CM Lenders Product Guide

ASSET BASED LENDING
 Sector:  Manufacturers, Distributors and Wholesalers
 Use of Proceeds:  Purchase inventory & fund operating expenses
 Collateral:  AR, INV, EQUIP, RE
 Rate:  8% - 18%
 Term:  12 - 36 mos
 Deal Size:  $500K to $25M
AR FUNDING
 Sector:  Staffing, Transportation & Service Companies
 Use of Proceeds:  Make payroll, cover operating expenses
 Collateral:  ACCOUNTS RECEIVABLE
 Rate:  8% - 24%
 Term:  12 - 24 mos
 Deal Size:  $25K to $25M
CONSTRUCTION FACTORING
 Sector:  Subcontractors and Self performing GCs
 Use of Proceeds:  Make payroll, cover operating expenses
 Collateral:  ACCOUNTS RECEIVABLE
 Rate:  15% - 24%
 Term:  As needed
 Deal Size:  $25K to $10M
SPOT FACTORING
 Sector:  Manufacturers, Distributors & Service Companies
 Use of Proceeds:  Occassional funding to smooth out cash flow
 Collateral:  ACCOUNTS RECEIVABLE
 Rate:  18% - 24%
 Term:  As needed
 Deal Size:  $25K to $25M
EQUIPMENT FINANCING
 Sector:  Manufactures and Service Companies
 Use of Proceeds:  Aquire assets and fund expansion
 Collateral:  EQUIPMENT
 Rate:  6% - 18%
 Term:  36 - 60 mos
 Deal Size:  $250K to $25M
SBA TERM LOANS
 Sector:  Manufactures and Service Companies
 Use of Proceeds:  Partner buyouts, debt refinance, new property
 Collateral:  ALL ASSETS
 Rate:  6.75% - 7.2%
 Term:  15 - 25 yrs
 Deal Size:  $100K to $5M
PO FINANCE
 Sector:  Distributors and Wholesalers
 Use of Proceeds:  Pay suppliers for confirmed orders
 Collateral:  INVENTORY AND AR
 Rate:  18% - 24%
 Term:  As needed
 Deal Size:  $25K to $25M
INVENTORY FINANCE
 Sector:  Distributors and Wholesalers
 Use of Proceeds:  Purchase inventory and fund growth
 Collateral:  INVENTORY AND AR
 Rate:  12% - 24%
 Term:  12 - 24 mos
 Deal Size:  $500K to $25M
BRIDGE/HARD MONEY LOAN
 Sector:  All types
 Use of Proceeds:  Manage unexpected opportunities or challenges
 Collateral:  NAMED ASSETS
 Rate:  12% - 30%
 Term:  As needed
 Deal Size:  $500K to $25M