PROGRAM	Use of Proceeds	Loan Size	Term	Amortization	LTV	DSC	Recourse	Benefits
	New Construction and Substantial Rehab for both proprietary and Non-Profit Facilities	N / A	40 Years	40 Years	For-Profit-90% Non-Profit-95%	1.11:1	None	Provides high leverage. Fully amortizing loan. Assumable
	Acquisition/Refinance and Moderate Renovations for both proprietary and Non-Profit Facilities	N / A	35 Years	35 Years	For-Profit-85% Non-Profit-90%	1.18:1	None	Provides high leverage. Fully amortizing loan. Assumable
	Acquisition/Refinance and Moderate Renovations	Minimum $1,500,000	10 Years	25 Years	75%	1.40:1	None	Allows Cash Out, Minimum Covenants, Assumable
	FOR OWNER OCCUPIED REAL ESTATE: New Construction Substantial Rehab Acquisition/Refinance Moderate Renovations Working Capital	UP TO $3,000,000	25 Years	25 Years	N/A	1.25:1	Yes	Allows up to 90% financing with second mortgage. Fully amortizing loan, Will lend on going concern value.
	Designed for businesses with good track records that are expanding employment. Proceeds can be used to: To purchase, construct or renovate owner-occupied real estate, To purchase businesses For equipment financing	Up to 3,000,000	25 Years	25 Years	Up to 90%.	1.25:1	Yes	Does not interfere with any existing Bank lines of credit, Greater flexibility and less restrictive loan conditions than conventional ban loan
	To purchase,  construct or renovate owner-occupied real estate.  Business purchase Equipment purchase or refinance Working Capital and Inventory	Up to 3,000,000 with companion loan	25 Years	25 Years	80%	1.25:1	Yes	Competitive Rates, Greater flexibility and less restrictive loan, Conditions than conventional bank loan
	Acquisition/Refinance	Minimum $1,000.000. Moderate renovations.	1-3 Years	Interest Only	Up to 90%.	1.10:1	Yes	Can be used to reposition properties and meet time sensitive closings.