US CAPITAL GLOBAL LENDING, LLC

PROMISSORY NOTES

INVESTMENT SUMMARY

US Capital Global Securities

555 Montgomery Street, Suite 1501
San Francisco, CA 94111

T +1 415 889 1010

F +1 415 358 5665
support@uscgs.com

www.uscapglobalsecurities.com
PROMISSORY NOTES

Total Issuance: $100,000,000

Per Unit Price: $25,000

Accredited Investors Only: The Notes are being offered pursuant to an exemption from the registration requirements
of the Securities Act of 1933, as amended provided by Section 4(a)(2) of the Securities Act and Rule 506(c) of Regulation D
thereunder. The Company may offer and sell Notes pursuant to Rule 506(c) solely to investors who qualify and are verified as
“accredited investors,” as that term is defined in Rule 501 of Regulation D under the Securities Act of 1933, as amended, or, in
its discretion, may offer and sell Notes to investors who qualify as accredited investors. If you are not an accredited investor or
fail to provide requested information the Manager needs to verify your accredited investor status, the Manager will not accept
your subscription.

Investment Objective: To both preserve principal and achieve consistent attractive returns

Strategy: Making and managing direct and indirect investments in debt of other companies and investment funds and other
business credit lenders that invest in qualified Small and Medium Businesses (“SMBs”).

Issuer: US Capital Global Lending, LLC

Manager of Issuer: US Capital Global Investment Management, LLC
Placement Agent: US Capital Global Securities, LLC

THE OPPORTUNITY

SMB are catalysts to the wellbeing of an economy. These businesses consistently demonstrate attractive performance metrics,
with revenue growth for companies with $10 million to $100 million of revenue being higher and significantly more stable than
that of the S&P 500.

US Capital Global uscapglobalsecurities.com

555 Montgomery Street, Suite 1501, San Francisco, CA 94111 Securities offered through
T +1 415 889 1010 US Capital Global Securities, LLC,
F +1 415 358 5665 member FINRA, SIPC.
Loan Portfolio
Per the data released by U.S. Small Business Administration, during FY 2018, the capital provided to small businesses for core
operations (i.e., capital, exports and disasters) was close to $44 billion. The Agency’s 7(a) loans went down by $75 million, which
constitutes 71% of the portfolio.

Economic Trends1
n There are almost 30.7 million small businesses in the United States which account for 99.9% of the total US businesses.
n Small businesses are responsible for employing 59.9 million people (47.3% of the working population).
n Large banks approved only 26.9% of small business loans and smaller banks have been facing greater regulatory oversight.
The fall in loans provided is indicative of the growing demand for alternate forms of credit.
n For every 3 people who applied for funding in 2019, 1 did not receive the total amount requested. When starting their
new business, 80% used personal finance.
n 11 out of 12 small businesses survive every year.

1. US Bureau of Labor Statistics, U.S. Small Business Administration’s website and Goldman Sachs’ “Voice of Small Business in America: 2019 Insights Report”

US Capital Global uscapglobalsecurities.com

555 Montgomery Street, Suite 1501, San Francisco, CA 94111 Securities offered through
T +1 415 889 1010 US Capital Global Securities, LLC,
F +1 415 358 5665 member FINRA, SIPC.
INVESTMENT STRATEGY

The Issuer believes that there continues to be a thriving SMB segment seeking alternative debt financing and looks for parties
that have robust proprietary flow of lending opportunities and believes that ongoing lending opportunities continue to exist.
The issuer intends to preserve principal as well as achieve consistent attractive income making indirect debt investments in
small and medium-sized businesses (SMBs) located. The company will seek to primarily make senior loans of $1 million to
$10 million to funds and other business lenders that lend to qualifying SMBs.

PROMISSORY NOTE - INVESTOR TERMS

Issuer: US Capital Global Lending LLC
Term: Open ended, terminates on default, insolvency etc.
Interest Rate: 2% per quarter/8% annually
Compounding: Quarterly
Amortization: Interest only
Interest payments: Optional Quarterly in arrears
Redemption:  uarterly subject to Issuer liquidity, but will have 5% of total capitalization available
Q
quarterly for redemptions
Liquidity Requirement: Issuer to maintain 5% of principal for quarterly potential redemptions on a call basis
Fees: None to Promissory Note investors
Minimum Drawdown: 100% always deployed
Number of Lenders: Up to 2,000
Placement Agent: US Capital Global Securities, LLC
Placement Agent fees paid by US Capital Global Investment Management, LLC
Manager:
Total Issuance: $100,000,000
Manager: US Capital Global Investment Management, LLC
Minimum Investment: $25,000 USD

Please refer to the PPM for a complete list of risk factors.

MANAGEMENT TEAM

Jeffrey Sweeney, Co-Managing Partner, USCGIM LLC

Jeffrey Sweeney is a lifelong entrepreneur with extensive experience in leading firms with a forward-thinking approach. He is
currently Chairman and CEO of US Capital Global, a full-service private financial services group headquartered in San Francisco.
Under Mr. Sweeney’s leadership, US Capital Global consistently facilitates profitable economic development that also has a
positive social and environmental impact.

Prior to being a financier, Mr. Sweeney served as a principal and CEO of Machine Works Corporation, a lower middle market
aerospace manufacturing company. His experience leading a business in the highly-regulated aerospace manufacturing industry

US Capital Global uscapglobalsecurities.com

555 Montgomery Street, Suite 1501, San Francisco, CA 94111 Securities offered through
T +1 415 889 1010 US Capital Global Securities, LLC,
F +1 415 358 5665 member FINRA, SIPC.
has led to his appreciation of the need to work closely with regulators while adopting technological solutions to innovate in the
sector. This successful approach has been brought over to US Capital Global, where leveraging innovation and regulatory
developments has been a key driver in the firm’s growth as a FinTech investment bank.

Charles Towle, Co-Managing Partner, USCGIM LLC

Charles Towle has over 10 years of business development, asset management, corporate finance, capital markets, and
general business management experience. Mr. Towle has extensive entrepreneurial and investment experience, serving as a
limited partner, financial officer, or board member of various investment and endowment funds and small and medium-sized
businesses, both in the United States and abroad.

He joined US Capital Global in 2006, where he significantly contributed to the firm’s growth into a leading private financial
group for small and medium-sized businesses globally. As Managing Partner of US Capital Global, Mr. Towle oversees 50+
professionals in addition to the firm’s established affiliates and institutional investors. During his tenure, Mr. Towle has overseen
the origination and closing of $6 billion+ in transactions.

RISK DISCLOSURES*
• The Issuer does not have an operating or investment history and may not be able to implement its investment policies and strategies successfully.
• The Issuer may be unable to complete its proposed acquisition of Securities.
• The Securities purchased by the Issuer will be a portfolio asset of the Issuer and will not be directly owned by, and their value will not be allocated or attributed
to, any particular subscriber.
• The Issuer’s investment in Securities is inherently risky due to the nature and business of the Company.
• Securities may lose all or part of their value.
• Adverse economic conditions and developments could jeopardize the business of the Company and the Issuer’s investment in the Company’s securities.
• Neither the Issuer nor the Manager will have control over the Company or its future valuation.
• Because the Issuer’s primary investment is in the Company, an investment in the Issuer will be subject to greater volatility and risk than an investment in a fund
with more diversified investments.
• The Company may never complete a liquidity event; and even if such a liquidity event is achieved, the Manager will have no ability to control or influence
whether or when the manager of any fund in which the Issuer invests makes a distribution to the Issuer.
• Members of the Issuer will be required to rely on the Manager to exercise all rights and make all decisions regarding the Securities.
• The Manager and its Affiliates are permitted to engage in other businesses and investment activities, which could reduce the amount of time and effort they
devote to the Issuer.
• The Manager and its Affiliates are currently engaged in other investment and investment management activities, and they expect to engage in additional
investment and investment management activities in the future. As a result, they may face conflicts of interest in allocating investments.
• The Manager is permitted to enter into related party transactions that may present conflicts of interest that are permitted under the Note Purchase Agreement.
• The Manager and its Affiliates may hold interests in securities of the Company and of any fund in which the Issuer may invest and interests in securities of the
Issuer. Such interests could present conflicts of interest and affect the Manager’s investment decisions on behalf of the Issuer.
• The liability of the Manager and its Affiliates is significantly limited under the Note Purchase Agreement, and the Issuer will agree to indemnify the Manager
and its Affiliates against certain liabilities, which may lead the Manager and its Affiliates to act in a riskier manner on behalf of the Issuer than they would when
acting for their own account.
• Investing in Notes involves a high degree of risk that may result in the loss of some or all of the investment
• The ability to transfer Notes will be restricted under the terms of the Note Purchase Agreement and federal and state securities laws.
• No independent advisers represent investors in the Notes.
• The Issuer is not a registered investment company, so you do not have the protections of the Investment Company Act.
• The tax aspects of an investment in the Issuer are complicated, and each subscriber should have them reviewed by professional advisers familiar with the
subscriber’s personal tax situation and with the tax laws and regulations applicable to the investor and investment limited liability companies.

* Please refer to the PPM for a complete list of risk factors.

US Capital Global uscapglobalsecurities.com

555 Montgomery Street, Suite 1501, San Francisco, CA 94111 Securities offered through
T +1 415 889 1010 US Capital Global Securities, LLC,
F +1 415 358 5665 member FINRA, SIPC.
For more information please contact our investor relations team:

Pat Steele,
Partner, Asset Management
Direct: (415) 889-1025
Office: (415) 889-1010
psteele@uscgs.com

Securities offered through US Capital Global Securities, LLC, member FINRA, SIPC.
Loans made or arranged pursuant to a California Finance Lenders Law License.
License No. 60DBO 43589

© US Capital Global Securities, LLC. All rights reserved.