Standard Commercial & Non-QM Commercial Loan Options

Standard Commercial Seeking the capital to set your small business on a growth trajectory? Discover the advantages of SBA loans - the unparalleled financing option beyond traditional lending. We proudly offer SBA 7a and 504 loans, backed by our trusted capital partners. Benefits of SBA Loans: Extended repayment options up to 25 years 📆 Down payments as low as 10% 💰 Versatility in how you use the funds 🔀 Reduced monthly outflows 💸 SBA 7(a) Highlights: Perfect for kickstarting, expanding your venture, or buying business property and equipment 🏢 Up to 25-year terms for real estate-related needs 🏠 10-year repayment for equipment, startups, business takeovers, and partnership buyouts 🛠 Loan sums between $350k and $5M 🌐 SBA 504 Features: Ideal for major asset acquisitions: real estate, machinery, etc. 🏭 Full 25-year terms for real estate ventures 🌆 Borrow between $350k and a whopping $10M 📊 Enjoy stable long-term fixed rates on parts of your loan for up to 25 years 📉 How Can You Use SBA Loans? Real estate deals, from purchases to expansions 🌇 Elevate your leasing spaces 🔧 Acquire equipment, stock up, or spruce up with furniture 🪑 Refinancing your eligible SBA debts ✅ Takeover a running business or buy out partners 🤝 Spread your franchise wings to new sites 🌍 Initial Documents Last 3 years of personal tax returns with all pages Last 3 years of business tax returns with all pages Two forms of government IDs Personal Financial Statements

Standard Commercial Financing options​ • Development Loans • Freehold Construction Loans • Condominium Construction Loans • Commercial Construction Loans • Land Loans • Agriculture loans • Equipment Financing • Line of Credit • Working Capital ​We offer expertise in specific business segments including: • Agriculture • Equipment Financing • Franchise • Real Estate • Physicians

Standard Commercial Equipment Finance Solutions • Express leases Quick and simple approval and documentation for leases/loans under $250,000 • Vendor leases TDEF partners with select manufacturers to increase their profitability • Lease lines of credit A pre-approved lease line that makes it easy to draw from and add schedules with limited additional documentation • Equipment loans Traditional financing to purchase the equipment your business needs • Capital/finance leases Lessee keeps the tax benefit as the asset is recorded on balance sheet, choosing from fixed or minimal purchase option ($1.00) at end of the lease* • Fair market value leases (including off-balance sheet) Lease can be structured as off balance sheet for the lessee who has the flexibility to purchase the equipment for its fair market value, renew the lease or return the equipment at the end of the lease* • Sale–leasebacks Increase your cash position by selling owned assets to TDEF and then leasing them back from TDEF • Synthetic leases Lessee maintains tax benefits and gets off balance sheet treatment—with a pre-determined fixed purchase option at the end of lease* • Tax-exempt loans and leases Reduced rates are available to qualified 501c3 non-profit businesses because interest is exempt from federal taxes • Tax-oriented leases Lessor passes tax benefits to the lessee in the form of a reduced implicit rate* • Terminal rental adjustment clause (TRAC) leases For qualified over-the-road vehicles where lessor passes tax benefits to Lessee and includes a predetermined, fixed end-of-lease purchase option* • Split TRAC leases For qualified over-the-road vehicles where the lease can be structured so that a portion of the assets are recorded off balance sheet for the Lessee* • Non-admitted assets lease Financing of new or existing qualified capital equipment under a lease line or sale-leaseback structure to help improve Insurance companies' Risk-Based Capital position* Industry Supports: • Construction and manufacturing • Surface transportation Aviation • IT and office furniture and equipment • Healthcare information systems, equipment and emergency transportation • Energy-saving equipment and renewable energy options • Insurance • Government Agencies

Factoring is the funding of accounts receivable by selling quality debtor accounts to gain immediate cash. It is not a collection agency, nor does it purchase delinquent accounts. ​ Factoring Can Help You Thrive: • Improve cash flow by clearing accounts receivables faster • Gain operating capital without incurring debt • Optimize your inventory • Be ready for unexpected costs and market cycles • Grow your capacity to take bigger orders • Have the cash to utilize vendor discounts • Improve your credit status • Save credit loss, credit research and bookkeeping costs • Make tax deposits on time Initial Documents: • Factoring application • Copy of the Certificate of Incorporation, Articles of Incorporation, DBA certificate, or Partnership Agreement of your company. • Recent Balance Sheet and Profit & Loss Statement and or current tax return on your company • Aging of your accounts receivable • Aging of your accounts payable