Show Me the Money: Financing Strategies for Small Business Business Matchmaking Event, Houston December 10, 2003

2 Newtek Small Business Finance A non-bank lender specializing in issuing SBA loans in all 50 states. Exclusively focused on lending to small businesses. Open to lending in all business categories allowable under SBA policy. One-of-a-kind online loan application with quick pre-qualification. Experienced, courteous and accessible staff to provide high quality support to clients as they apply for a loan.

3 SBA Loan Characteristics Loan amounts up to $2 million Longer amortization (7 to 25 years) Reasonable collateral requirements Competitive interest rates (variable rate with a spread over Prime) No balloon payments Will consider financing startups Wide range of acceptable uses of proceeds including to purchase commercial real estate, machinery, equipment and inventory, as well as to refinance debt and fund working capital and business acquisitions

4 General Application Requirements Business plan (history of business and owners) Loan proposal, including detailed use of proceeds and anticipated benefits of the loan Personal tax returns – each owner for the last two years Business tax returns – for the last three years (if applicable) Profit and loss projections Current interim business financial statements Description of the collateral offered as security

5 Lender Evaluation Criteria Clean personal credit history for each owner Clean credit history for the business Ability to make monthly interest and principal payments Cash injection by the borrower Relevant industry experience for each owner Adequacy of the collateral in relation to the loan

6 Menu of Newtek Services Small Business Lending Electronic Payment Processing Outsourced Bookkeeping and Controller Services Tax Filing, Preparation and Advisory Services