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CAPITAL AND MORE GROUP INC.

"Flexible Commercial Finance"

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We look forward to working with you and welcome your inquiries.

Before you contact us, please take a few minutes and read through the following "Compatibility Test" to determine if we can work together or not. Thank you.

Compatibility Test

1. Capital And More Group Inc. is a Private Investment Banker. We are not a direct lender. We function as a consultant and an intermediary between our clients and our direct lenders.

2. Our minimum Commercial Real Estate Loan amount is $10,000,000.00 and we can accommodate loans up to $100,000,000.00 plus.

3. Our minimum Asset Based Financing Loan amount is $500,000.00 and we can accommodate loans up to $100,000,000.00 plus.

4. Our geographical coverage includes the Continental USA, Alaska, Hawaii and Puerto Rico. Some financing products are available for Canada, Mexico, Central America and the Caribbean.

5. We do not work with loan brokers or loan intermediaries on any terms whatsoever.

6. We only work with the direct borrowers, sponsors and principals seeking financing.

7. If you are a direct borrower, a sponsor or a principal, please, carefully read through each of the following paragraphs before contacting us. Most of your questions regarding what we do, how we do it and what we charge for our services will be addressed below. We also provide a look at the financing terms generally available from most of our lenders below as well.

We only work with a very small and carefully selected group of some of the best, proven and leading private and non bank lenders in the United States of America. We also work with a very limited number of bank and/or bank affiliated lenders who have a non traditional and/or more flexible approach to loan qualification and underwriting.

We do not shop banks and other conventional financing sources for the best terms and rates. Capital And More Group Inc. is a Private Investment Banker with a focus on private and non bank financing for financing assignments that do not fit within traditional or conventional financing parameters.

Our approach to lending is different from banks and conventional lenders whose lending criteria has to conform to a pre-determined box. We take a more flexible approach to lending by extending a hand to proven entrepreneurs that have a demonstrated ability to create and add value. The proposed projects or business models must make good sense, be backed by sound collateral and be executed by capable management.

Our lending model is designed to cater to the alternative financing needs of brand new start ups, young and growing businesses, businesses that are financially challenged or in need of a turnaround and established businesses in most industries.

Our Private Investment Banking Consultation Services and our approach and execution of them is unique and different from anything in the marketplace that we know of in both the loan brokering circles and the investment banking circles. We offer a five (5) year relationship based Private Investment Banking Consultation platform which is designed to address the present alternative financing issues at hand as well as any necessary subsequent intermediate and long term financing goals that a client may have. We are not just simply a Broker, focused only on earning a quick fee or commission without regard to or understanding any of the deeper issues involved in a financing request and neither do we leave our client by the way side after solving the financing issue at hand when they may need more intensive and structured help or assistance to get to the next financing level. The other side of the coin is that unlike a fair portion of investment bankers who generally have significant retainers that are due on each separate financing assignment they take on, we have a different approach. We charge a modest Private Investment Banking Consultation Fee that entitles a client to our services on as many financing assignments covering as many different types of financing and asset classes as needed over the five (5) year consultation period. We discuss our approach in more detail below.

Our very first goal is to know and understand our client's business and get a firm grasp of the current financing challenge or challenges they are facing. We then help the client to advance using one or more carefully structured, alternative private financing solutions that can be built upon over time and that will eventually lead them to a defined and desired end. This may be achieving desired growth, expansion and stabilization objectives, going back to or qualifying for conventional bank financing, achieving a successful turnaround strategy, qualifying for specialized and/or sophisticated financing from institutional investors focused on specific niches, attracting further investment by private equity groups or venture capitalists, attracting further investment by going public, achieving the attractiveness for buyout proposals from interested candidates should the client's strategy be to sell off specific investments developed by the company or to eventually and ultimately sell off the entire company or achieving the qualities necessary to profitably undertake or participate in mergers and/or acquisitions.

The private/ non bank financing world is not created equal. It is not a one size fits all as there are different types of lenders with different types of appetites, risk tolerances and specialties. The terms and cost of financing are generally determined by the strength of the given transaction on a deal by deal basis. There are "entry level" private/ non bank lenders who will be reasonably more expensive than a bank in order to cushion their risk exposure on up to those who are more and more sophisticated and near or at par with bank pricing. It is possible for some private non/ bank lenders to offer a better deal than a bank when other factors aside from pricing are considered such as restrictive covenants and conditions imposed on a financing transaction. Our Private Investment Banking Consultation Services are designed to lead a client to the right kind of lender at the right time depending on their financing needs and goals. As discussed earlier, we analyze a client's situation, structure a plan to achieve the present, subsequent intermediate and long term goals and create a path to get there. We then recommend where to start and which lender is best suited for the present need. We monitor the client's progress at this level and as the client grows and gets more financially stronger and stable, we make additional recommendations on when to upgrade to a better suited lender for better financing products, better pricing and larger financing facilities or credit lines. This can only be achieved through a close relationship between us and our clients and that is why we have set up our Private Investment Banking Consultation Services the way we have. Our goal is to build up our client in such a way that within the five (5) year consultation period, we have applied all the necessary financing strategies at our disposal to meet and exceed our client's defined financing goals. We will also have created a strong financing platform that they can use to pursue bank or conventional financing, launch into further sophisticated corporate financing mechanisms, engage in mergers, acquisitions or buyouts as applicable or to simply keep going as a stabilized company with the knowledge of what to do when a financing need arises in the future. The knowledge acquired can also be used to launch a new venture and we would be thrilled to be engaged for our services all over again should a client wish to do so.

We have a multi disciplinary approach to our Private Investment Banking Consultation Services which are geared at covering all the alternative financing bases that we cover and that may be needed by a client as they grow in the course of our five (5) year consultation period. For Commercial Real Estate Financing, these options include financing of raw land, land acquisition, land development, vertical/ ground up construction of new properties, rehab or conversion construction, sale-leasebacks and financing or refinancing of existing commercial properties. For Asset Based Financing, these options include asset based loans and/or credit facilities, accounts receivable financing, accounts receivable factoring, invoice purchasing or invoice discounting, purchase order financing, sale-leasebacks and equipment leasing.

Our objective for every client that approaches and eventually engages us, is for us to be your one and only Private Investment Banker. We have done our homework. You do not need to re-invent the wheel. When you have a transaction or a project that requires private/ non bank financing, we want you to think of us only;give us a call and leave the structuring of the financing puzzle to us while you get back to your work and to looking for the next deal.

Each one of our products is backed by at least five or more lenders with the exception of a few products. We endeavor to match the financing request with the lender(s) that provide the best fit among these core lenders.

We can arrange debt financing, mezzanine debt, high leveraged debt, participating debt, equity, preferred equity or a combination of these structures. We can also arrange joint ventures.

We do not guarantee or make representations that by working through us, your financing request will be approved and funded by any one of our lenders'.

We will greatly enhance the chances of a loan approval by our lender(s) by applying our organized, systematic and well refined process and by leveraging our lender relationships.

We work alongside with you, your banker and your bank. Our lenders are not a replacement or a substitute for a bank since they are not set up as banks and they do not offer deposit accounts and the related services such as checking accounts, savings accounts etc. We offer practical alternative financing options that meet a client's financing needs when their bank has said "no", reached its comfort limit in extending credit to the client and may be demanding to exit or when a bank just cannot or will not provide the financing a client needs.

For new financing requests that come to us, we conduct an initial consultation which is free of charge to determine if the financing request is viable and a potential match with at least one or more of our lenders'. The initial consultation is comprehensive and thorough and results in a quick "no", a "yes" or suggestions that will strengthen a transaction for us to give it a "yes". We strive to respond to any new financing requests with our initial findings as discussed on the same day that we receive it.

If after the initial free consultation we determine that a financing request is potentially viable, we verbally and in a non binding manner discuss the financing request with our potential client and its prospects of a successful placement through us with one or more of our lenders. We also verbally, and in a likewise non binding manner, discuss our proposed Private Investment Banking Services and their associated costs (discussed further below) in order for us to take on the financing assignment beyond the initial free consultation.

If the client is willing to proceed, we at this point issue a written non binding Private Investment Banking Consultation Proposal "Proposal" to a potential client for their review.

The Proposal covers in general terms our process, the general terms and rates available from one or more of our lenders, our terms of engagement to arrange and place the financing request with one or more of our lenders', our Private Investment Banking Consultation Fee (discussed further below) and our Success Fee (discussed further below) for projects that we bring to a successful closing.

If the client finds the Proposal agreeable and they desire to proceed, we then issue our formal Private Investment Banking Consultation Agreement "Agreement". The Agreement should be read carefully and thoroughly and it is recommended that a client seek professional legal help in this. The Agreement,when executed by a client formally engages us to begin working on the financing assignment.

The Agreement for our Private Investment Banking Consultation Services is binding for a period of five (5) years. It also includes a Non Circumvention provision to this effect which is also binding for five (5) years. What this means is that we are willing to commit ourselves, our services and our expertise to our client for a period of five (5) years from the day that they execute the Agreement and pay our Private Investment Banking Consultation Fee. We would work on analyzing, planning and structuring all current, successive, future and progressive or incremental financing assignments, professional loan packaging, loan presentation and loan placement of as many financing assignments as needed as well as introducing you to as many of our lenders as needed during the five (5) year consultation period. We would earn a negotiated Success Fee for each successfully completed project [the subject project, any and all future projects and any and all repeat financings with the same or different lenders] during the five (5) year consultation period. After the five (5) year consultation period expires, you would no longer receive our analyzing, structuring, professional loan packaging, loan presentation and loan placement services and you would be free to go directly to any of the lenders that we have already introduced you to without any obligation to pay us a success fee. However, if you have come to like our streamlined and efficient private financing placement process, and you would like to extend our Private Investment Banking Consultation Services for another five (5) years, we would consider the request and if approved, we would charge the then current Private Investment Banking Consultation Fee for the next five (5) years and renegotiate a reduced flat rate success fee for the next five (5) years.

The Private Investment Banking Consultation Agreement outlines our process, our terms of engagement to arrange and place the financing request with one or more of our lenders', our Private Investment Banking Consultation Fee and our Success Fee for transactions that we bring to a successful closing. The Agreement also informs a client of the general terms and rates available from one or more of our lenders to the extent that we can supply that information in good faith and pending further due diligence and actual term sheets from the lender(s).

If the Private Investment Banking Consultation Agreement in its entirety is acceptable to the client and they choose to proceed to a formal engagement, we require the client to execute the Agreement and to return it to us along with a payment of the specified Private Investment Banking Consultation Fee.

The Private Investment Banking Consultation Fee for all Commercial Real Estate transactions is $5,000.00 (Five Thousand Dollars) and it is non refundable and payable in advance. As discussed, the Private Investment Banking Consultation Fee entitles you to five (5) years of our Private Investment Banking Consultation Services.

The Private Investment Banking Consultation Fee for all Asset Based Financing transactions is $5,000.00 (Five Thousand Dollars) and it is non refundable and payable in advance. As discussed, the Private Investment Banking Consultation Fee entitles you to five (5) years of our Private Investment Banking Consultation Services.

The Private Investment Banking Consultation Fee is not a loan application fee and it is not a loan commitment fee. It (the Private Investment Banking Consultation Fee) is applied to our various expenses incurred during our work on behalf of the client in connection to the subject financing request as well as to any and all future financing requests during the five (5) year period of our Private Investment Banking Consultation Services. These expenses include but are not limited to professional time, deal structuring, optimization and analysis, assembly and presentation of a professional, brief, compacted and optimized electronic loan pre-package to our core lender(s), and the subsequent hard copy and/or electronic full loan package which is detailed, comprehensive, well organized and contains all the necessary supporting documents for the interested lender(s), printing, scanning and reproduction costs, fax, long distance and conference telephone calls, research services, word processing, computer services, subscriptions to loan documentation and processing services, credit reports, loan package mailing and all other tangible and intangible services, skills and expertise that we input into the transaction(s).

We do not proceed any further with the financing assignment until we receive back an executed Private Investment Banking Consultation Agreement and a payment of the specified Private Investment Banking Consultation Fee in full.

Once engaged by a client via an executed Private Investment Banking Consultation Agreement and by the payment in full of the specified Private Investment Banking Consultation Fee, we strive to gather all the supporting documentation that we need for the transaction from the client as quickly as possible.

We then summarize and condense all the critical information into an electronic loan pre package which we present to our core lender(s). The loan pre-package is designed to present the totality of the deal in a snapshot so that in ten minutes or less a lender can be able to make an informed decision as to whether they would like to pursue the transaction further or not.

We strive to place the financing assignment with the best fitting lender and make the necessary introduction of the lender to the client within one to three business days (excluding weekends) as applicable for most transactions. If our request happens to land a little further down the pipeline with some of the lenders we contact, it may take an extra day or days to get feedback from all of them, do our analysis and make the necessary introduction to the best suited lender for the transaction. If the client delays in getting us all the required documentation for assembling the loan pre-package, it will obviously take longer to place the loan and make the said introduction.

After we make the necessary introduction of our client to the potential lender, we promptly follow up to coordinate and ensure the receipt of the full financing package and loan documentation by the lender's underwriting department.

Once we achieve a successful funding on behalf of a client, we charge a "Success Fee" payable by the client which is calculated as a percentage of the gross loan amount approved by the lender(s) we procure. Our success fee is paid from the loan proceeds of the first round of funding to a client. If there is no successful funding of a transaction, we do not earn our success fee. The success fee for Commercial Real Estate transactions ranges between 1% (One Percent) to 2% (Two Percent) depending on the type and loan amount of the transaction and the risk/reward inherent therein. The success fee for Asset Based Financing transactions also ranges between 1% (One Percent) to 2% (Two Percent) depending on the type and loan amount of the transaction and the risk/reward inherent therein.

We work on a non circumvention and an exclusive basis, for five (5) years, for any and all lenders that we formally introduce you to with respect to any and all repeat or renegotiated transactions including the subject one. This provision does not apply to any lenders whom we may contact on your behalf but whom we do not introduce you to. Our success fee for repeat transactions with a lender(s) that we formally introduce you to is calculated as a percentage of the gross loan amount approved per such additional transaction. The success fee for repeat Commercial Real Estate transactions ranges between 1% (One Percent) to 2% (Two Percent) depending on the type and loan amount of the transaction and the risk/reward inherent therein. The success fee for repeat Asset Based Financing transactions also ranges between 1% (One Percent) to 2% (Two Percent) depending on the type and loan amount of the transaction and the risk/reward inherent therein. In the case of Commercial Real Estate Loans and Asset Based Financing Loans that allow for multiple successive draws by a client such as Development Loans, Construction Loans, Revolving Asset Based Credit Facilities and Factoring, our success fee is only drawn once from the proceeds of the first round of funding to a client and not from each successive draw. However, for each completely new transaction or a new refinance with a client where we are arranging a completely new loan or a completely new refinance that allows for multiple successive draws, then our success fee will be due from the first round of the proceeds of the new loan transaction as discussed.

We only introduce you to the lender with the best proposal based on your pre-identified and pre-determined financing needs and financing structure. We do not introduce you to every one of our lenders' that we discuss your deal with.

The terms and rates of a loan dictated in an initial loan proposal from a lender are subject to the receipt and verification of all documentation and information on the loan (a full loan package) by the lender and further and complete due diligence by the lender as well.

If a borrower accepts and executes the initial loan proposal or term sheet from a lender, the lender will usually require a deposit for due diligence and/or an application fee.

The due diligence deposit and/or application fee is an out of pocket expense to the borrower, payable in advance to the lender and the amount varies depending on a variety of factors. These may include the geographical location of the loan request, the type of transaction, the proposed loan amount, the deposit or retainer required by the lender's counsel, the third party reports (appraisals, environmental reports, seismic reports etc.) that may or may not be required and whether a site inspection or site visit is required by the lender. The amount of the due diligence deposit and/or application fee can thus range from $5,000.00 to $25,000.00 plus for a Commercial Real Estate Loan and $2,500.00 to $10,000.00 plus for an Asset Based Loan.

In the case where a lender cannot consummate a transaction due to insurmountable obstacles uncovered during the due diligence period, or if a borrower withdraws the loan application, the due diligence and/or application fee may be partially refundable or non refundable depending on the particular circumstances and the particular lender.

As long as a lender's due diligence findings are consistent with the information presented by a borrower, the terms and rates quoted in the initial loan proposal will remain the same or may be more favorably adjusted if applicable. Most lenders will at this point issue a formal or firm commitment to close the transaction.

If the lender's due diligence uncovers details that may have been overlooked or taken for granted by the borrower and it translates to a higher risk perception by the lender, the terms and rates quoted in the loan proposal may be adjusted accordingly. If the borrower agrees to the changes, the lender will at this point issue a formal or firm commitment to close the transaction.

Any fraud, deliberate misrepresentations of facts or information by a borrower that is discovered by the lender during their due diligence process will usually result in a total rejection of the loan request.

Any other additional and/or unforeseen costs, fees or expenses reasonably incurred directly or indirectly by the lender in connection to the processing and underwriting of the loan request (e.g. complex title or environmental problems that may have to be resolved before the lender can proceed) are paid by the borrower in advance and prior to closing. All other customary closing costs are paid by the borrower as well.

If a commitment fee is required by a lender, it can range from 1% to 3% of the committed loan amount. This is usually due in advance, at the time of commitment and payable out of pocket by the borrower. A commitment fee is generally non refundable if the borrower does not follow through with their part of the transaction as agreed.

General terms for Private/ Non Bank Commercial Real Estate Loans: #Gross Loan Amount: $10,000,000.00 to $100,000,000.00 plus #Term: Short Term~1-5 years (extension options may be available for 1 year terms) Long Term~ 5-10 years for some land financing programs #Interest rate: Usually 10% to 14% (or higher depending on risk and property type) fixed and/or floating possible (mezzanine loans can have higher interest rates) #Lender Origination Fees: Generally 1% to 4% depending on risk. Can be as high as 6% in some cases #Amortization: Usually interest only but other options are available as well #Pre-payment penalty: Usually none but may apply depending on lender #Security: Usually first mortgage a second mortgage may be acceptable depending on lender #Loan to Value (LTV)/ Loan to Cost (LTC): Varies depending on property type and loan structure but generally for raw, unimproved and unentitled land, 30%-50% LTV (can be as high as 65%LTV for prime land in key markets) on the "as is" value or the quick sale value with Debt Financing only and no profit participation// Partially entitled, fully entitled and/or improved land, 50%-70% LTV (can be as high as 75%LTV for prime land in key markets) on the "as is" value or the quick sale value with Debt Financing only and no profit participation // The lesser of 65%-70%LTV of the "future improved value" OR 65%-80% LTC for land development deals with Debt Financing only and no profit participation// The lesser of 65%-80% LTV of the "future improved value" OR up to 65%-85% LTC for vertical construction deals with Debt Financing only and no profit participation (The Loan to Cost can be up to 100%LTC for pre-sold or pre-leased projects with Debt Financing only and no profit participation) // 50%-65% LTV on vacant, non cash flowing or non stabilized properties with Debt Financing only and no profit participation // 65%- 70% LTV on partially stabilized or transition properties with Debt Financing only and no profit participation// 70% LTV up to 85% LTV (can be higher depending on the particular project) on stabilized, income producing investment properties with Debt Financing only and no profit participation. The total cumulative LTV/LTC can be increased in some cases up to 85%-95% LTC/LTV by adding Mezzanine Debt behind the First Mortgage as Debt Financing only without profit participation or by adding Equity or Preferred Equity behind the First Mortgage (Equity or Preferred Equity in most cases will require profit participation by the lender). We have some lenders that can structure 95% LTC up to 100% LTC depending on the project as a Joint Venture with Profit Participation. (These are just rough parameters to give you an idea. The LTV/LTC is determined on a deal specific basis) We have a specific 6 month to 36 month bridge loan lender for value-added transactions in the $10,000,000.00 to $30,000,000.00 range that will provide up to 100% LTC as Debt Financing only without profit participation while not exceeding 75%LTV to 80% LTV upon stabilization for the acquisition, refinancing, repositioning, renovation and construction of apartments, retail, industrial, office, condominiums and condo conversions. We also have at least two other bridge loan lenders that will provide 85%LTC to 90%LTC as Debt Financing only without profit participation for commercial or residential land development, construction of most other property types as well as existing properties #Recourse or Non Recourse: May or may not apply depending on the Lender and the strength of the Sponsorship #Lender Site Visit: Usually required #Third Party Reports: (Appraisal, Phase 1 Environmental Assessment, Engineering etc.) Usually required but it depends on the transaction and the Lender to determine which reports are absolutely necessary prior to closing. Lenders may accept existing reports if satisfactory #Closing Schedule: Usually within 30 days or less. Loans with everything in place can literally close in a few days #Our Success Fee: Ranges between 1% (One Percent) and 2% (Two Percent) of the total approved gross loan amount payable from the proceeds of the first round of funding.

General terms for Private/Non-Bank Asset Based Financing - Revolving Loans: Revolving Loans are usually secured by receivables and sometimes inventory. # Gross Loan Amount: $500,000.00 to $100,000,000.00 plus #Term: 1 to 3 years or longer # Interest Rate: Prime +1 % to Prime +5% fixed or floating (In some cases a monthly charge of 0.5% to 1.75% on the current outstanding balance may be applied) #Advance Rate: 70% up to 85% of eligible accounts receivable and 25% to 50% of eligible inventory - raw materials, finished goods or WIP where applicable. #Closing Schedule: Usually within 2 to 3 weeks # Funds Availability: Once the credit facility is open, usually within 24 to 48 hours # Our Success Fee: A one time success fee that ranges between 1% (One Percent) and 2% (Two Percent)of the total approved gross loan amount payable from the proceeds of the first round of funding. We only charge our success fee once. The success fee is not due on any of the multiple successive draws made by our client for the term of the specific loan.

General Terms for Private/Non-Bank Asset Based Financing - Term Loans: Term loans are usually secured by Machinery and Equipment and Real Estate. # Gross Loan Amount: $500,000.00 to $100,000,000.00 plus #Term: 3 to 7 years or longer (up to 15 years plus in some cases) # Interest Rate: Prime +1 % to Prime +5% fixed or floating #LTV: Up to 80% LTV (sometimes higher) #Amortization: Amortizing or interest only as applicable #Security: First lien position on fixed assets; second lien possible depending on Lender # Closing Schedule: Usually within 30 days depending on complexity # Our Success Fee: Ranges between 1% (One Percent) and 2% (Two Percent)of the total approved gross loan amount payable from the proceeds of the first round of funding.

General terms for Private/Non-Bank Asset Based Financing - Factoring: Factoring is not necessarily a loan but a discounted purchase of receivables by a Factor. # Transaction Size: $500,000.00 up to $100,000,000.00 plus #Term: As needed OR 6 months to 3 years or longer # Discount Rate: Usually 2% to 3% for most receivables. Construction receivables can have higher discount rates of 3% to 6% #Advance Rate: 70% up to 85% (sometimes higher) of eligible accounts receivable #Closing Schedule: Usually within 2 to 3 weeks # Funds Availability: Once the credit facility is open, usually within 24 to 48 hours # Our Success Fee: A one time success fee that ranges between 1% (One Percent) and 2% (Two Percent)of the total approved factoring facility amount payable from the proceeds of the first round of funding. We only charge our success fee once. The success fee is not due on any of the multiple successive factoring transactions made between our client and the Factor for the term of the specific factoring facility.

If and when you decide to proceed with us, please be prepared to "hit the ground running". We have a streamlined documentation and loan packaging process that can shave off days or even weeks from a potential closing. Most deals can usually close within thirty (30) days or less. Some deals can close in as few as two weeks or even as little as seven days or less as long as everything is in place, well organized and the borrower and his team are responsive and cooperative in getting us everything that we need. If a transaction requires certain third party reports and it so happens that they cannot be scheduled and completed quickly enough and if the borrower and/or the borrower's counsel do not respond in a timely manner to information and documentation requests, the closing time frame will obviously be delayed.

To initiate the process, you may contact us using our online form below or scroll down to the bottom of this page for a link to our email address and US Mail address.

Via our online form, you can send us a brief description of your financing request or using our direct email address, you can send us an executive summary or any necessary attachments pertaining to your financing request.

Please note that if you contact us via our online form, via email or via US mail, we will only respond to you if we are interested in your financing request after reviewing the initial information you send us. If your request is disqualified based on the initial review of the information you send us, we will NOT respond to you.

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Capital And More Group Inc.

105 E. Jefferson Blvd, Suite 800

South Bend, IN 46601

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