1. Kiva ZipCommunity Advantage SBA 7(a) 504 Real Estate Operating Company $5,000$12.5 MM CEI 7(a) Financing LLC C7a compliments and expands CDFI partners lending capacity Inclusion in LISC Suite adds a further dimension

2. SBA 7(a) – compliment to CDFI partner’s lending Larger loans up to $5 MM -> for-profit, operating companies Wide range of permissible uses -> real estate, equipment, permanent working capital, business acquisition, etc. Maximum rates are currently 6% floating and approximately 8% fixed and fully amortizing over the term Cash flow loans – minimum required DSC is 1.2 Benefits to borrower Inadequate collateral (don’t need to be fully collateralized) “Short” profitable operating history Longer term required to make the numbers “work”

3. CDFI Partners – benefits of SBA 7(a) Benefits to CDFI Partners Expanded lending capacity and product line Generate earned income Deploy capital into referred loans - different risk profile than subordinated loans Foster additional relationships / community engagement Sources for deals Existing pipeline Portfolio companies “graduating” to larger loans New and existing referral Networks ‒Relationship banks (expanded bank relationships for CDFIs) ‒“Second look” programs ‒Compliment bank lending (lending limit/credit constraints existing customers)

4. SBA 7(a) Loans Referrals Ethnic restaurant purchasing building it currently leases ($ 1.2 MM) Business acquisition of an architectural metalwork manufacturer ($300,000) Granola manufacturer expansion / facility acquisition ($2.1 MM) Start-up firewood business – big box retail customers ($400k) “Start-up” logging operation / previous bankruptcy ($1.4 MM) Boatyard refinancing – operating loan alongside real estate loan ($900,000) Programs / Specialty Industry Niches Employee ownership – ESOP Socially Oriented VC Funds / Angel Investors - take-outs Tenant improvements and long term working capital - commercial building tenants