1. March 6, 2015 FINANTA Luis Mora luismora@finanta.org 267-236-7001

2. FINANTA: FIN ancial AN d TA:  Mission driven nonprofit lender  In business since 1996  Facilitate access to capital, TA, and affordable commercial / office space  Philadelphia and surrounding counties  Loans from $400 to $3.3 million

3. FINANTA  $41 million in loans (910 loans / 605 borrowers)  We serve:  Micro & Small Businesses  First-Time Homebuyers  First-Time Consumer Borrowers  Nonprofits  We are a CDFI/CDE, PHFA lender, & PA CDFI  Among top 5 SBA Microlenders in the country  FiCDC

4. Activity Since 2010 Total Lending – $11.4 million, 613 loans (6 consumer loans $7,200) BIZ > $50K 21 loans / $4 million MORTGAGES 32 loans / $2.7 million PRECAPS 475 loans / $3 million BIZ <= $50K 85 loans/ $1.7 million Lines of Credit 9/$200,000

5. PRECAPS Groups (PGs) Overview  Founded in 2011, PGs is based on the affinity group model where members access their own capital, popular in other countries and in the USA by immigrant groups  The FINANTA model provides group members access to individual microloans in cycles with technical assistance emphasizing credit building, accounting and marketing  PGs targets affinity groups tied by culture, geography, family, or industry

7. Case Study – Los Cumplidos  Latino grocery and multi-service store owner  Loans began at $1,700 in Cycle #1 and $15,000 in Cycle #4 Los Cumplidos’ Antonio de Leon in his business, Josue Grocery, located in West Kensington

9. Case Study – Woodland African Unity  West African variety stores located on Woodland Ave in SW Philadelphia  Loans began at $763 in Cycle #1 to $15,000 in Cycle #4 Woodland African Unity group members

10. WOODLAND AFRICAN UNITY – GROUP SUMMARY, FEB 2015 # 1st Cycle 2nd Cycle 3rd Cycle 4th Cycle Total Loaned Loan Growth Rate Income Status W/MBE Initial Score Current Score Change in Score 1 $1,000$2,500$5,000$15,000$23,500147% Very LowM 6436452 2 $500$2,500$5,000--$8,000216% Very LowW/M 627619(8) 3 $1,000$2,500$5,000 $13,50071% ModerateM 53757841 4 $1,000$2,500$5,000$15,000$23,500147% ModerateW/M 57559318 5 --$2,500$5,000$15,000$22,500145% Extremely Low W/M 6726819 6 $500$2,500$5,000$15,000$23,000211% Very LowW/M 557538(19) 7 $500$2,500$5,000$15,000$23,000211% LowM 756586(170) 8 $1,000$2,500$5,000$15,000$23,500147% Very LowM 62266947 9 $1,000$2,500$5,000$15,000$23,500147% Very LowW/M 51853416 10 $1,000$2,500$5,000$15,000$23,500147% Very LowW/M 59961819 11 $1,000$2,500$5,000--$8,500124% LowW/M 5295334 12 --$2,500$5,000$15,000$22,500145% LowW/M 6997045 $8,500$30,000$60,000$140,000$238,500 611608(3)

12. Our Partners NALCAB TD Bank Bank of America CDFI Fund Citibank Citizens Bank Philadelphia Commerce Department Philadelphia Foundation National Penn Bank Small Business Administration Tides Foundation Wells Fargo