Commercial Credit and Lending^*

Asset-Based Lending

Asset-Based Lending (“ABL”) is a specialized loan product that compliments a company’s working capital cycle. ABL revolvers advance on accounts receivable and inventory, which creates borrowing base liquidity to pay expenses. Additional monitoring means ABL can provide more liquidity to borrowers that have high leverage, seasonality, earnings fluctuations, or marginal cash flows. An ABL revolver can also advance on manufacturing and equipment (“M&E”) and real estate and does not require a guarantee. This type of financing is used for various purposes, including but not limited to:

• Working capital growth
• Refinancings
• Acquisitions
• Debtor-in-possession (“DIP”) financing

Commercial & Industrial Lending

Flagstar Bank’s Commercial and Industrial (“C&I”) Lending Team is comprised of seasoned professionals who can provide specialized banking solutions to help their clients sustain and grow their businesses. Our C&I loan products may be used for a variety of objectives, including but not limited to financing capital expenditures, working capital purposes, and more. Loan structures may include:

• Revolving Lines of Credit and Term Loans
• Diverse credit support mechanisms, ranging from all asset pledges to unsecured loans
• U.S. Small Business Administration (“SBA”) loans

Commercial Real Estate (“CRE”) Lending

You can count on Flagstar Bank’s CRE team to act as a trusted partner, they have significant experience providing financing options for office, retail & industrial properties, as well as multifamily residential properties. Our responsive, connected, and resourceful team is keenly aware of local market conditions and powered by strong relationships. By drawing upon our extensive knowledge in this space, our team can apply a more entrepreneurial approach – connecting people, ideas, and capital to your advantage. Below is a sample list of some of the purposes for which Flagstar Bank may offer funding.

• New Construction
• Acquisition
• Permanent Financing

Global Trade Services

Our global trade solutions span the domestic and international global payments spectrum. Examples of products offered are described below.

• Commercial Letters of Credit
• Standby Letters of Credit
• Documentary Collections

Healthcare Banking and Finance

Flagstar Bank’s Healthcare Banking and Finance (“HBF”) division focuses on providing financial services to a broad range of for-profit and not-for-profit healthcare organization owners, operators, and sponsors. Our team of experts serves healthcare organizations of all sizes and specialties nationwide, including:

• Hospitals
• Skilled Nursing Facilities
• Assisted Living Facilities
• Memory Care Facilities
• Independent Living Facilities
• Ambulatory Surgery Centers
• Continuing Care Retirement Communities
• Drug & Rehabilitation Centers
• Mental Health Facilities

Specialty Financing - Equipment Loans and Leases

Flagstar Financial & Leasing, LLC, a subsidiary of Flagstar Bank, provides equipment financing and leasing solutions to commercial clients nationwide, serving a diverse array of industries, including construction, transportation, manufacturing, technology, commercial marine, and franchise businesses.

• Multiple loan and lease structures are available, including tax leases
• We offer various vendor, manufacturer and dealer programs

Tax-Exempt Financing for Governments & Not-for-Profits

Flagstar Public Funding Corp., a subsidiary of Flagstar Bank, provides tax-exempt financing to state and local governments, as well as qualified 501(c)(3) non-profits, to facilitate the purchase or lease of a wide range of essential equipment. Such equipment may consist of new technology products, mission-critical vehicles, and energy management products, among many others. Tax-exempt financing enables our clients to borrow at lower rates as compared to rates for traditional financing facilities. Our client profile includes:

• Cities, States & Municipal Governments and their Agencies
• Healthcare Facilities
• Police and Fire Departments
• Public Universities
• School Districts