3. About The Bancorp
Background
Incorporated
1999
NASDAQ:
TBBK
We are a family of
companies dedicated to
setting a new standard in
financial services and
payments innovation.
With operations in the
U.S. and Europe, we are
one of the few companies
in the world specializing
in private-label banking
and technology solutions
for non-bank companies.
4. About The Bancorp
An Overview
• Member FDIC
• Equal Housing Lender
• Assets of $4.5 billion
(source: Annual Report FY 2014)
• Combined annual processing volume of $232 billion
(source: Annual Report FY 2014)
• “Top 10” Administrator of Health Savings Accounts
(source: “Health Plan Week”, published by Atlantic Information Services, Inc., 2014)
• “Top 10” Merchant Sponsor Bank
(Source: The Strawhecker Group 2014)
• “Top 20” Originating Bank for ACH Processing
(source: NACHA 2014)
• “Top U.S. Issuer” of prepaid cards
(source: Nilson Report 2013)
• “Top U.S. Issuer” of health benefit cards
(source: Nilson Report 2014)
• A “National Preferred Lender”
(source: U.S. Small Business Administration)
5. About Our Company
NASDAQ:
TBBK
Institutional
Banking
Health Care
Division
The Bancorp
Funeral
The Bancorp's focus is specialty products, and specialty services – we utilize
the government guaranteed loan program to finance small business loans.
Government
Guaranteed
Lending
Fleet
Leasing
Professional
Healthcare
Hospitality
Business
Acquisitions
Franchise
Lending
Working with our
Franchisors to provide
financing to your
franchisees & to assist
in growing your brand!
Payment
Acceptance
Payment
Solutions
CMBS
8. Government Guaranteed Lending
Our Specialization
• We specialize in business loans through the U.S. Small business Administration (SBA) and the
U.S. Department of Agriculture
o SBA 7(a), 504, and USDA
o Business vertical dedicated to franchise financing
• Our footprint is nationwide
• Over 70 years of SBA lending experience
• We are a National Preferred SBA Lender
• Financing solutions for franchisees:
o Acquisition
o Refinance
o Expand or Relocate
o Start-up
o Equipment Financing
9. Government Guaranteed Lending
7(a) Program
• Loans from $200,000 - $5,000,000
• 10 year amortization on tenant improvements
• 25 year amortization on real estate
• Loans available nationally
10. Government Guaranteed Lending
504 Program
• For fixed assets such as land and buildings
• Loans from $500,000 – $9 Million
• Up to 90% financing
• Down payment as low as 10% (for qualified projects)
• Competitive variable and fixed rates
11. Franchise Lending
Bancorp Business Proposition
• Over 30 years of experience working with national franchisors
• Our professionals have over 40 years of experience with SBA lending
• We pre-qualify and underwrite franchise concepts for a quick turn around
• We have dedicated underwriting and closing teams
• We have streamlined processing, resulting in easier closings
on loan requests
12. Franchise Lending
Our Differentiation
• We offer a 3 year fixed rate on 10 year term loans
• Offer resetting fixed rates period for Real Estate financing with a
• Offer 100% financing for existing franchisees, to remodel or purchase
equipment per brand updates
• Vehicle Financing = we can approve and provide leases for your vehicles
• Financing up to 3 units in 1 loan
• Loans to start-ups
• Loans include working capital
25 year term
through our leasing department
13. Franchise Lending
Conversion Facts
• Pre-qualify and issue a term sheet in 48 hours
• We underwrite our franchise borrowers in 5 – 10 days
• Average of 45 days to close non-construction deals
• Average of 60 days to close leasehold construction deals
• 95% of pre-qualified borrowers receive Commitment Letters
• 93% of our accepted Commitment Letters result in closing
14. Franchise Lending
Facts and Figures
We have a dedicated business vertical for franchise lending with 47% of all loans in our
portfolio being franchise loans.
Average franchise loan size $477,698
1%
3%
33%
14%
6%
23%
20%
FRANCHISE LOAN ORIGINATIONS
15. Franchise Lending
4 Steps for Brand Approval
Receive current FDD & franchise agreement
& confirm if you are in the franchise registry
Q & A with franchisor to underwrite concept in
advance* of first application
Provide profile of lending options for franchise
Establish contact with franchisee
*Bank will review FDD and send questions to the franchisor. This information will share metric and facts to test projections and help us understand
site and candidate selection. We may also want to understand closure and growth plans.
16. Franchise Lending
Borrower’s Process
Quick
Screen
Term
Sheet
Application Underwriting Closing
Franchise Lending
Borrower’s Process
24
Hours
5 days
Borrower
Depending
7 – 10
days
Avg.
60
days
Business
Relationship
Officer
Business
Relationship
Analyst
Borrower Credit
Officer
Loan
Administrative
Officer
17. Franchise Lending
How can we help you open more stores?
Brand Champion BRO* to work with your
franchisee
Our franchise team will assist your candidates through the
application, SBA approval, and closing all while meeting the
franchise opening date
We create specific underwriting and closing standards for your
brand
Note: *Business Relationship Officer
Our closing process is specific to your brand needs and
coordinated with your opening and training schedule
20. Executive Team
Government Guaranteed Lending
Diane Gallion brings more than 35 years in the Real Estate, Commercial,
Construction, Franchise and Government lending industries to bear in her position as
Senior Vice President of the Government Guaranteed Lending Team at The Bancorp. In
her capacity as a 13-year National Instructor for the Government Lending Association
(NAGGL), Diane has been honored multiple times for both her industry knowledge as
well as her process management expertise. Diane serves on the Board of Directors at
the NAGGL, where she represents lending in the 7(a) program. She is responsible for
assembling this dynamic team of industry leaders at The Bancorp. Diane and her
colleagues are eager to guide you through the loan process from start to finish.
21. Executive Team (continued)
Government Guaranteed Lending
Michael Bland has more than 17 years of SBA, USDA, and conventional
underwriting experience, analyzing projects from $100K to $15 million in size. A
graduate of Indiana University’s Kelley School of Business, he has won multiple
underwriting awards during his career. He currently oversees a team of underwriters
that includes franchise knowledgeable to handle SBA 7a, 504, and Express loan
requests.
Patrick Hunt has more than 11 years of SBA, Real Estate, and Commercial loan
experience including the due diligence collection and closings for transactions up to $20
million in size. A professional banker with formal SBA certifications and expertise, he
has been honored many times for leading a team of experienced professional s who
efficiently close loans while ensuring bank and SBA requirements are met. He currently
oversees our national processing/closing team with franchise specific expertise for all
SBA loan requests.
23. Robert Hernandez brings more than 30 years of corporate banking and
franchising experience to The Bancorp Bank. An expert in Commercial and Franchise
lending, he has originated more than $360 million in Government Guaranteed loans
nationwide over the course of his banking career. Robert is responsible for maintaining
banking relationships and coordinating the lending process for franchisors and
franchises nationwide. Robert has a dedicated team in PA, TX, IL, and NV to assist our
clients.
Brand Representative
Government Guaranteed Lending
24. How can we put our
resources to work to grow
your brand?
Banking services provided by The Bancorp Bank
General Inquiries:
GovernmentGuaranteed@thebancorp.com
