MainSource Bank & The SBA

Company Overview Founded in 1904 Community bank headquartered in Greensburg, IN $3.4 billion in Total Assets 900 Employees Preferred Lender of the SBA Ranked 3rd in Indiana in loan approvals year to date for SBA 7A loans

Agenda Preferred Lender Program Working With Your Banker Qualifying for a business loan

Preferred Lender Program Stream lined approval process on SBA Loans Improves closing timelines & improves efficiencies for the bank in the SBA loan process MainSource employs a staff dedicated to SBA lending to help both its customers and bankers through the process

Working With Your Banker Work with you to understand your lending and banking needs Focused on knowing your business and growing its relationship with the bank A strong knowledge of business lending and how they can get your business qualified Fast local deliveries of banking products Guidance through the lending process

Qualifying for a Business loan Obtaining a loan 5 Cs of borrowing Do I need an SBA loan guarantee Benefits of SBA lending

Obtaining a Business Loan MainSource looks for these factors when making its loan decisions: Cash Flow- coming and going of cash in a business EBIDA- Earning Before Income Depreciation & Amortization Balance Sheet- collateral analysis Personal Financial Statements- picture of the individuals financial position

5 Cs of Borrowing Capacity Capital Collateral Conditions Character

Do I need an SBA Guarantee Collateral Shortfalls Industry Risk Need for less Down Payment Higher loan to values New Business

Benefits of SBA Lending Expand the Credit Box Allows us to approve loans that we normally would decline through our conventional loan process Potential longer loan terms- help cash flow Lower cash injections Mitigate collateral shortfalls

Summary Preferred Lender Program- allows for a speedy SBA process Banker Relationship- key to helping you and your business navigate the lending process SBA or Conventional- the bank and banker can work with you to determine which is best for your lending needs

Contact Information Ryan Murphy AVP, Business Banker 317-884-7315 – Office 317-289-6208 – Cell ramurphy@mainsourcebank.com Mark Schoettmer VP, SBA Director 317-360-7049 – Office 765-524-8844 – Cell mschoettmer@mainsourcebank.com