1. MainSource Bank & The SBA

2. Company Overview Founded in 1904
Community bank headquartered in Greensburg, IN
$3.4 billion in Total Assets
900 Employees
Preferred Lender of the SBA
Ranked 3rd in Indiana in loan approvals year to date for SBA 7A loans

3. Agenda Preferred Lender Program Working With Your Banker
Qualifying for a business loan

4. Preferred Lender Program
Stream lined approval process on SBA Loans
Improves closing timelines & improves efficiencies for the bank in the SBA loan process
MainSource employs a staff dedicated to SBA lending to help both its customers and bankers through the process

5. Working With Your Banker
Work with you to understand your lending and banking needs
Focused on knowing your business and growing its relationship with the bank
A strong knowledge of business lending and how they can get your business qualified
Fast local deliveries of banking products
Guidance through the lending process

6. Qualifying for a Business loan
Obtaining a loan
5 Cs of borrowing
Do I need an SBA loan guarantee
Benefits of SBA lending

7. Obtaining a Business Loan
MainSource looks for these factors when making its loan decisions:
Cash Flow- coming and going of cash in a business
EBIDA- Earning Before Income Depreciation & Amortization
Balance Sheet- collateral analysis
Personal Financial Statements- picture of the individuals financial position

8. 5 Cs of Borrowing
Capacity
Capital
Collateral
Conditions
Character

9. Do I need an SBA Guarantee
Collateral Shortfalls
Industry Risk
Need for less Down Payment
Higher loan to values
New Business

10. Benefits of SBA Lending
Expand the Credit Box
Allows us to approve loans that we normally would decline through our conventional loan process
Potential longer loan terms- help cash flow
Lower cash injections
Mitigate collateral shortfalls

11. Summary Preferred Lender Program- allows for a speedy SBA process
Banker Relationship- key to helping you and your business navigate the lending process
SBA or Conventional- the bank and banker can work with you to determine which is best for your lending needs

12. Contact Information
Ryan Murphy AVP, Business Banker – Office – Cell Mark Schoettmer VP, SBA Director – Office – Cell