Commercial Real Estate Solutions

Index

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Tenant & Capital

Improvements

Ground-Up Development

Financing & Joint

Ventures

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OverviewFine Point has provided a broad range of commercial construction services for property and business owners in the Phoenix Metro marketplace for many years. These services range from painting and custom finishes, on nearly every scale, to the renovation or restoration of properties and businesses across the valley. Over the past year we have focused on building relationships with various professionals within the commercial real estate space, as well as with several lending and financial institutions, and are very happy to announce the offering of a very comprehensive set of solutions for commercial brokers, property owners and business owners alike.

Some of our clients:

• Red Robin • Honeywell• OMNI Hotels• Choice Hotels• Optima Properties• PENSKE Automotive• Lone Star Steakhouse• Arizona Biltmore Resort & Spa

Our offerings consist of all-inclusive Capital & Tenant Improvement solutions, and through our partners, complete or joint CRE project financing, business expansion financing, and even Joint Venture possibilities with contractors, developers and investors in commercial real estate.

Please review some of our examples included within this slideshow and if you have any questions or would like to set up a time to meet, please contact Jim Bates at 602-791-3868 or email me at jbates@finepointfinishes.com.

Tenant / Leasehold Improvement Services

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Audience • Restaurant / Bar owners• Small business or franchise owners• Business Professionals and doctors or others within the medical industry

Space Remodel Solutions • Fine Point can provide end-to-end Tenant Improvement Services from

design conception to complete space build out.

Financing Solutions • 10 year loan. • Up to 100% financing depending on business cash-flow & borrower credit. • Financed monies can be purposed for remodeling costs, equipment &

furniture, 6 months working capital and also for the consolidation of existing business debt related to their respected business.

Scenario 1 – Existing business looking to remodel their existing leased space

Tenant / Leasehold Improvement Services (cont.)

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Scenario 2 – Existing business looking to move to or open a new space – leased

Financing Solutions • 10 year loan• Up to 100% financing depending on business cash-flow &

borrower credit• Financed monies can be purposed for remodeling costs,

equipment & furniture, 6 months working capital and also for the consolidation of existing business debt.

Space Design & Build-out or Remodel Solutions • Fine Point can provide end-to-end Tenant Improvement Services

from design conception to complete space build out or remodel.

Audience• Restaurant / Bar owners• Business Professionals and doctors or others within the medical

industry

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Scenario 3 Franchises – Start-ups or Independent – looking to open in a leased space.

Tenant / Leasehold Improvement Services (cont.)

• Bars & Restaurants, Fast Food, Bakeries & Delis, Coffee Shops, Beauty Salons, Clothing Stores, Fitness Centers, Automotive related, Education centric, Convenience stores, etc.

Audience

• Fine Point can provide end-to-end space build-out solutions from design conception to complete space build out. We can also build-out in accordance to the corporate architectural and design mandates of a master franchisor.

Space Remodel Solutions

• 10 year loan• Up to 80% financing of the total project

cost depending on the credit & financial condition of the borrower

• Project costs can include space design & build-out, equipment, furniture, soft costs, franchise fee, working capital for 6 months and closing costs.

Financing Solutions

Capital Improvements / Renovations & Ground-Up CRE Project Services

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Scenario 1 – Business owner wants to remodel or renovate their current commercial building / property

Audience – Business owners who own the building(s) where their current business is located and who want to remodel, renovate or expand the size of their commercial building(s).

New Design & Build-out Solutions – Fine Point and our partners can provide complete new design concepts and renderings for the renovation as well as all of the rough & finished construction related services involved.

Financing Solutions • 25 year loan – this requires at least 51% of the financed funds to be used for the owned

real estate – dirt and/or building • Up to 90% financing (the value of the land could represent the other 10% owner equity

depending on whether it if financed or owned outright) depending on the credit of the borrower

• Financed monies can be purposed for the project build-out, soft costs, equipment, furniture, closing costs and paying off any existing business related debt they may have.

Capital Improvements / Renovations & Ground-Up CRE Project Services

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Audience • Business owners who own the commercial land where their business is or will be located • Business owners who want to buy commercial land and build where their business will be located

Construction & Build-out SolutionsFine Point and our partners can provide end-to-end construction solutions for any build-to-suit project starting with the architectural and design plans and continuing through to the completion of the finishing details of the interior design elements.

Financing Solutions • 25 year loan – this requires at least 51% of the financed funds to be used for the owned real estate – dirt

and/or building • Up to 90% financing (the value of the land could represent the other 10% owner equity depending on whether

it if financed or owned outright) depending on the credit of the borrower• Financed monies can be purposed for the project build-out, soft costs, equipment, furniture, closing costs and

paying off any existing business related debt they may have.

Scenario 2 – Business owner owns the dirt & wants to build

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Conventional Commercial Real Estate Project FinancingScenario 1 – Land or Property currently owned

Financing Solutions • 15 – 24 month interest only lease-up & construction phase loan at

75% of the lesser of the project’s LTC (loan-to-project cost) or post build-out LTV… if land has been owned by borrower for at least 2 years, the current land / building value can stand in for the owner(s) 25%

• Existing debt secured by the existing land / building(s) can be payed off with the new loan

• $12 million loan cap• Pre-leasing is required that would cover 1x debt service• After project build-out and lease stabilization, a mini-perm loan of

up to 5 years – P&I based on 20-25 years amortization – would be available with a 5 year balloon payment / call.

Audience – Commercial land & building owners looking to make capital improvements (additions, renovations, restorations, etc.) to their owned land and/or buildings

Construction and Build-out Solutions – Fine Point and our partners can provide end-to-end construction solutions for any build-to-suit project starting with the architectural and design plans and continuing through to the completion of the finishing details of the interior design elements.

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Conventional Commercial Real Estate Project FinancingScenario 2 – Land or Property not currently owned

Audience – Commercial real estate investors looking to finance a not-currently owned project

Construction and Build-out Solutions – Fine Point and our partners can provide end-to-end construction solutions for any build-to-suit project starting with the architectural and design plans and continuing through to the completion of the finishing details of the interior design elements.

Financing Solutions • Maximum loan at 75% of the lesser of the project’s LTC (loan-to-project cost) or post build-out LTV • $12 million loan cap• Loan up to 5 years – P&I based on 20-25 years amortization – would be available with a 5 year balloon payment / call.• The build-out / project development cost portion of the loan would be advanced over the build-out phase… typically between 15 –

24 months

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Some more of our amazing clients and properties where we’ve had the pleasure to work!

OMNI Hotels

Arizona Biltmore

Phoenix LDS Temple Pinnacle Peak

Honeywell Penske Arizona State University

Choice Hotels

Red Roof Inns

Dutch Bros. Coffee

Lone Star Steak Houses

Royal Palm Resorts

Red Robin Burgers

OptimaProperties

Thank you for taking the time to review the information included within this slideshow.If you have any questions regarding how our team

can assist you with…

Commercial Real Estate Project

Financing

Ground-up Commercial Property

Build-out

Commercial Renovations or Reconstruction

Solutions

Tenant & Capital Improvement

Design & Build-out Solutions

… please contact Jim Bates at 602-791-3868 or email me at jbates@finepointfinishes.com.Have a great day!