1. Superior Financial Group
SBA Community Express Loan Program and Online Training

2. Table of Contents SFG SBA Community Express Loan Program Overview
SFG Online Application Process
SFG Real Time reporting System
How to get started

3. Why Choose SFG?
Online Instant Pre-Qualification SBA CE loans from 5k to 25k
Real-Time reporting of clients funding status
Since 2002 funded over 9000 SBA community express loans between Innovative bank and SFG
Safe and Secure internet security protocol
Receive $100 per funded loan

4. Who is Superior Financial Group (SFG)?
SFG is one of 13 non-Bank licensed SBA Lender SBLC (small business lending company)
Headquartered in Walnut Creek, California
Company started in December 2005
Combined over 35 years of lending experience to Small Office Home Office businesses.

5. Background
Tim Jochner and Joe Kaplan have started 3 businesses together all catering to Small businesses.
Sold Innovative Merchant Solutions in Oct 2003 to Intuit, Inc “INTU” the makers of QuickBooks and sold Innovative Bank to a private group in Jun 05 respectfully
Bought the Bank of Oakland in 2001 and renamed it Innovative Bank
Started the Innovative Bank SOHO SBA Community Express loan program in 2002
Became a top five SBA lender in the first 12 months, and funded over 8000 loans
Responsible for 90% of the SBA increase in number of loans during the 02, 03 and 04 fiscal years.

6. Business Practice Awards
Arthur Anderson Award - Best Business Practice in Customer Satisfaction Ernst & Young Award - Entrepreneurs of the Year U.S. Chamber of Commerce Award - Blue Chip Enterprise U.S. Association for Small Business & Entrepreneurships - "Corporate Entrepreneur's of the Year" Entrepreneur Magazine - Ranking of #6 of the Hot 100 U.S. Businesses

7. What is SBA Community Express (CE)
It falls under the SBA 7 (a) program like SBA Express
Technical Assistance by an approved technical assistance provider is required
The lender is allowed to use there own paper-work and credit decision process.
Has an 85% government guarantee

8. SBA Community Express Eligibility Requirements
Must not be a convicted felon
Must not have defaulted on government backed student loans
Must not have defaulted on child support payments
Must not have any IRS judgments or tax liens
Cannot have over 100,000 cash or equivalents

9. SBA Community Express Program
Online Pre-Qualification application
Pre-Qualification in seconds
No Collateral Required
Affordable Monthly Principal and Interest Payments
No Balloon Payments
No Prepayment Penalty
Quick Source For Unsecured Working Capital

10. Superior Financial Group’s Community Express Loan Program
Loan amounts from $5,000 - $25,000
Interest rate of WSJ Prime Rate + 4.5%
Start up businesses are OK
Most legal, for profit businesses eligible
Most franchises eligible
Establishes credit for your business
Electronic funding into your business checking account – no waiting for a check!
Electronic loan payments from your checking account – no check writing or mailing!

11. Estimated Monthly Payments
SMALL OFFICE/HOME OFFICE - Lower amounts best suited for smaller or newer businesses needing working capital. This program has less stringent personal credit requirements of the owners.
Loan Amount
Apprx. Monthly Payment
Packaging/
Processing Fee
SBA Guaranty Fee
Interest Rate
$5,000
$74
$450
Paid By SFG
WSJ Prime +4.5%
$7,500
$110
$127.50
$10,000
$147
$170.00
$12,500
$183
$212.50
GROWTH ACCELERATOR ASSISTANCE PROGRAM - Larger amounts for more established businesses seeking a quick source for working capital. Due to the larger amounts this program has stricter credit requirements.
$15,000
$220
$550
$255.00
$20,000
$292
$340.00
$25,000
$365
$425.00
Lower amounts best suited for smaller or newer businesses needing working capital. This program has less stringent personal credit requirements for the owners.

12. SFG Pre-Qual application
Go to
On the Top Button Row of the Web-Site select Pre-Qual now
Must Have a User Name and Password to use the system
Online Tutorial is available on the SFG Pre-Qual Screen

13. Select Pre-Qual now to get started

14. Click to see video tutorial
Enter your assigned user name and password to get started
Click to see video tutorial

15. Enter the clients first and last name here to then click I authorize

16. This is the SBA 1919 form any “yes” questions is an automatic SBA disqualifier

17. Enter business information
Make sure you select your TA office using the down arrow
Enter products sold then click on find Industry codes button. This will automatically find the clients industry code.
Enter business information

18. Enter Personal Information of the borrower
Own or rent their home

19. Pre-Qual’s are only good for 14 days so complete and mail the paperwork ASAP
Complete and have the client sign the original paperwork due to SBA rules we still require wet signatures and mail to this address
Click on the loan PDF link to download the paperwork

20. Superior Financial Groups Online Real-Time Reporting System
Go to
Review your Clients Status in Real-Time
Detailed Reports on Client Status
Know when clients have been funded
Saves you Time and Money

21. To see your reports type in www.superiorfg.com/tap
Use your assigned user name and password

22. The first screen is your general overview
Select Loan Apps to get a more detailed reports

23. Click on the Report icon to see action items and client status

24. Status information is where you will find any ACTION items needed to fund your client’s loan, its very important to review this section!

25. How to get Started Complete and sign a TA agreement with SFG
Submit your SBA TA approval letter with your SFG TA agreement
You will receive a user name and password which will allow you to access the Online reporting system and the pre-quail application
You will also receive a demo link on how to use the Pre-Qual application
Donations are $100 per funded account and are paid monthly

26. Community Express Loan Technical Assistance Provider Plan

27. Table of Contents
Community Express Loan Technical Assistance Provider Plan: Borrower’s Process…………. 3
Borrower Completes Technical Assistance Registration………………… 4
Technical Assistance Needs Assessment Mockup………………………... 5
Technical Assistance Needs Assessment Report and Associated Online Workshop Content Prioritized by Needs…………………….. 6
Online Workshop: Course Features………………………………………….. 7
Online Workshop: Sample Completion Certificate………………………… 8
Community Express Loan Technical Assistance Tracker: Home Page, Counselor View…………………………………………….. 9
Community Express Loan Technical Assistance Provider Plan: Borrower’s Process with Technical Assistance Tracker: Counselor View…………………………………………………………… 10

28. Choose type of technical assistance
Community Express Loan Technical Assistance Provider Plan: Borrower’s Process
Applicant is approved by Superior Financial Group for Community Express Loan
Complete
Online
Registration
Complete Technical Assistance Needs Assessment
Review Technical Assistance Needs Assessment Report 1 2 3 4
Choose type of technical assistance
Work with Certified Counselor
Take Online Workshop 5a OR 5b
Complete Action Plan
Receive Completion Certificate 6 7 28

29. Borrower Completes Technical Assistance Registration
The purpose of registration is to:
Collect company and industry demographic information
Collect contact information
Set up login and password
Borrower’s Assessment and Recommendations are customized to their Business Type.

30. Technical Assistance Needs Assessment Mockup
Entire Assessment not shown

31. Technical Assistance Needs Assessment Report and Associated Online Workshop Content Prioritized by Needs
Technical Assistance Needs Report:
Borrower is directed to take Online Workshop, starting with content related to greatest needs areas – in this case, Financial Management content.
Displays an overview of borrower’s scores for each category
Indicates areas of greatest technical need 31

32. Online Workshop: Course Features
Each Chapter Includes:
Multimedia presentation illustrating key chapter concepts
Table of Contents providing access to:
All course chapters
Business Assessment Center
Course Completion Certificate
Business Assessment
Videos of well-known entrepreneurs discussing chapter topic
Worksheets provided to facilitate implementation of course concepts
Course takes several hours to complete

33. Online Workshop: Sample Completion Certificate

34. Community Express Loan Technical Assistance Tracker: Home Page, Counselor View
Create, edit, and track Action Plan and counseling session notes
Track Client’s progress in Online Workshop
One-click access to:
Client’s completed worksheets
Client’s Technical Assistance Needs Report
Client’s Business Assessment Results from Online Workshop
Ability to set reminders and follow up when due dates are passed

35. Choose type of technical assistance
Community Express Loan Technical Assistance Provider Plan: Borrower’s Process with Technical Assistance Tracker: Counselor View
Applicant is approved by Superior Financial Group for Community Express Loan
Complete
Online
Registration
Complete Technical Assistance Needs Assessment
Review Technical Assistance Needs Assessment Report 1 2 3 4
Technical Assistance Tracker: Counselor View Tracks, audits, and reports on borrower’s activities at key points in the Technical Assistance process
Choose type of technical assistance
Work with Certified Counselor
Take Online Workshop 5a OR 5b 4
Complete Action Plan
Receive Completion Certificate 6 7 5b 6 7 35

36. Contact Information
Superior Financial Group
165 Lennon Lane Ste 101
Walnut Creek, Ca 94598
toll free
phone
fax