TERM:
 1 to 5 years

PREPAYMENT:
Loans may be repaid at any time without penalty.

USE OF PROCEEDS:
Loans are made for business purposes, including:  land, construction, & investments

LOAN TO VALUE:
Loan amounts can be up to 65% of the market value of the collateral.  If the loan is used for renovation or construction, the loan amount can be based on the improved value, and would be disbursed in stages.

RATES:
Rates vary from 9-13% per annum, interest only, depending upon collateral and loan structure.
LOAN SIZE:
From $200 Thousand to $10 Million.

COLLATERAL:
Real estate