Credit Structuring Model Strictly Confidential

Table of Contents

Model
Amortization

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Credit Structuring Model

All figures in USD unless stated

RISK RATING & CREDIT REQUEST BORROWER INFORMATION

Risk Rating 3 - Moderate Risk Borrower Name
Type of Asset Being Financed Manufacturing Equipment Owner/Guarantor
Financial Statements Client-Prepared Date

LENDING ASSUMPTIONS FUNDING TIMELINE

Asset Value 970,000 Present Client Proposal
Recommended Loan-to-Value 75% Complete Credit Submission +3 days
Proposed Loan Amount 727,500 Secure Formal Approval +6 days
Recommended Amortization 7 years Loan Agreements Produced +7 days
Recommended Interest Rate 7.00% Funds Advanced +7 days
Total Expected Turnaround

LENDING TERMS ANNUAL PAYMENTS

Pricing Discretion 25 bps
Client Rate 6.75% 140,000 700,00
Fee
120,000 600,00
Fee –
100,000 500,00
Monthly Payment 10,891
Loan Payment 80,000 400,00

60,000 300,00

40,000 200,00

20,000 100,00

0 0
12 24 36 48 60 72 84

Principal Interest Balance

40,000 200,00

20,000 100,00

0 0
12 24 36 48 60 72 84

Principal Interest Balance

 Inputs

RISK RATING RATE

1 - Very Low Risk 5%

ABC Inc 2 - Low Risk 6%
Mr. Dave Smith 3 - Moderate Risk 7%
Friday, July 8, 2022 4 - Cautionary 8%
5 - Unsatisfactory 10%
6 - Unacceptable NA

Friday, July 8, 2022 TYPES OF ASSETS LTV PERIOD

Monday, July 11, 2022
Sunday, July 17, 2022 Electronic Equipment 100% 3
Sunday, July 24, 2022 Vehicle 90% 5
Sunday, July 31, 2022 Manufacturing Equipment 75% 7
23 days
PRICING DISCRETION

10 bps
700,000 15 bps
20 bps
600,000
25 bps
500,000
FEES
Loan Balance

400,000
10 bps
300,000
25 bps
200,000 50 bps

100,000 FINANCIAL STATEMENTS

0
72 84

Balance
 200,000

100,000

0
72 84 Client-Prepared
Accountant-Prepared
Balance
Monthly Blended Payment Schedule

All figures in USD unless stated

Loan Amount 727,500 Total Annual Payments 130,695

Rate (Annual) 6.75% Total Year 1 Principal 84,161
Rate (Monthly) 0.56% Total Year 1 Interest 46,534
Amortization 84 months Total Year 7 Principal 126,039
Payment 10,891.23 Total Year 7 Interest 4,656

Month Year Principal Interest Balance

– – 727,500
12 1 84,161 46,534 643,339
24 2 90,021 40,674 553,319
36 3 96,288 34,406 457,030
48 4 102,993 27,702 354,038
60 5 110,164 20,531 243,874
72 6 117,835 12,860 126,039
84 7 126,039 4,656 0

Month Payment Principal Interest Balance

– 727,500
1 10,891 6,799 4,092 720,701
2 10,891 6,837 4,054 713,864
3 10,891 6,876 4,015 706,988
4 10,891 6,914 3,977 700,073
5 10,891 6,953 3,938 693,120
6 10,891 6,992 3,899 686,128
7 10,891 7,032 3,859 679,096
8 10,891 7,071 3,820 672,025
9 10,891 7,111 3,780 664,914
10 10,891 7,151 3,740 657,762
11 10,891 7,191 3,700 650,571
12 10,891 7,232 3,659 643,339
13 10,891 7,272 3,619 636,067
14 10,891 7,313 3,578 628,754
15 10,891 7,354 3,537 621,399
16 10,891 7,396 3,495 614,003
17 10,891 7,437 3,454 606,566
18 10,891 7,479 3,412 599,086
19 10,891 7,521 3,370 591,565
20 10,891 7,564 3,328 584,001
21 10,891 7,606 3,285 576,395
22 10,891 7,649 3,242 568,746
23 10,891 7,692 3,199 561,054
24 10,891 7,735 3,156 553,319
25 10,891 7,779 3,112 545,540
26 10,891 7,823 3,069 537,718
27 10,891 7,867 3,025 529,851
28 10,891 7,911 2,980 521,940
29 10,891 7,955 2,936 513,985
30 10,891 8,000 2,891 505,985
31 10,891 8,045 2,846 497,940
32 10,891 8,090 2,801 489,849
33 10,891 8,136 2,755 481,714
34 10,891 8,182 2,710 473,532
35 10,891 8,228 2,664 465,304
36 10,891 8,274 2,617 457,030
37 10,891 8,320 2,571 448,710
38 10,891 8,367 2,524 440,343
39 10,891 8,414 2,477 431,928
40 10,891 8,462 2,430 423,467
41 10,891 8,509 2,382 414,958
42 10,891 8,557 2,334 406,400
43 10,891 8,605 2,286 397,795
44 10,891 8,654 2,238 389,142
45 10,891 8,702 2,189 380,439
46 10,891 8,751 2,140 371,688
47 10,891 8,800 2,091 362,888
48 10,891 8,850 2,041 354,038
49 10,891 8,900 1,991 345,138
50 10,891 8,950 1,941 336,188
51 10,891 9,000 1,891 327,188
52 10,891 9,051 1,840 318,137
53 10,891 9,102 1,790 309,035
54 10,891 9,153 1,738 299,882
55 10,891 9,204 1,687 290,678
56 10,891 9,256 1,635 281,422
57 10,891 9,308 1,583 272,114
58 10,891 9,361 1,531 262,753
59 10,891 9,413 1,478 253,340
60 10,891 9,466 1,425 243,874
61 10,891 9,519 1,372 234,354
62 10,891 9,573 1,318 224,781
63 10,891 9,627 1,264 215,154
64 10,891 9,681 1,210 205,473
65 10,891 9,735 1,156 195,738
66 10,891 9,790 1,101 185,948
67 10,891 9,845 1,046 176,102
68 10,891 9,901 991 166,202
69 10,891 9,956 935 156,245
70 10,891 10,012 879 146,233
71 10,891 10,069 823 136,164
72 10,891 10,125 766 126,039
73 10,891 10,182 709 115,857
74 10,891 10,240 652 105,617
75 10,891 10,297 594 95,320
76 10,891 10,355 536 84,965
77 10,891 10,413 478 74,552
78 10,891 10,472 419 64,080
79 10,891 10,531 360 53,549
80 10,891 10,590 301 42,959
81 10,891 10,650 242 32,310
82 10,891 10,709 182 21,600
83 10,891 10,770 122 10,830
84 10,891 10,830 61 0
Total 914,863 727,500 187,363