DOCUMENTATION

A) All 50 U.S. States and Territories, including Puerto Rico and the U.S. Virgin Islands, Guam, and American Samoa. Because this program is an advance and a pledge against future cash flow, and not a loan, we are not geographically restricted.

A) Most property types will be considered so long as they support a strong net monthly cashflow as determined by a 12-mo Profit & Loss Statement broken down monthly (including debt service). We provide review and quotes in 24-48 hours so we can let you know quickly with just an application and 12-Month Profit & Loss statement. Application | Cash Flow Advance (https://form.jotform.com/MACO_Financial/cashflow-advance-request)

A) No. While appraisals (if you have one) is very helpful and beneficial in our review, the Cash Flow Advance program does not require any appraisals for funding, as we do not require any real estate collateral for these loans. Funding is an Advance against your existing Cash Flow, as determined by a 12-mo Profit & Loss Statement broken down monthly and including debt service.

A) Repayment terms and duration will be determined after review of a 12-mo Profit & Loss Statement broken down monthly (including debt service) and after we have an understanding of your existing debt in place (if applicable). Interest 1-5 year Terms Fully Amortizing and set monthly payment structure* $100,000 Minimum advance per entity $2,000,000** Maximum advance per entity 10-16% Annual Financing Fee (10-13% most typical) 2.00% Lender Origination 2.00% Broker Origination to MACO Cash Flow Assignment and Short Term Preferred Equity in borrowing entity (No liens on property) Pre-Payment Deferred Payment Options are available. Required 3+ Months of Payments Held in Cash Reserve * Interest-only may be available on a case-by-case basis during lease up periods, but is not the norm. **Extended approval process over $500,000

A) There is a 2.00% Lender origination fee, and 2.00% Broker origination Fee paid out of loan proceeds payable to MACO Financial. Lender also collects a deposit (fees range from $2,000+ depending on complexity and loan size) after terms are provided and you wish to proceed with the loan to cover legal fees.

A) Yes! We can provide an advance against Developer Fees if the Developer Agreement outlines monthly income, and you can evidence a history of receipt for this time of income. In this case, we would not evaluate property financials, but rather Historicals from the borrowing entity who holds the Developer Agreement. Send us an e-mail to discuss further at info@macofinancial.com (info@macofinancial.com)

A) Yes. We can review and underwrite multiple entities if you own a portfolio that is held under various LLCs (or other Corp entities). The max funding permitted per entity is $2,000,000.

A) To obtain a preliminary quote for a Cash Flow Advance, we need the following: 1. A trailing 12-mo Profit & Loss Statement that is broken down monthly and which must include debt service (if any debt exists) 2. An application understanding of your existing mortgage note(s) including maturity date, any changes in amortization (going from Interest-Only to Fully Amortizing as 1 example), etc. We obtain this through an application here >> Cash Flow Advance Request Application (https://form.jotform.com/MACO_Financial/cashflow-advance-request) After a preliminary quote is provided, the following items are required for final Underwriting and Funding: PROPERTY DOCUMENTS • Lease Agreements • Details -- addresses, OTA links • Description of CapEx expenses • Most recent mortgage/debt statement • Mortgage Note • Refinancing documentation from past two years • STR Insurance or Home Insurance Policy • Management Agreement(s) (if applicable) • Flood / Fire insurance policy (if applicable) • Required Permits (if applicable) • HOA covenants and bylaws (if applicable) • Most recent appraisal (if available) ENTITY DOCUMENTS • 12 months Profit and Loss Statement(s) broken down by month • Balance Sheet • Operating Agreement • Articles of Incorporation • EIN Letter • Connect bank account(s) via secure online portal • Any other documents that outline debt or funding at the business or property level

A) Cash Flow Advances can close quick! On average, quotes takes 24-48 hours once we have a Trailing 12-Mo P&L, broken down monthly, and that includes debt service. Once your quote is delivered and you accept, final underwriting and funding takes an average of 14 days. Much larger loan requests or complicated income and expenses can take longer to review, but it will depend greatly on you as the borrower to provide detailed, clear, and organized documentation. First step is an application, and uploading the P&L (can be uploaded in the application itself, or emailed to info@macofinancial.com) Application | Cash Flow Advance (https://form.jotform.com/MACO_Financial/cashflow-advance-request)

A) Yes. This is a very common use of funds! There are absolutely no restrictions on the use of proceeds from the Cash Flow Advance program, so you can utilize these funds for anything. There are a few avenues to make this work: 1. You can either obtain an advance against another properties Net Cashflow from your existing REO / Portfolio. 2. On purchase transactions, the new subject property, if net cash flow positive, may be underwritten for the advance. **Important: For scenario #2, the seller must be willing to assist in providing you with the required financials required for underwriting (12-Mo Trailing P&L and 12-Mos Bank Statements at minimum), in order to also utilize the NEW Properties projected cashflow to support a new Cash Flow Advance. We would need to review the historical expenses, and then also understand the new debt/mortgage terms for your senior financing on the property to calculate projected net monthly cashflow. Additionally, the cash flow advance can be structured as either as a simple advance with a UCC-1 Filing against your borrowing entity - OR - as a LP in your borrowing entity with no voting rights, in which case no UCC-1 Filing would occur. The latter option makes us appear as an equity partner to your new mortgage provider on your real estate transaction, and therefore is not a loan for down payment and closing costs (which many lenders do not allow). A proof of funds letter may be available to provide to your senior lender once 100% of underwriting has been completed for the Cash Flow Advance.

A) There are no prepayment penalties, however, there is a minimum lock-out period of 3-6 months on most transactions (3-6 months minimum payments) depending on the term of the note and the final approval.

A) We do a soft credit pull upon application; however, we do NOT do a hard credit pull and the inquire will not be reflected on your credit report (leaving your credit unaffected). There are no minimum credit score requirements for this program however, and the soft credit pull is to obtain a general grasp of your repayment history as a borrower.

A) There is no minimum credit score on the Cash Flow Advance program. However, while there is no hard minimum requirement, a soft credit check is performed, and a background is reviewed and evaluated on an individual basis.

A) No. Our Cash Flow Advances do not report to personal, or business credit, so your credit score and DTI remain fully intact and unaffected. The only collateral for these loans are a pledge against your future Cashflow for the subject property, and either a UCC-1 filing against your entity (LLC, Corp etc) OR an LP-interest in your entity (in which case, there is no UCC-1 filing).

A) Yes. We can offer the Cash Flow Advance to Foreign Nationals so long as they can legally conduct business in the United States for the full length of the note term. The borrowing entity must also be a U.S. - based entity.