offered throughoffered through

Capital Loan ProgramCapital Loan Program

Acadia Mortgage Solutions Inc.

Acadia Mortgage Solutions Inc.2

What is the Capital Loan Program?

Financing through Acadia Mortgage Solutions from an institutional lender

Specialized in small commercial & income producing properties

Programs designed to meet the needs of small business owners & investors

Equity-based lending (with a credit component)

Loans always secured by the commercial real estate

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Traditional Money Sources

Banks & Credit Unions

Trust Companies

Mortgage Bankers

Investment Bankers

Private Funding

Acadia Mortgage Solutions Inc.4

Capital Loan Program’s Place?

CAPITALCAPITALLOANLOAN

PROGRAMPROGRAMTraditional Lenders Private Funding

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High Application / Commitment Fees

Reasonable fees!High Application / Commitment Fees

Availability/stability inconsistent & variable based on many market factors

YOU ARE THE FOCUS! This program is a stable solution that specializes in

small commercial mortgages (programs are designed specifically for small business owners,

investors and business-for-self clients)

Availability / stability dependent & variable based on lender’s

philosophy and business goals

Reasonable DSCR (1.20 as a benchmark)

Strong DSCR (1.40 or more)

No Cross-Collateralization requiredCross- Collateralization Underwriting requirements variable by investor

Flexible Underwriting Guidelines (Common Sense Approach)

Loan Committee Underwriting

Short Term Loans / Temporary Solution

Mid-Term and Long-Term Solution (absolute min. 2 yrs)

1 to 5 year terms

All Property TypesMany Property TypesMarketable Properties

Environmental VariesEasy Environmental ProcessEnvironmental Phase I & II

Minimal DocumentationLimited Documentation (Stated Program)

Full Documentation

All Credit ConsideredWide Credit RangeStrong Credit

Fast ClosingsQuick ClosingsLong Closings

Case-by-case LTVsHigh LTVsConservative LTVs

Higher RatesIntermediate RatesBest Rates

Private MoneyThe InterBay LoanTraditional Lenders

Small Commercial Lending Arena

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Traditional Lender Requirements Full document programs often require the following documents as a

minimum, sometimes just for a pre-approval…

Bank Credit ApplicationBackground Information SheetState of Personal HistoryManagement RésuméPersonal Financial StatementT4, T1, Notice of AssessmentFinancial Information: Business, Personal, & Affiliate Tax ReturnsCopy of Purchase Agreement

Lease AgreementCopy of Business LicenseEquipment ListingSchedule of Business DebtEnvironmental Phase 1 & 2Insurance InformationOperating StatementsRent Roll

…and more…

The Capital Loan Program is a low-document program designed to consider the special needs of

small business owners and business-for-self clients!

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Who Needs the Capital Loan?

Clients under-served by traditional lenders due to: Inability / Unwillingness to provide business and personal

documentation

Fast service required

Too much credit exposure to the bank

Loan requested is under bank’s minimum loan amount

Requirement of significant cash out (Equity Take-Out)

Higher LTV needed

Secondary financing needed behind bank’s loan offer

Changes in bank lending philosophy

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Who needs the Capital Loan?

As an alternative to private financing solutions due to: Need for higher LTV

Need / desire for Lower Fees

Need / desire for lower interest rate

Need / desire for longer term

Ability show improved credit situation

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Loan AmountsLoan Amounts

$100,000 - $1,200,000$100,000 - $1,200,000

Multi-Family (5+ Units)

Office

Retail

Automotive

Rooming House

Hotels / Motels

Mixed Use

Light Industrial /Warehouse

Self Storage

Carwash

Bed & Breakfast

Funeral Homes

Restaurants

Daycares

Resorts

Campgrounds

Mobile Home Parks

Property Types

The Capital Loan Program

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Non-Eligible Properties

Traditional Churches (no alternative use)

Raw Land and Farms

Construction / Interim Financing

Business Loans

Health Care Facilities that dispense medications(hospitals, nursing homes)

Gas Stations

Adult Entertainment Facilities

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Mixed Use - $145,000 A+ Credit Borrower LTV 80% Owner Occupied BDM visited broker and

helped with marketing First commercial property for this client Closed in 38 days

Deal View # 1. . .

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Automotive - $435,000 Owner occupied Bank not willing to

consider due to possible environmental concerns with this type of property

Local bank branch referred the client to the mortgage broker

Deal View # 2. . .

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Office / Retail - $606,750 Significant cash-out Client did not have

financials required at bank Owner received

advertisement from broker Deal closed in 31 days

Deal View # 3. . .

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Retail / Office - $920,000 Borrower’s credit 685 LTV 75% Investment property Expedited service from Lawyers Closed in 45 days

Deal View # 4. . .

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Hotel / Motel - $1,000,000 Refinance – cash out to purchase another

property Client was referred to broker by their real

estate agent Credit improved from A- to A in process Appraisal came in higher than anticipated (+195k) Deal closed in 59 days

Deal View # 5. . .

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