requirements of insurance policies.

In the past monies were raised via a special levy or waiting for the sinking fund to accumulate enough funds, whilst the building continued to deteriorate, building costs increased, the risk of legal liability increased and owners and tenants quality of life deteriorated. Strata Finance provides simple funding solutions so strata owners can realise their goals of improved capital values, rental returns, and improved building standards and in the case of residential buildings enhanced living standards. Strata Finance saves on time, expenses and provides complete certainty of funding