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About Us LISC Small Business is committed to serving small businesses: the backbones of communities and the drivers of job creation, innovation, and economic opportunity. We are an affiliate of the Local Initiatives Support Corporation (LISC), the countrys largest community development support organization. Since 1979, LISC has invested more than $14 billion to help transform distressed neighborhoods into good places to work, do business, and raise children. Our Lending Philosophy We are committed to developing underserved businesses overlooked by traditional financing channels. As a mission-oriented lender, we offer flexible loan options from $1,000 to $5,000,000. Whether youre looking for a crowdfunded microloan or a larger term loan, we have a financing option that fits your business needs. For those entrepreneurs who need a little extra help, we provide free technical support. 1

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Loan Products & Advisory Services Loan Products SBA 504 SBA Community Advantage Kiva Zip Advisory Services LISC Insight BusinessAdvising.org 2

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SBA 504 Loans Eligible borrowers: For-profit small businesses located in one of LISCs 30 program cities or in a Rural LISC program area. Borrower must have an acceptable personal credit score (above 680) and a minimum of two successful years in the industry in which they are requesting financing. Project must be located in a NMTC-eligible census tract. Property must be multi-purpose. Uses: Funds may be used for real estate acquisition and capital improvements in which the borrower occupies at least 51% of the property. SBA 504 loans provide 90% of financing - LISC loan finances 50% of project costs and SBA Debenture finances 40% of project costs. Loan Amounts: $400,000 to $5,000,000 (including the SBA debenture). Rate: Currently 3.5% to 4.0% fixed for seven years Moves to adjustable after initial seven years 3

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SBA 504 Loans 4

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SBA Community Advantage Loans Eligible Borrowers: Borrowers must be for-profit companies with net income under $5 million and net worth under $15 million 625 minimum FICO score. Start-ups are eligible. Uses: Business acquisition, equipment, inventory, working capital, real estate Loan Amounts: $50,000 to $250,000 Rate: Prime plus 2.75% to 3.75% % (currently 6-7%) 5

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SBA Community Advantage Loans 6

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Kiva Zip Loans LISC Small Business and Kiva Zip are partnering to advance a shared mission: expanding financial opportunities for underserved entrepreneurs and small businesses in the U.S. Kiva Zip is an online loan crowdfunding platform that enables entrepreneurs to get 0% interest small business loans up to $10,000 LISC Small Business is working with local LISC program offices and partner organizations to identify borrowers for Kiva Zip 7

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Kiva Zip Loans 8

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Support for Small Businesses Advisory services at national level LISC Insight: web-based financial management solution designed specifically for small business owners FundWell: small business financial health assistance and lender matching BusinessAdvising.org: matches small business owners with volunteer business advisors Advisory services specific to LISC programs: Small Business Development Centers: provide array of technical assistance to small businesses and aspiring entrepreneurs Others based on local relationships 9

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Web-based financial management system designed specifically for small business owners Consolidates business information into one app Providing small businesses with the same tools that enable large companies to thrive Advising program matches small business owners with experienced business advisors Matches are made based on the specific needs of the small business owner and the expertise of the advisor Advisors volunteer five hours per month and provide one-on-one guidance in the areas of marketing, management, operations, sales, finance, manufacturing, etc. 10

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Contact Information SBA 504 Loans Kelsey Hamory 312.697.5698 khamory@liscsmallbusiness.org SBA Community Advantage Loans Mary Los Klasen 312.697.6152 mlos@liscsmallbusiness.org Kiva Zip Loans Maddy Woodle 312.697.5694 mwoodle@liscsmallbusiness.org President Kevin Boes 312.697.6467 kboes@liscsmallbusiness.org SVP / Business Development Steve Petsos 312.697.6444 spetsos@liscsmallbusiness.org SVP Robert Poznanski 269.459.4123 rpoznanski@liscsmallbusiness.org SVP / CFO Matt Huber 312.697.6131 mhuber@liscsmallbusiness.org Website and twitter: www.liscsmallbusiness.org @LISC_SmallBiz 11