1. Wells Fargo SBA Business Loans Dave Phillips Business Development Officer As of September 1, 2011 2009 Wells Fargo Bank, N.A. All rights reserved.For public use.

2. Small Business Environment

A tougher economy for small businesses

• Financial results and cash-flow are strained

Businesses that are ready to grow may still need or want to conserve capital and preserve cash-flow

Limited financing options

• Banks have tighter credit standards

• Typical bank loans require high down-payments

An essential time to have sound financial advice

SBA financing can be a viable financing solution

3. Overview of SBA Loans

SBA 7(a) Flagship Program

• Loan Sizes up to $5MM

• Utilized for many business purposes including:

• • Real estate purchase, construction and refinance

• • Business acquisition / partner buy-out

• • Equipment purchase, expansion and start-up financing

• • Combination of all with one loan

SBA 504 Real Estate Program

• Loan Sizes up to $9MM; Project Sizes up to $12MM

Size limitations most businesses qualify

For-Profit business only

4. SBA Program Qualifiers

Size of Business

Retail - $6-8MM annual sales

Distribution 100 or less employees

Manufacturing 500 or less employees

SBA regulation has increased size eligibility to