1. ACCESS CAPITAL WITH SBA LOANS<br /> As a result of Congress’ approval 9-28-2010 of HR Bill 5297, the opportunity for financing and growing a small business has never been better during these economically challenging times. Below is a snap shot of key points to consider. <br />ELIGIBILITY <br />Based on the changes in the government size standards in order to be classified as a small business, now approximately 95% of all companies in the United States qualify. The new standards are: <br />• _Tangible net worth of the company is less than $15,000,000 <br />• _Net profit is less than $5,000,000 for the past two years <br />KEY FINANCING FEATURES <br />• _PROGRAM 1- Financing up to $5,000,000 <br />1. Working capital, inventory, accounts receivable financing - up to 10 years <br />2. Furniture, fixtures, equipment - up to 15 years <br />3. Owner occupied real estate - up to 25 years <br />4. Interest rate negotiable <br />5. Government loan fees temporarily waived <br />6. Personal guarantee <br />• _PROGRAM 2- Financing up to $11,000,000 <br />1. Owner occupied real estate (some- up to 25 years, acquisition, expansion, refinancing <br />2. Equipment - up to 15 years, new <br />3. Interest rate: government portion approximately 5% fixed for the term of the loan; subject to change; non-government portion negotiable <br />4. Government fees are included in the government loan interest rate <br />5. Personal guarantee <br />• _PROGRAM 3- Financing up to $30,000,000 <br />1. Owner occupied real estate - up to 25 years <br />2. Working capital, inventory, accounts receivable - up to 10 years <br />3. Furniture and fixtures - up to 15 years <br />4. Equipment - up to 15 years <br />5. Interest rate negotiable <br />6. Government loan fees range from 1% to 2% <br />7. Location restrictions <br />8. Personal guarantee <br />If your company needs financing, our advisers are standing by to meet with you to determine which program may best meet your needs. You may call A.J. Sheek at 214-733-0652 or e-mail him at AJ@fmcfinancialservices.com. For information on additional services we provide please visit us at http://www.fmcfinancialservices.com.<br />