Why borrowers select Point Center:

1. Quick funding for time sensitive loans
   
   
2. Loss of bank loans, for any reason, including credit denials and excessive loan conditions
   
   
3. Borrower's election to avoid the long hassle of processing a bank or institutional loan
   
   
4. Point Center's ability to make larger loans with more flexible terms than most banks
   
   
5. Short term bridge loans
   
   
6. Property purchased with a percentage of down payment in the form of subordinated seller financing
   
   
7. Construction loans from infrastructure and vertical construction
   
   
8. Borrower has an opportunity to make an investment in a new property using the equity in the real estate he/she owns. Point Center can cross collateralize both properties
   
   
9. Borrower has circumstances making it difficult to obtain institutional loan including, but not limited to:
   • Complex financing structures (LLCs, partnerships, trusts, and corporations)
   • Credit problems (minor to moderate)
   • Tax liens (Federal and state taxes, estate taxes, etc.)
   • Foreclosure or receivership
   • Bankruptcy (old or current)
   • Other liens (judgment, Homeowners Association, property tax, etc.)
   • Property held in probate, trusts, family limited partnerships, irrevocable trusts, corporations, etc.
   • Divorce, medical emergency, or unemployed
   
   
10. Property has characteristics making it difficult to obtain an institutional loan including, but not limited to:
    • Partially or nearly completed construction of the building
    • Property improvements or rehabilitation
    • Loan is needed to increase the occupancy rate of the property
    
    
11. Note Hypothecations (loans secured by assignments of notes and trust deeds)