RapidAdvance’s Flexible Loan Program A unique product that can be offered to higher credit quality merchants that are looking for something more similar to a traditional loan product.

Loan Product Benefits Less expensive than a standard MCA Structured with a fixed repayment through a daily ACH (ACH occurs Monday- Friday) Allows merchants with low merchant processing but high gross volumes to get more capital then on an MCA platform

Loan Program Requirements Repayment based on total monthly revenue as verified from bank statements For the 4 and 6 month loan the merchant must have been in business for at least 4 years For the 8 month loan the merchant must have been in business for at least 5 years Bank statements must show an average daily balance of $5,000 Minimum FICO is 650 Other standard RapidAdvance underwriting conditions apply

How the Loan Program Works Minimum loan amount $15,000; Maximum loan amount $150,000. Fixed ACH for repayment. Split funding or lockbox not required. Max Repay amount = 8% of monthly gross is preferred, maximum is 10% of monthly gross. A 2% origination fee (of loan amount), 1% on renewals and a $250 processing fee will be charged on all funded deals. Both fees will be deducted from the advance amount prior to funding. Requires a full personal guarantee and UCC-1. Merchants are eligible for a renewal once they are 70% paid off.

Loan Cost Scenarios Calculated Scenario: (4 month program) Merchant Advance = $20,000 Payback Amount = $23,600 80 Payments of $271.26 Factor Rate – 1.18 Calculated Scenario: (6 month program) Merchant Advance = $20,000 Payback Amount = $24,400 120 Payments of $203.33 Factor Rate – 1.22 Calculated Scenario: (8 month program) Merchant Advance = $20,000 Payback Amount = $25,400 157 Payments of $161.78 Factor Rate – 1.27 5

Loan States Currently, loans can be offered in most states However, loans cannot be offered in Rhode Island, New Jersey, and Montana Certain Restrictions may apply in other states