� Healthcare� Pet Care� CPAs� Lawyers� Engineers� Hotels & Motels

� Machine Shops� Funeral Homes� Auto Repair Services� Manufacturing� Technology-Related (IT)� Child Care

� Restaurants/Bars� Liquor Stores� Gas Stations

Convenience Stores

� Other Personal/ Professional Services

� Breweries� Distilleries� Dry Cleaners� Agriculture/Farming

RESTRICTED INDUSTRIESRCF finds it difficult to find lenders that lend to certain industries and business types. Examples include: used car

dealers, ecommerce, on-line retailers, marijuana dealers, strip clubs, and money services. For a complete list of our prohibited business types and industries, please speak with an Account Manager.

Examples of UNDERWRITING GUIDELINES

REQUIREMENTS

Annual Sales

Time in Business

Industries

Minimum FICO

Bankruptcy/Foreclosures

Payment History

Percentage of a Merchant Cash Advance or High Rate Product

Maximum Term

Bank Statements

Tax Returns

Financials

Debt Schedule

Additional Documentation

LOANS BETWEEN $20,000 AND $75,000

Minimum of $100,000

2 Years

All but restricted

660

None in last 3 years

No current or past due payments in the last 12 months

Only 1–2 existing high rate loans at the time of application

1–3 Years

3 Months of Bank Statements

Debt Schedule – only for debt

LOANS BETWEEN $75,000 AND $200,000

Minimum of $100,000

2 Years

All but restricted

660

None in last 3 years

No current or past due payments in the last 12 months

Only 1 existing high rate loan at time of application

2–3 Years

3 Months of Bank Statements

2 Most Recent Tax Returns

Year-to-Date Financials

Debt schedule – only for debt

LOANS OF $200,000 AND GREATER

Minimum of $250,000

2 Years

Preferred industries only

660

None in last 3 years

No current or past due

payments in the last 12 months

None allowed

4 Years

3 Months of Bank Statements

2 Most Recent Tax Returns

Year-to-Date Financials

Debt Schedule

Additional documents may be required

BUSINESS INSTALLMENT LOAN LENDING GUIDELINES

Rotay Capital Finance (RCF) is an advisor that works solely with partners to offer their small business clients the best financing solutions for their businesses. RCF offers conventional, Fixed rate term loans in amounts between $20,000 and $5,000,000 and terms that vary by the need and terms offered. Our application takes less than 10 minutes to complete, and funding can be available within days

PREFERRED INDUSTRIES AND BUSINESSES

Our lending model allows us to serve customers in a wide variety of industries, though there are some industries we know to be proven successes. They include:

Commercial Lending Business Install Loan Application

Privacy Policy - We respect and are committed to protecting your privacy. The personal and financial information you provide will be used by us to process your application, maintain your account, respond to court orders and legal investigations, or report to credit bureaus as applicable. Your personal and financial

information will not be sold or shared with third parties for purposes other than those identified in this Credit Application and your credit agreement.

PRIMARY APPLICATION INFORMATION

Full Name

Residential Address

City State Zip

E-Mail Address

Home Phone Mobile Phone

Date of Birth Social Security Number

BUSINESS IDENTITY INFORMATION

Legal Business Name

DBA (if Different)

Business Address

City State Zip

Business Phone Extension

Corporate Structure

EIN Number

PERSONAL PROFILE

Role/Title at Company

Own or Rent Residence?

Time at Current Residence

Value of Retirement, Bank, & Brokerage Accounts

Annual Income

If moved in past 2 years Previous Address

BUSINESS PROFILE

Industry Description

Is Business a Franchise?

☐ Yes ☐ N o

Rent or Own Business Property?

If Rent, How Much per Month?

Annual Sales Range Annual Business Profit before Tax

Number of Employees Number of Customers

Years in Business

Employee Benefits Offered?

☐Health ☐Retirement ☐Both ☐None

OWNERSHIP PROFILE

Is this Business Owned by Another Business?

☐ Yes ☐ No What Percent of the Business Do You Own?

LOAN REQUEST DETAILS

Loan Amount

Term ☐ One Year ☐ Two Year ☐ Three Year ☐ Four Year

Use of Proceeds

Current Outstanding Debt

Does Outstanding Debt Include any Daily Payment Products (e.g. Cash Advance)?

☐ Yes ☐ No

Detailed Description of Use of Proceeds

Other Items to Send Rotay Capital Finance, LLC

1. Business Bank Statements – Most recent 3 months2. Business Tax Returns – Most recent 2 years3. Year-to-date financials (if readily available)4. Debt Schedule – including lender, original amount, current balance and monthly payment

Customer Identification Program

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you and the business applicant. We may also ask to see your driver’s license or other identifying documents.

Business Loan Application Acknowledgement

You specifically represent to RCF and or its assigns (“RCF”, “Lender”, “we”, “us” or “our”), that in addition to the promises contained in the Commercial Lending Honor Code, if applicable, and any other authorizations contained in the application, you agree and acknowledge: (1) The information provided in this application and other requested and required information (collectively, the “Credit Application”) for the purpose of obtaining credit is true, accurate, and complete as of the date this Credit Application is submitted by you to the Lender; (2)The representations made in the Credit Application will be continuously relied upon by the Lender in evaluating the Credit Application and, if approved, in extending credit; and that you acknowledge that you have the obligation to amend and supplement the information provided in the Credit Application if any material facts should change prior to closing any loan or other extension of credit; (3)The Lender has not made any commitment to approve the Credit Application and extend credit, unless otherwise agreed to in writing; (4) The Lender is authorized to conduct any inquiries it decides are necessary to verify the accuracy of the information contained in the Credit Application and is also authorized to obtain credit reports from credit reporting agencies on you and your business; (5)The Lender is authorized to answer any questions from others about the Lender’s credit experience with you; (6)The Lender is authorized to retain the Credit Application, whether or not Lender approves any extension of credit; (7)If credit is granted, the Lender is authorized to obtain credit information regarding you or your business from time to time during any time that the credit obligation has an outstanding balance in connection with the servicing, monitoring, collection or enforcement of the credit obligation; and (8) The Lender shall not be liable for any claim arising from the use of information provided by you or for providing such information to others.

Consent to the Use of Electronic Signature and Electronic Transaction Disclosures

Consent to the Use of Electronic Signature. You understand and agree that by signing at the bottom this Credit Application, you consent and agree that your use of a key pad, mouse or other device to select an item, button, icon or similar act/action while using any electronic service we offer or in accessing or making any transactions regarding any agreement, acknowledgment, consent, terms, disclosures or conditions, constitutes your signature, acceptance and agreement as if actually signed by you in writing. Further, you agree that no certification authority (“Certification”) or other third party verification (“Verification”) is necessary to the validity of your electronic signature and that the lack of such Certification or Verification will not in any way affect the enforceability of your signature or any resulting contract between you and Rotay Capital Finance, LLC.

Consent to Conduct Business Electronically

You will receive disclosures, notices, documents and information (collectively, “Information”) from the approved lender. We conduct our lending business through the Internet and, therefore, require that you consent to receiving Information and doing business with us electronically.

You agree that all Information from us relating to your transactions with us, including, but not limited to, your use of our website, the credit application process, disclosures and documents, your credit obligation payments, and transaction history, may be provided or made available to you electronically by e-mail, at our website, or through other electronic means. Your consent to receive Information and do business electronically, and our agreement to do so, applies to all of your interactions and transactions with us.

You will need a computer to access and retain the Information electronically and to do business with us. If you are accessing our website and Information electronically via a mobile device (such as a smart phone, tablet, etc.), you must make sure that you have software on your mobile device that allows you to print and save the Information presented to you during the application process. If you do not have these capabilities on your mobile device, please access our website through a device that provides these capabilities.

Please keep us informed of any changes in your email or mailing address so that you continue to receive all Information without interruption. You can contact us by using our contact information located on our website.

You understand and agree that you are agreeing to abide by and to be bound by the consents above to the use of electronic signatures and to conduct business with us electronically. You agree that your electronic signature is effective and enforceable, a Certification or Verification being unnecessary with respect to your electronic signature.

Authorization to Access Personal Credit File

By checking the “I Agree” box associated with this this notice and continuing with the application process, you understand and agree that you are authorizing and instructing Rotay Capital Finance, LLC to obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax.

You also authorize RCF or its assignees to make any inquiries it decides are necessary to verify the accuracy of the information contained in your application, and you understand and agree that Rotay Capital Finance, LLC may contact third parties to verify any such information. You further understand and agree that Rotay Capital Finance, LLC may use your consumer reports to make credit decisions and for related purposes.

You authorize and instruct RCF or its assignees to obtain your consumer reports each time you request a loan, during the processing of closing of a loan to you, or at various times during the term of your loan in connection with the servicing, monitoring, collection or enforcement of the loan.

Business Name

Signature of Authorized Signer

Full Name

Date