1. 5 Easy Steps to Access SBA Business Financing

2. How to Engage with the Go-to Webinar Interface Questions area in the task box Type us a question so we know you understand Ask us anything throughout the session

3. Intro: Tom Meyer Has been in the SBA Lending Industry for 16 years Has personally funded over 300 million in SBA loans Started Bridgeview Bank’s SBA Lending Division back in 4/2013

4. 2008: Before the Lending Crisis… and After…!

5. Step 1 – Understanding loan programs – Overview of SBA Loans ” SBA 7(a) – Flagship Program Loan Sizes – up to $5MM Utilized for many business purposes Real estate purchase, construction and refinance Business acquisition/partner buy-out Equipment purchase, expansion and start up financing Combination of all - with one loan 7-25 Year terms and amortizations Blended terms based on use of proceeds Lower equity requirements No prepayments penalties for loans under 15 years, 5%, 3%, 1% for loans over 15 years

6. Overview of SBA Loans SBA 504 Loan Program Loan Sizes – up to $11MM for General Purpose Properties Utilized for real estate purchase, construction and refinance Real estate purchase or construction Fully fixed rates 20 year terms and amortization Lower equity requirements

7. Elimination of the “Personal Resource Test” The SBA dropped its personal liquidity requirements for 7(a) and 504 borrowers earlier this year The personal liquidity of owners 20% or greater no longer has to be reviewed In the past, owners with high personal liquidity may have been required to inject additional cash into the project

8. Why SBA Loans SBA loans provide longer terms and amortizations with no balloon payments They offer favorable interest rates They allow a borrower to put down less equity injection Loans typically do not have covenants Similar to a home mortgage, make the payment on time and minimal lender involvement

9. Grow your business Acquire real estate, equipment other assets Purchase an existing business Several corporate executives leave corporate America and look to purchase existing small businesses Starting a new business Step 2 – Where can I use the money?

10. Step 3 – Know Amount Needed Real estate Equipment Purchase a business Working capital www.sbalendinghub.com Or call 855-SBAEasy

11. Step 4 – How Do I Prepare? What do I need? Corporate and Personal tax returns Current personal financial statement Current company financial statement Debt schedule

12. Step 5 – Talk to an SBA Lending Professional Why Saves time No obligation Quickly can qualify No cost to know Self qualify www.sbalendinghub.comwww.sbalendinghub.com

13. Sample Deals Done $3,719,000 -- Business Acquisition, Pet Supply Website $4,023,000 -- Business Acquisition, Tool & Die Company $1,137,000 -- Business and Real Estate Acquisition, Car Wash $905,000 -- Real Estate Refinance, Bowling Alley $2,800,000 -- Real Estate Construction, Auto Dealership $260,000 -- Start-Up, Car Wash $927,400 -- Business Acquisition, HVAC Company $422,500 -- Real Estate Acquisition, Restaurant $1,240,000 -- Real Estate Acquisition, Doctor’s office $492,800 -- Business and Real Estate Acquisition, Daycare

14. 7a Loan Structure Business Acquisition Acquisition purchase price$1,029,000 Working Capital $100,000 SBA guaranty fee $21,200 Business Valuation $2,500 Closing Costs $6,500 Total Project Cost $1,159,000 Financing StructureAmountRateTermPmt.  BBG SBA 7a loan (70%)$809,2006.00%10 yr.$8,983  Borrower equity (25%)$300,000  Seller Note (5%)$50,000 -10 year term and amortization -Collateral position 20% -Cash Flow coverage ratio: 2.02x 2012, 2.27x 2013, 1.34x 2014, 4.59x in 2015 interim Business Acquisition Example: Custom Lighting Manufacturer

15. 7a Loan Structure Real Estate and Construction Loan Land Acquisition$800,000 Working Capital $300,000 Construction $2,600,000 SBA Fees$73,000 Total Project Cost $3,773,000 Financing StructureAmountRateTermPmt. BBG SBA 7a loan (78%)$2,684,5006.00% 25 yr.$17,297 Borrower Equity (22%)$790,500 Express Line $300,000 -Collateral position 100% -Cash Flow coverage ratio: Business Start-up Real Estate Construction Loan Example: Urgent Care

16. 7a Loan to Start Up a Business Leasehold Improvements$13,750 Inventory$105,000 Furniture, Fixtures and Equip.$41,250 Working Capital$54,000 SBA Fees (Waived)$0 Closing Costs$6,000 Total Project Cost $220,000 Financing Structure Pre 2009AmountRateTerm BBG SBA 7a loan (68%)$150,0006.00%10 year Borrower equity (32%)$70,000 Start-up Retail Bicycle Shop

17. Borrowers can instantly find out if they pre-qualify for a SBA loan through SBALendingHub.com. Getting pre-qualified is as easy as 1-2-3! 1.Plug information into our short intake form 2.Get follow up information regarding business interests 3.Receive the results of pre-qualification SBA Lending Hub is powered by TomScore™, a simple yet powerful scoring model for confidentially prequalifying potential borrowers for SBA loans. SBA Lending Hub Powered by TomScore ™

18. Bridgeview Bank Group Chicago hometown community bank 14 locations $1.0 Billion in Assets #5 SBA 7a and 504 lender in 2014

19. Review - 5 easy steps Understanding the SBA loan programs Know what the SBA loan money can be used for. Know the amount you need Understand how to prepare Talk to an SBA lending professional

21. Who to Contact? Tom Meyer 224-543-4047 office 847-899-3793 cell thomas.meyer@bridgeviewbank.com Andy Lynch 224-543-4058 office andrew.lynch@bridgeviewbank.com 1175 Corporate Woods Parkway, Suite 100 Vernon Hills, IL. 60061