CVS Surveyors has an excellent track record.In rating we have an average reduction rate of 9.2%,an industry enviable average.In rent we have reduced our Clients rent liabilities by an average of 10.4%.

1. Technical AssistanceTechnical Assistance
Procurement AssistanceProcurement Assistance
Financial AssistanceFinancial Assistance
U.S. Small BusinessU.S. Small Business
AdministrationAdministration
Major ProgramsMajor Programs

2. TECHNICAL ASSISTANCE
Marketing
Accounting
Organizational
Business Planning
Cash Flow Management
Government Procurement
Business Licensing and Regulations
One-on-one Counseling Seminars
Information Resource Training Programs
SCORE SBDC WBCSCORE SBDC WBC
One-stop assistance

3. PROCUREMENT
ASSISTANCE
Minority Business Development &Minority Business Development &
Government Contracting ProgramsGovernment Contracting Programs 8(a) Business Development Program8(a) Business Development Program
 Small Disadvantaged Business (SDB) ProgramSmall Disadvantaged Business (SDB) Program
 HUBZone Empowerment Contracting ProgramHUBZone Empowerment Contracting Program
 Surety Bond Guarantee ProgramSurety Bond Guarantee Program
 Service-Disabled Veteran-Owned Small BusinessService-Disabled Veteran-Owned Small Business
(SDVOSB) Program(SDVOSB) Program

4. Financial AssistanceFinancial Assistance
7(a) Loan Program7(a) Loan Program
504 Loan Program504 Loan Program

5. Loans may be used for any reasonable
business purpose including:
Equipment Debt refinancing
Inventory Business purchase
Real estate Working Capital
Franchise www.franchiseregistry.com
Financial Assistance
7(a) Loan Guaranty Program

6. Maximum Loan MaturitiesMaximum Loan Maturities
 Working Capital 5-7 yearsWorking Capital 5-7 years
 Real Estate up to 25 yearsReal Estate up to 25 years
 MachineryMachinery useful life ofuseful life of
assetasset
 Just about everything else is 10 yearsJust about everything else is 10 years
Financial Assistance
7(a) Loan Guaranty Program

7. SBA Interest Rate PolicySBA Interest Rate Policy
 Terms of less than 7 yearsTerms of less than 7 years
Prime +2 1/4%Prime +2 1/4%
 Terms of 7 years or moreTerms of 7 years or more
Prime +2 3/4%Prime +2 3/4%
 SBASBAExpressExpress Loans & Loans less thanLoans & Loans less than
$50,000 may have higher interest$50,000 may have higher interest
ratesrates
Financial Assistance
7(a) Loan Guaranty Program

8. SBA General Eligibility CriteriaSBA General Eligibility Criteria
♦ Must be for profitMust be for profit
NotNot engaged in lending, real-estate development,engaged in lending, real-estate development,
investments or speculationinvestments or speculation
♦ Must be smallMust be small www.sba.gov/sizewww.sba.gov/size
♦ Must have a sound business purposeMust have a sound business purpose
♦ Good CreditGood Credit
♦ Good CharacterGood Character
♦ Equity InvestmentEquity Investment
Financial AssistanceFinancial Assistance
7(a) Loan Guaranty Program7(a) Loan Guaranty Program

9. Financial AssistanceFinancial Assistance
7(a) Loan Guaranty Program7(a) Loan Guaranty Program
MaximumMaximum $2,000,000$2,000,000 loan limitloan limit
-SBAExpress: Up to $350,000$350,000
-Patriot Express: Up to $500,000$500,000
-SBA CommunityExpress - Up to $250,000

10. SBASBAExpressExpress
 Uses lender’s forms — not SBA’sUses lender’s forms — not SBA’s
 Loans or revolving lines of credit to $350,000Loans or revolving lines of credit to $350,000
(Export Express up to $250,000)(Export Express up to $250,000)
 SBA guaranty of 50% to the bankSBA guaranty of 50% to the bank
 36-hour response from the SBA36-hour response from the SBA
Financial Assistance
7(a) Loan Guaranty Program

11. PATRIOT EXPRESSPATRIOT EXPRESS
 Similar to SBASimilar to SBAExpressExpress but onlybut only
open to the military communityopen to the military community
and their spousesand their spouses
 Loan Limit increased to $500,000Loan Limit increased to $500,000
 Guaranty increased to 7(a) levelsGuaranty increased to 7(a) levels
 Interest rates lowered to 7(a)Interest rates lowered to 7(a)
levelslevels

12. Patriot Express EligibilityPatriot Express Eligibility
 VeteransVeterans
 Active Service members eligible for TAPActive Service members eligible for TAP
 Reservists and National Guard MembersReservists and National Guard Members
 Current Spouses of the aboveCurrent Spouses of the above
 Widowed Spouses of the any of the aboveWidowed Spouses of the any of the above
who died during service or from service-who died during service or from service-
connected disabilitiesconnected disabilities

13. Community Express LoanCommunity Express Loan
ProgramProgram
♦ Loan up to $250,000Loan up to $250,000
( lenders may set lower limits)( lenders may set lower limits)
♦ All other 7(a) criteria appliesAll other 7(a) criteria applies
♦ Technical Assistance (T/A) AvailableTechnical Assistance (T/A) Available
Find updated list of T/A providers atFind updated list of T/A providers at
www.sba.gov/va
Financial Assistance
7(a) Loan Guaranty Program

14. $1,500,000
♦$2,000,000 for Public Policy Loans
♦$4,000,000 for Small Manufacture
This is currently proposed to be increased to $5 million
***Excluding the bank financing and equity injection
Maximum SBA/504 Debenture Financing***
Financial AssistanceFinancial Assistance
504 Loan Program504 Loan Program
Certified Development CompaniesCertified Development Companies

15. Typical 504 Structure
Bank financing required for 50% of cost
CDC/SBA may finance 30-40% of project
Business normally invests 10-20% of the cost
Financial AssistanceFinancial Assistance
504 Loan Program504 Loan Program
Certified Development CompaniesCertified Development Companies

16. Financial AssistanceFinancial Assistance
504 Loan Program504 Loan Program
Certified Development CompaniesCertified Development Companies
♦ Fixed asset financing onlyFixed asset financing only
♦ Long term -Long term - 10 or 20 years10 or 20 years
♦ Low fixed rate of interestLow fixed rate of interest
♦ Generally requires job creationGenerally requires job creation
♦ Certain loans may now beCertain loans may now be
refinanced into the SBA 504refinanced into the SBA 504
loanloan
♦ Refinancing limited to 50% of

17. SBA Nationwide Loan VolumeSBA Nationwide Loan Volume
Dollars in BillionsDollars in Billions

18. Richmond District Loan VolumeRichmond District Loan Volume
Dollars in MillionsDollars in Millions

20. American Recovery &American Recovery &
Reinvestment Act of 2009Reinvestment Act of 2009
•The bill provided $730 million to SBA and makes changes to the
agency’s lending programs so that they can reach more small
businesses that need help. The funding includes:
• $375 million for temporary elimination of Borrower’s Fee
•$255 million for a new loan program to help small businesses
meet existing debt payments tentatively called the American
Recovery Capital (ARC) Loan Program
•Increase SBA guaranty percentage to 90% for most loan
programs
`

21. 7(a) 2009 Loan Program7(a) 2009 Loan Program
EnhancementsEnhancements
Loan Programs receiving a 90% guaranty are:Loan Programs receiving a 90% guaranty are:
Regular 7(a), PLP, CLP, Community Express,Regular 7(a), PLP, CLP, Community Express,
Patriot Express, Export Express, and Small/RuralPatriot Express, Export Express, and Small/Rural
Lender Advantage.Lender Advantage.
SBASBAExpressExpress remains at 50%remains at 50%

22. How Long will these enhancements last?How Long will these enhancements last?
 SBA will eliminate upfront guaranty fees and increaseSBA will eliminate upfront guaranty fees and increase
guaranty percentages until about March 28, 2010.guaranty percentages until about March 28, 2010.
 12/19/09 - Additional $125 million authorized12/19/09 - Additional $125 million authorized
 3/2/10 – Additional $60 million authorized3/2/10 – Additional $60 million authorized
 ARC Funding may last until September 2010ARC Funding may last until September 2010

23. American Recovery Capital (ARC) LoanAmerican Recovery Capital (ARC) Loan
ProgramProgram
Loans to viable small businesses that have a qualifyingLoans to viable small businesses that have a qualifying
small business loan and are experiencing immediatesmall business loan and are experiencing immediate
financial hardship. Viable may be simply showingfinancial hardship. Viable may be simply showing
ability to repay the loan.ability to repay the loan.
Program parameters include:Program parameters include:
a)a) Maximum Loan is $35,000Maximum Loan is $35,000
b)b) Proceeds shall be used to make full or partial P & I loan payments on qualifyingProceeds shall be used to make full or partial P & I loan payments on qualifying
loans for a period of time not to exceed 6 months.loans for a period of time not to exceed 6 months.
c)c) Have a 100% SBA GuarantyHave a 100% SBA Guaranty
d)d) No Guaranty Fee (or other SBA fee)No Guaranty Fee (or other SBA fee)
e)e) Have interest fully paid by SBA for the period of the loan – Prime plus 2%Have interest fully paid by SBA for the period of the loan – Prime plus 2%
f)f) Repayment does not begin until 12 months after final disbursement of funds.Repayment does not begin until 12 months after final disbursement of funds.
g)g) Maximum Term is 6.5 yearsMaximum Term is 6.5 years

24. Nationwide ARC LendingNationwide ARC Lending
through March 5, 2010through March 5, 2010
 6,484 loans (796,484 loans (79 in Virginia)in Virginia)
 $209,394,892 ($2,406,134 VA)$209,394,892 ($2,406,134 VA)
 49 states (plus DC)49 states (plus DC)
 1,175 lenders (23 in Virginia)1,175 lenders (23 in Virginia)
 667 industries667 industries

25. Virginia ARC Loans YTDVirginia ARC Loans YTD
 Old Point National Bank 16Old Point National Bank 16
 StellarOneStellarOne 1313
 SunTrust BankSunTrust Bank 1313
 Frontier Community BankFrontier Community Bank 77
 Virginia Company BankVirginia Company Bank 66
 Wells FargoWells Fargo 55
 UVA Community CU 4UVA Community CU 4
 Central Virginia BankCentral Virginia Bank 33
 Peoples Bank of Virginia 3Peoples Bank of Virginia 3
 Bank of LancasterBank of Lancaster 22
 Farmers & Merchants 1Farmers & Merchants 1
 First Bank & Trust 1First Bank & Trust 1
 First Capital BankFirst Capital Bank 11
 First Market BankFirst Market Bank 11
 Jefferson Security BankJefferson Security Bank 11
 Park View FCUPark View FCU 11
 River Community BankRiver Community Bank 11
 Surrey Bank and TrustSurrey Bank and Trust 11
 Union Bank and TrustUnion Bank and Trust 11
 United BankUnited Bank 11
 Virginia National BankVirginia National Bank 11Through March 5, 2010

26. SBA Recovery Efforts ImpactSBA Recovery Efforts Impact
 Loan Volume Has Increased 76 %Loan Volume Has Increased 76 %
 As of October 30, SBA hasAs of October 30, SBA has supported $13.9supported $13.9
billion in small business lendingbillion in small business lending with thewith the
approval of $10.2 billion in loans since Feb.approval of $10.2 billion in loans since Feb.
17.17.
 More Lenders Making LoansMore Lenders Making Loans

From Feb. 17 to September 30, moreFrom Feb. 17 to September 30, more
than 1,260 lenders that had not madethan 1,260 lenders that had not made
a loan since Oct. 2008 made 7(a) ora loan since Oct. 2008 made 7(a) or
ARC loans.ARC loans.

27. Secondary Markets UptickSecondary Markets Uptick
 After months of reduced activity and lowerAfter months of reduced activity and lower
premiums, the SBA 7(a) secondary marketpremiums, the SBA 7(a) secondary market
is picking up and premiums are beginningis picking up and premiums are beginning
to recover.to recover.
 From May to September, the averageFrom May to September, the average
monthly loan volume was $348 million.monthly loan volume was $348 million.
 This has provided lenders with additionalThis has provided lenders with additional
liquidity to increase lending.liquidity to increase lending.

28. Other Recovery ProgramsOther Recovery Programs
 Size Standards Temporarily IncreasedSize Standards Temporarily Increased
 Including its affiliates, the applicant’s tangibleIncluding its affiliates, the applicant’s tangible
net worth may be up to $8.5 million, andnet worth may be up to $8.5 million, and
average net income after Federal incomeaverage net income after Federal income
taxes (excluding any carry-over losses) for thetaxes (excluding any carry-over losses) for the
preceding two completed fiscal years may bepreceding two completed fiscal years may be
up to $3.0 million.up to $3.0 million.
 Floor Plan Financing is now eligible forFloor Plan Financing is now eligible for
certain industriescertain industries