Superior Financial Group

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Superior Financial Group

• SBA Community Express Loan Program and Online
  Training

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Table of Contents

• SFG SBA Community Express Loan Program Overview
• SFG Online Application Process
• SFG Real Time reporting System
• How to get started

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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

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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.

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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.

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Business Practice Awards

• Arthur Anderson Award - Best Business Practice
  in Customer Satisfaction1998 Ernst Young
  Award - Entrepreneurs of the YearU.S. Chamber
  of Commerce Award - Blue Chip EnterpriseU.S.
  Association for Small Business
  Entrepreneurships - "Corporate Entrepreneur's of
  the Year"Entrepreneur Magazine - Ranking of 6
  of the Hot 100 U.S. Businesses

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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

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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

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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

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Superior Financial Groups 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!

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Estimated Monthly Payments
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SFG Pre-Qual application

• Go to www.superiorfg.com
• 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

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Select Pre-Qual now to get started
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Enter your assigned user name and password to get
started
Click to see video tutorial
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Enter the clients first and last name here to
then click I authorize
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This is the SBA 1919 form any yes questions is
an automatic SBA disqualifier
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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
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Enter Personal Information of the borrower
Own or rent their home
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Pre-Quals 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
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Superior Financial Groups Online Real-Time
Reporting System

• Go to www.superiorfg.com/tap
• Review your Clients Status in Real-Time
• Detailed Reports on Client Status
• Know when clients have been funded
• Saves you Time and Money

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To see your reports type in www.superiorfg.com/tap

Use your assigned user name and password
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The first screen is your general overview
Select Loan Apps to get a more detailed reports
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Click on the Report icon to see action items and
client status
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Status information is where you will find any
ACTION items needed to fund your clients loan,
its very important to review this section!
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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

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Community Express Loan Technical Assistance
Provider Plan
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Table of Contents

• Community Express Loan Technical Assistance
  Provider Plan Borrowers Process. 3
• Borrower Completes Technical Assistance
  Registration 4
• Technical Assistance Needs Assessment
  Mockup... 5
• Technical Assistance Needs Assessment Report and
  AssociatedOnline Workshop Content Prioritized by
  Needs.. 6
• Online Workshop Course Features..
  7
• Online Workshop Sample Completion
  Certificate 8
• Community Express Loan Technical Assistance
  TrackerHome Page, Counselor View
  .. 9
• Community Express LoanTechnical Assistance
  Provider Plan Borrowers Process with Technical
  Assistance Tracker Counselor View
  10

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Community Express Loan Technical Assistance
Provider Plan Borrowers Process
Complete TechnicalAssistance Needs Assessment
Review Technical Assistance Needs Assessment
Report
Applicant is approved by Superior Financial
Group for Community Express Loan
Complete Online Registration
Choose type of technical assistance
Work with Certified Counselor
Take Online Workshop
OR
Complete Action Plan
Receive Completion Certificate
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Borrower CompletesTechnical Assistance
Registration
The purpose of registration is to

• Collect company and industry demographic
  information
• Collect contact information
• Set up login and password

Borrowers Assessment and Recommendations are
customized to their Business Type.
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Technical Assistance Needs Assessment Mockup
Entire Assessment not shown
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Technical Assistance Needs Assessment Reportand
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 borrowers scores for
  each category
• Indicates areas of greatest technical need

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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

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Online Workshop Sample Completion Certificate
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Community Express Loan Technical Assistance
TrackerHome Page, Counselor View

• Create, edit, and track Action Plan and
  counseling session notes
• Track Clients progress in Online Workshop
• One-click access to
• Clients completed worksheets
• Clients Technical Assistance Needs Report
• Clients Business Assessment Results from Online
  Workshop
• Ability to set reminders and follow up when due
  dates are passed

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Community Express Loan Technical Assistance
Provider Plan Borrowers Process with Technical
Assistance Tracker Counselor View
Complete TechnicalAssistance Needs Assessment
Review Technical Assistance Needs Assessment
Report
Applicant is approved by Superior Financial
Group for Community Express Loan
Complete Online Registration
Technical Assistance Tracker Counselor
ViewTracks, audits, and reports on borrowers
activities at key points in the Technical
Assistance process
Choose type of technical assistance
Work with Certified Counselor
Take Online Workshop
OR
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Complete Action Plan
Receive Completion Certificate
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Contact Information

• Superior Financial Group
• 165 Lennon Lane Ste 101
• Walnut Creek, Ca 94598
• 877-675-0500 toll free
• 925-296-0500 phone
• 925-296-0510 fax
• www.superiorfg.com
• mermi_at_superiorfg.com