CH Capital - Sally C

8/3/2019 CH Capital - Sally C

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SBA 504 FMLP

Single Asset LLC

Presented by CH Capital Partners LLC


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SBA 504 FMLP Single Loan Lender Program Disclosure

CH Capital Partners LLC will act as an agent of the SBA 504 FMLP Pooling business. CH Capital Partners LLC have

hold harmless of the transaction and deem to have accurate information from third party sources. That information

can change without notice. CH Capital Partners LLC takes no direct or indirect liabilities of the transaction. The

transaction liability is dependent on the borrowers. CH Capital Partners LLC requires the single entity lender or

lenders to have seasoned funds of the investment of the 7.5% of the whole conventional loan of the first lien

position for 6 months or request the where the capital sources were made. Example, if the 6 month of seasoned

funds cannot be proven, CH Capital Partners nor any of its affiliates cannot make the transaction of the SBA loanpossible. SBA 504 FMLP Program is part of the American Recovery & Reinvestment Act of 2009, CH Capital

Partners LLC is no way endorsed by the SBA nor backed by the SBA. CH Capital Partners LLC is an agent with

various contracts that are related with third party. A member of CH Capital Partners LLC is a securities brokers with

license in Series 7, 63, 65, life, health and business insurance. It is clear CH Capital Partners LLC, its members and

any of its affiliated and non-affiliated business members are not acting as an Investments Advisors nor is it acting as

an Broker. Through FINRA 3030 and outside business activities, CH Capital Partners LLC is acting as a Business

Consultant and acting as an Originator of the e loan. CH Capital Partners LLC does not guarantee the information is

guaranteed, it can change without notice. CH Capital Partners LLC warns the lender that if there is moneyexchanged hands between the borrower/borrowers and the lender/lenders, it would be a federal offense. CH

Capital Partners LLC does not takes responsibility of any wrong doing in anyone's part except its own.


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Corporate & Investment Banking Product Expertise

ForSBA 504 FMLP (First Mortgage Loan Pool)

Program


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Proactively Delivering Ideas and Capital at Every Stage of a FMLP Poolerss Life Cycle

Complete Credit Write-

up with SBA and RMA

Standards

Poolers need for fixedrate of return

Convertibles

Research

Access to Institutions

Creating Consistent

Volume for Banks and

Non-Bank Lenders

Agented Transactions Access to over 500

Mortgage Banking net-

work with National

Presence

CH Capital Partners LLC SBA 504 Whole Sale

Most of the current

Poolers

Strategic Advisory

Services Liquidation Policy

Analysis

Credit Matrix Review

for NAIC Code

Portfolio Review

Highest Bid Goal

Investment Grade

Loan Syndications

Bank Debt

Interest Rate Review

Asset-Based Lending

Index Spread Review

Derivatives

IO Strip Review

Securitization

Reviewing packages for

both CDC and First

Lender

UCC, Credit Box &

Matrix,

Balance Sheet Review

Consistent Corporate & Investment Banking Coverage for SBA 504 FMLP Program

Sok H. Cordell Jordan Blanchard

Loan Volume Due-DiligencePackaging andStructuring

Bid and Market

MakingAudit Preparation

Corporate & Investment Banking Product Expertise for SBA 504 FMLP Program

The chart below and descriptions on the following pages detail some of the core Corporate & Investment Banking

products, which allow Wachovia to provide comprehensive solutions to its clients.


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SBA 504 FMLP Process for Single Asset LLC


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Misconception in the Market Place

Misconception in the market place

The banks are sitting on tons of cash

Banks can lend, but they do not want to

What is a loan to a consumer?

It is a instrument to borrow money to expand business and take risk and make agood return.

What is a loan to a investor?

It is investment, where I lend money to the lowest risk and maximize my return

Community Banks

They are there to lend money to the community

Commercial Banks

They are the Fat Cats that are making so much money

The difference


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Misconceptions in the market place

Bank are sitting on tons of cash

$15 Trillion or so asset value evaporated between 2008 and 2009, those values are sitting onbalance sheets of many private banks who are not taking the losses

Just because you see on the news that many banks took the losses, does not mean, next day all thelosses are gone. Losses are the regulatory forced amount

Point of view of the borrower

Business loans make an investment into a company by borrowing to expand, so through hardwork and sweat , business owner can make a lot of money. It sounds like an equity investment .

Point of view of the lender

Business loans make an investment that is safe and the investor does not what lose money. Thisis my safe money. It sounds like a Bond investment

What is a community bank

CommunityB

anks function today is to make money for its shareholders What is a commercial bank

CommercialBanks function today is to make money for its shareholders

Difference

Nothing


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SBA Loans

SBA Loan Program market has not had any major change for over 25 years

Community Banks are not the usual banks who deal 10 to 20 affiliate entities whenglobal cash-flow is the standard with the new regulations after the financial crisis

SBA has recently increase the loan amounts to stimulate the economy with theAmerican Recovery and Reinvestment Act of 2009.

SBA has allocated 3.3 to 5 Billion in SBA 504 FMLP (First Mortgage Loan PurchaseProgram)

Unfortunately Humans cannot adjust to the speed of light that robots can adjust to.

Community Bankers today are not compensated to work long and hard to end up not

being able to comprehend, plan and educate their bankers, prepare the technologypurchases and adjustment to execute the task.

Assets that are becoming the most toxic are hotels and gas stations. Like individualinvestors follow an asset allocation, so do banks, so as long as FDIC believes thathotels and gas stations are risky, then the hotel and gas stations will have a difficulttime finding loans.


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CH Capital Partners LLC

CH Capital Partners LLC is an Commercial Mortgage Banking firm that specializes

in the SBA 504 FMLP Program.

CH Capital Partners LLC create loan, not brokered, but actually fully

underwritten in accordance with the SBASOP, packaged and structured with

experienced bankers who are familiar with the SBA loan credit, structural andunderwriting standards.

Consumers may not understand, SBA is a 33 Billion dollar a year market.

Click Me --- SBA Loan Report

Click Me --- SBA Loan Report 2

If you Click Above, you can see the General Accounting Office has done researchin the SBA loan market and can explain where we are in the transparency of the

bond market ofSBA.

Is so small market, so small in comparison to many of the other markets like

Fannie Mae, Freddie Mac, and FHA.


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Complete Process Simplified

Lawyers Title opens title and Escrow

Create and Open an LLC

Identify the CDC (Community Development Company) to get SBA Loan Number

Single Asset LLC (operating agreement, Business license, EIN number)

Bridge Lenders for First and SBA loans

Third Party Reports

Final Credit Package

Purchase and Sale Agreement for the 85% and Bridge Lender

Document Preparation Closing


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finds Bridge Lenders to

close the loan

2 to 3 weeks


originate, package and sell

the loan

1 Week 2 weeks

CDC gets the SBA Loan

number which allowss the

SALLC to hold 15% of 50%

loan

Time Line of the Process


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Part 2 Part 3 Part 4 Part 5Part 1

Sign Contracts for

SALLC and Borrowers .

Open Escrow & Title

Gather all professionals

to coordinate the

closing process

CH Capital delivers the

complete packge to

SALLC, buyers and SBA

CH Capital Partners

Arranges the Parties to

close the loan

CH Capital and its

partners create,

execute alll contracts

CH Capital Partners

LLCreviews all prepared

docs and closes the loan

Loans Closed

5 Parts of SALLC


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1 2 3 4 5 6 7 8 9 10 11

Open Title

Lawyers Title

Identify the CDC

Project

Single Asset LLC

established

CH Capital

creates creditGuidelines for

SALLC

Third Party

ordered by CHCapital

SBA 504 Loan

Number

Deposit 15% of

the 50% with

Lawyers Title

Operating

Agreement

and Lenders

AllOperating

agreement is

provided CH

Non-Banks

no FIRREA

Full Credit

Package

Delivery

12

CDC and SBA

provide SBAloan number

Phase I


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13 14 15 16 17 18 19 20 21 22 23

CH Capital

Delivers85% buyer the

Credit Package

Poolers deliver

the purchase andsale of 85%

Single Asset LLC

accepts the PSAof the 85%

Bridge Lender for

1st

LienBridge Lender for

2nd Lien

Third Party

ordered by CHCapital

CH Capital Partners

LLC delivers the

commitment to sell

85%

SALLC gets

copy of Credit

Package

Operating

Company

Agreement

AllOperating

agreement is

provided CH

CH Capital provides

SBA, CDC required

Paperwork for close

Attorneys

review the

closing docs

24

Closing

Document isprovided

Phase II


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Phase III Closing

SALLC

SALLC

deposits 15%

to Lawyers

Title

SBA Broker

Dealer

Buys the

85%

CH CapitalPartners

LLCFacilitates Credit,

Package and selling of

the loan

CDC SBAFunds 40%

of the Loan

Lawyers Title holds 15%

Escrow15% is part of the loan proceeds,

so the borrowers receive the

amount as a loan

Borrowers

Receives theloan proceeds


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How SBA creates the AAA Rated Bonds


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How Banks Creates SBABonds


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How SBA Creates Bonds Are Sold to Primary and Secondary

Loans


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SBA and Colson Services Create Cusip Numbers


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SBA Teams


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SBA 504 FMLP Loan


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Identify the Project and who you are lending to

Identify the SBA 504 Total Project

Calculate how much the 7.5% of the total Project

Decide what rate you would like to charge, there will be minimum for the

borrowers

Create an LLC in Nevada

Order the Third Party Reports

Conference call for the return and expectation

Time line of the transaction

Final the close of the loan


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Create an LLC in Nevada

Identify the LLC

Review the Loan LOI and Sign the Loan Documents for Third Party and Fee

Agreement

Accept the term of the loan and send in the Deposit

Review with Attorney and Single Entity LLC for Member Documentation

Make sure it is inline with your personal plan as well as your Estate Plan

Single Entity Members need to review with an Attorney to accept documents that

are set forth by the State of Nevada.

US Tax Aid Services will be the agent whom LLC will be created

US Tax AID Services have been written about in Wall Street Journal, CNBC, LATime, Market Watch and Bloomberg. They specialize in saving businesses taxes,

furthermore their expertise relies on the Nevada Single Entity LLC rules and

regulations. Nevada has one of the best lenders laws for this type of loan.


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SBA 504 FMLP Single Loan LLC Entity Program

Lawyers Title will be hired to close the loan

Hold the funds for disbursement

Closing and satisfying the SBA 504 FMLP and SBA requirements

One of the Largest Escrow, Title and Closing firm in the country

This will be the third party group that will hold the capital, if for whatever reason

that the loan cannot be closed, there will be a full refund. Home Land Security Verification

Season Funds for 90 days

Escrow Instructions will be sent to the Following

Yvonne Inserra for Lawyers Title in Portland Oregon will be holding the 15% inescrow that is fully refundable if the loan does not go through -

Today, Lawyers Title is a proud member of the Fidelity National Financial, Inc. (NYSE:FNF) family of title companies, which collectively represent the largest title insuranceand escrow services company in the world.

A Fortune 500 Company


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SBA 504 FMLP Single Loan LLC Entity Program

Reconveyances

Recordings

Attorney Services

Flood Certification

Credit Reporting

Collection & Trust

Trustee Sales Guarantees

Real Estate Tax Service

Foreclosure Publishing & Posting

Exchange Intermediary Services

Real Estate Information & Technology Services

Originating

Funding Purchasing

Selling

Securitizing

Equipment Lease Servicing


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SBA 504 FMLP Single Loan Entity Program

Accept the Rate and Term of the Loan

CH Capital Partners LLC explains the rate, loan term and creation of the loan

There are based rate and Index with par pricing available, these rates are subjected to change.

Variable

Fixed 5 Years

Fixed 7 Years

Fixed 10 Years

Potential

Fixed 15 Years

Fixed 20 Years

Fixed 30 Years

All the rates are subjected to change, furthermore the spread or the rate plus index can changewithout notice. The secondary markets are subjected to change. There is no guarantee that acertain rate is attainable. The rates can be managed, and CH Capital Partners LLC or 504Wholesale are hold harmless if the rate changes, regardless of the reason which caused therates to change.


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Receive the Package and the Purchase agreement from Third Party

Nationally Recognized third party Appraisal Company

Nationally Recognized Environmental Company

Deposit for CH Capital Partners LLC (Nevada LLC):

John Kim from CH Capital Partners LLC (Nevada LLC) Loan Servicer

Create an Single Asset LLC for the benefit of the loan

Deposit for CH Capital Partners LLC a member of Cordell Financial Group

Bank: Chase Bank

Address: 4732 NW Bethany Blvd, Suite G-1, Portland, OR 97225

Name on acct: CH Capital Partners LLC a member of Cordell Financial Group

Routing No: 325070760

Account No. 3570829314


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SBA 504 FMLP Third Party Reporting Companies

Appraisal Company: Keith Dawson (Dawson Appraisal , Inc.)

[email protected]

Office -(714) 901-2222

Mobile (714) 726-6183

15581 Placid Circle,

HuntingtonBeach, CA 92647 Environmental Company:

Partners Engineering and Science

Marshall Stancliff

Clients they represent: Mission Oaks National Bank, Key Bank, Zions Bank, United Western Bank,Mountain West Small Business Finance, Excel National Bank, Wells Fargo Bank, Nevada CommerceBank, Evergreen Business Capital, Community South Bank, Georgia Certified DevelopmentCompany, Mercantile Capital Corporation.

Members of NAGGL (national government guaranteed lenders), NADCO (NationalAssociation ofDevelopment Companies, EBA ( EnvironmentalBankers Association)

Document Preparation Company Cortland Capital Market Services LLC clients JP Morgan, Morgan Stanly, Goldman Sachs,

Citibank

Also your servicers of the Loan


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The first Lien Bridge Lender

CH Capital Partners & SBA wholesale have variety of lenders from Hedge Funds,

Private Equity, Commercial Banks, Community Banks to help the Single Entity

LLC member retain a loan through the FMLP Program


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Closing Docs

Cortland Land Document Services which will create documents in conjunctions

with CDC SBA 504 Debenture. Cortland has significantly large pools of

Government loan to manage and understand the wide variety of Government

Loan Servicing.

Cortland also with the development of LLC can help the liquidation of the incase

the default.


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SBA 504 Debenture Bridge Lender

CH Capital Partners & SBA wholesale have variety of lenders from Hedge Funds,

Private Equity, Commercial Banks, Community Banks to help the Single Entity

LLC member retain a loan through the FMLP Program


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What Happens to your 7.5%

You as the borrower receives the 7.5% of the whole project as a full disbursement

After the Loan closes, the borrowers will have the proceeds of the loan.

You will receive a membership owners certificate from the LLC that owns 15% the

loan of the First Lien Conventional Loan with Secondary Market owning 85% 15% of the loan is not guaranteed, however, the collateral has to be lower then

the 50% of the current appraised value. This is in no guarantee that incase of

default, the 15% would be saved.


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90 days to 120 days of collection of Mortgage Payment

Removes the potential to have the loan go through adverse financial condition

This loan is paid on the 1st of the month, but because of the servicing, the loan

through Colson Services may be credited until the 15th of each month.

Due to the delay in Government Loan servicing, we require the borrowers of allSBA 504 FMLP to put in escrow or through ETF, that payment in advance for the

lenders protection.


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Servicing of the Loan

Cortland Capital Market Services LLC is a leading independent investment servicing companyproviding fund administration, commercial bank loan servicing, securitization services, andmiddle-office support to financial institutions including proprietary trading and alternativeinvestment managers, banks, and commercial lenders.

Utilizing state-of-the-art process technology, Cortland's experienced professionals delivereffective investment servicing solutions to our clients across asset sectors including structuredfinance, real estate, managed futures, equities, distressed debt, syndicated bank loans,conventional C&I loans including SBA and USDA guaranteed, tax liens, and more.

Online accounts will be available for the Lender.

Online Report will be available

Member of LSTA (Loan Syndication and Trading Association

Member of NAGGL (National Association of Government Guaranteed Lenders)

Member of CRE Finance Counsel


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Courtland Services one of the largest Loan Servicer in USA

Clients like JP Morgan, Morgan Stanley, Goldman and many of the worlds

largest banks

Need to provide the ETF account Number

Deposit of the loan interest and principal payment on 7.5% of the loan

Electronic Privacy will be mandatory from the servicers program


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Loan will be serviced by Cortland Capital Markets LLC

Monthly Payment Monitoring

Tickler reports

Auto-deposit Program

ETF Forms for monthly payment

Annual reports

Quarterly Report on the SBA 504 First Lien Loan

Servicing Programs

Tickler Report Annual Tax Reporting

1099 Distribution

CH Capital - Sally C

Documents

Transcript of CH Capital - Sally C