PURPOSE: To purchase, construct or renovate owner-occupied real estate.  Business purchase Equipment purchase or refinance Working Capital and Inventory  STRUCTURE: Maximum $750,000 SBA Guarantee   PROJECT SIZE Up to $3,000,000, with companion loan   TERM: Up to 25 years   RATE: Variable Rates   RECOURSE: Yes.   FEES: Depends on loan size   REPORTS Require appraisal, structural engineering and environmental reports   LOAN TO VALUE: 80%   DCR: 1.25   RATE LOCK: At time of closing   PREPAYMENT: Negotiable   BENEFITS: Competitive Rates Greater flexibility and less restrictive loan Conditions than conventional bank loan   BUSINESS TYPES: Nursing Homes Assisted living facilitates