COMMERCIAL LENDING

Our Commercial PartnerOffers commercial real estate loans from $500,000 to $50 million on most commercial property types.

Eligible Properties3Other properties considered

Eligible Properties4Other properties considered call for details

Hard Money – With Reasonable Rates Direct relationships with privately held funds Specializing in alternative financing for non-bankable commercial transactions throughout the United States Functioning as a national clearinghouse, representing non-traditional money sources specifically geared to fund troubled or growing companies5

Direct relationships with privately held funds

Specializing in alternative financing for non-bankable commercial transactions throughout the United States

Functioning as a national clearinghouse, representing non-traditional money sources specifically geared to fund troubled or growing companies

Hard Money – With Reasonable RatesGenerally non-bank lenders Providing financing to companies and individuals seeking commercial financing who cannot obtain adequate capital to grow or run their businessPrincipal has worked on of difficult cases over a decade (including Chapter 11 situations as well as developmental stage companies needing debt financing) involving hundreds of millions of dollars in financing6

Generally non-bank lenders

Providing financing to companies and individuals seeking commercial financing who cannot obtain adequate capital to grow or run their business

Principal has worked on of difficult cases over a decade (including Chapter 11 situations as well as developmental stage companies needing debt financing) involving hundreds of millions of dollars in financing

Client ProfileAny company or individual that is unable to secure commercial financing through traditional sourcesParticularly if funding needs are immediate7

Client Profile ExamplesDevelopmental stage companiesCompanies with historical and/or current lossesCompanies with negative net worth or tax liensCompanies in Chapter 11, healthy companies that need a more aggressive lender who will provide a larger credit facility, and companies where the principals have poor creditIndividuals who have poor credit or limited capital to make an acquisition of a commercial property or operating business8

Commercial ProcessBorrower Documents – Collected by CLO Team Leader3 years Personal & Business Tax ReturnsP & L on Existing BusinessesPersonal & Business Financial StatementPurchase Agreement or Rent Rolls, if applicableCredit Report – Ordered by CLO Team LeaderApproximately $35TURNAROUND TIME: Approximately 45 days or sooner9

3 years Personal & Business Tax Returns

P & L on Existing Businesses

Personal & Business Financial Statement

Purchase Agreement or Rent Rolls, if applicable

Credit Report – Ordered by CLO Team Leader

Approximately $35

TURNAROUND TIME: Approximately 45 days or sooner

Commercial Process (cont.)Executive Summary – average 5-7 pagesAppraisalsFee approximately $1,000Turnaround Time – 2 – 3 weeksEnvironmental Study – if necessaryUpfront fees - determined by nature of loan; credited at closing Closing Costs - All Borrower Monies remitted by Wiring 10

Fee approximately $1,000

Turnaround Time – 2 – 3 weeks

Letter of Intent-ApprovalIssuance of Lender Conditional ApprovalUpfront Fees Determined at This Time11

Commission based on Origination FeeNet Commission = 50 Basis PointsCommercial Loan CompensationRev. 6-17-0912

REAL FINANCE SOLUTIONS = Net Commission X 10% RFS Consultant = Net Commission X 70%Manager = Net Commission X 10%Regional Manager = Net Commission X 6%National Manager = Net Commission X 4%Commercial Commission PayoutRev. 6-17-0913

Commercial Commission ExampleLoan Amount $1,000,000 RFS Commission x 50 basis pointsNet Commission $5,000REAL FINANCE SOLUTIONS @10% $ 500TEAM CommissionsRFS Consultant @ 70% $3,500 Manager @ 10% $ 500Regional Manager @ 6% $ 300National Manager @ 4% $ 20014

Contact Information Cheryl A. Robinson (rfs #1123) (313) 574-3625 email: cherylarobinson11@yahoo.com15