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Personal Loan Agreement Sample

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					                                               Originator Transaction
Submitter Transmission ID Project Number       ID                       Date Originated
                                           1   Tran - 1                                1/1/2002
                                           1   Tran - 1b                               1/2/2002
                                           2   Tran - 2                                2/1/2006
                                           3   Tran - 3                                2/2/2006
                                           4   Tran - 4                                3/1/2007
                                           5   Tran - 5                                3/2/2007
Original
Loan/Investment                                        Construction or
Amount                   Refinancing      Purpose      Permanent Financing
              111,111    NEWORIGINATION   RERHCOM
                34,000   REFINANCEALLOC   MICRO
              222,222    REFINANCEUNAFF   BUSINESS
              333,333    NEWORIGINATION   RECOSINGLE
              444,444    REFINANCEALLOC   RERHMULTI
              555,555    REFINANCEUNAFF   RECOCOM      BOTH
Take-Out Or             Acquisition or
Acquisition Financing   Rehabilitation     Rehabilitation Amount Origination Fees
                        ACQUISITIONREHAB                    55000                   100
                                                                                    120
                                                                                    200
                                                                                    300
                                                                                    400
TAKEOUT                                                                             500
                                             Interest Rate at
Use of Origination Fees   Transaction Type   Origination                Interest Rate
                          TERM                                                           2.2
                          LOC                                                            3.5
OPCOSTS                   EQTYINV
OTHERCDE                  DEBTEQTY                               4.25                   3.75
COMACTIVITY               OTHER
PARENT                    TERM                                  5.375                   9.55
                                                  Period of Interest Only
Interest Type   Points        Amortization Type   Payments (in months)
FIXED                    3.25 FULLAMORT                                 60
ADJ                       2.5 PARTAMORT

ADJ                      4.95 OTHER
                            4 PARTAMORT                                60
ADJ                      8.25 NONAMORT                                 60
                       Date First Payment
Term (in months)       Due                     Guarantee   Lien Position
                   120                2/1/2006 SBA         FIRST
                   120                2/2/2006 USDA        SECOND

                   120                        PERSONAL     FIRST
                   120               4/1/2007 OTHERGOV     SECOND
                    60                        NONE         OTHER
                  Collateral Value at
Collateral Type   Origination               Equity-Like Features   Equity Injection Amount
RE                                      500 NONE
REOTHER                                 500 CONVDEBT
VEH
EQUIP                                   500 PERFINT                                   500
INVENTORY
REC                                     500 OTHER
Advance Purchase                                          Equity-Equivalent
Commitment         Seller Organization   Equity Product   Terms & Conditions
                                         NO               NO
                                         NO               YES
                                         YES              NO
NO                                       NO               YES
                                         YES              NO
YES                Business A            NO               YES
Debt with Equity                       Below Market Interest   Comparable Interest
Features           Subordinated Debt   Rate at Origination     Rate at Origination
NO                 NO                  YES                                           8.5
NO                 YES                 YES                                            10
YES                NO                  NO
NO                 NO                  NO
YES                NO                  NO
NO                 YES                 YES                                      6.275
Below Market Interest
Rate Required under
Allocation Agreement    Below Market Interest   What is Interest Rate   Interest Rate
(Financial Note)        Rate (Financial Note)   Comparable?             Comparable Other
YES                     YES
NA                      NO
NA                      YES                     OTHER                   CREDIT UNION
NA                      NO
NO                      YES                     BANKS
YES                     NO
                      What is Standard
Lower than Standard   Origination Fees   Standard Origination
Origination Fees      (Financial Note)   Fees (Financial Note)   Standard Origination
(Financial Note)      Comparable?        Comparable Other        Fees (Financial Note)
NO
YES                                                                                  100
NO
YES                   BANKS                                                          420
NO
YES                   PARENT                                                         560
Longer than Standard      Standard Period Of     What is Standard     Standard Period of
Period of Interest Only   Interest Only Payments Period of Interest   Interest Comparable
Payments                  (in months)            Comparable?          Other
NO
YES                                           60
NO
NO
YES                                         120 OTHER                 CREDIT UNION
NO
                                                What is Standard      Standard Amortization
Longer than Standard   Standard Amortization    Amortization Period   Period Comparable
Amortization Period    Period (in months)       Comparable?           Other
NO
YES                                        72
NO
YES                                        84 NONNMTC
NO
NO
                                                What is Traditional   Traditional Form of
Nontraditional Forms of   Traditional Form Of   Form of Collateral    Collateral Comparable
Collateral                Collateral            Comparable?           Other
YES                       VEH
NO
NO
YES                       HOMEEQTY              PARENT
YES                       OTHER                 OTHER                 ABCD
NO
                            Principal Balance
Loan Status   QLICI Level   Outstanding             Days Delinquent
ACTIVE        ORIG                           11,111                   60
CLOSED        REINVST                        12,222                    0
SOLD          ORIGREIN
CHARGEDOFF    ORIG                          33,333                    21
REFIN         REINVST                       44,444                     0
ACTIVE        ORIGREIN                      55,555                     0
Number of Times 60
Days or More           Number of Times Loan
Delinquent             was Restructured      Amount Charged Off     Amount Recovered
                     2                     1
                     0                     0

                                                            1,200                      500
Fair Value at End of      Projected Internal Rate Projected Grant to
Reporting Period          of Return               QALICB


                 22,222                       3.5
                 33,333                      1.11
                                                                       2
                          Not Yet Disbursed /
Originator Transaction ID Projected QEI           Disbursement ID       Disbursement Date
Tran - 1                                                            1               5/15/2004
Tran - 1
Tran - 1
Tran - 1
Tran - 1
Tran - 1
Tran - 1
Tran - 1
Tran - 1                                                            2               5/24/2005
Tran - 1
Tran - 1
Tran - 1
Tran - 1
Tran - 1
Tran - 1
Tran - 1
Tran - 1b                 QEI ID (found in ATS)
Tran - 2                                                            1                3/2/2005
Tran - 2
Tran - 2
Tran - 3                                                            1               4/26/2005
Tran - 3
Tran - 3
Tran - 4                                                            1                6/6/2005
Tran - 4                                                            2                6/6/2006
Tran - 4                                                            3                6/6/2007
Tran - 5                  QEI ID (found in ATS)
Total Disbursement
Amount                Disbursement Source     Source Amount
               50,000 QEI ID (found in ATS)               4,000.50
                      QEI ID (found in ATS)               7,999.50
                      QEI ID (found in ATS)                 10,000
                      QEI ID (found in ATS)                  7,000
                      QEI ID (found in ATS)                 11,000
                      QEI ID (found in ATS)                  5,000
                      QEI ID (found in ATS)                  2,000
                      QEI ID (found in ATS)                  3,000
               50,000 QEI ID (found in ATS)                  1,000
                      QEI ID (found in ATS)                  8,000
                      QEI ID (found in ATS)                    800
                      QEI ID (found in ATS)                 12,000
                      QEI ID (found in ATS)                  2,000
                      QEI ID (found in ATS)                 19,000
                      Non-QEI                                4,200
                      Non-QEI                                3,000

               34,000 QEI ID (found in ATS)                 24,000
                      QEI ID (found in ATS)                  5,000
                      QEI ID (found in ATS)                  5,000
              300,000 Non-QEI                               34,000
                      QEI ID (found in ATS)                 66,000
                      QEI ID (found in ATS)                200,000
              400,000 Non-QEI                              400,000
             2,300.75 Non-QEI                             2,300.75
             5,225.00 Non-QEI                             5,225.00
                                                                     Total Project Cost -
                                             Total Project Cost -    Affiliates & Related                             Debt Service Coverage Loan Loss Reserve
Project Number       Total Project Cost      Public Sources          Programs                 Loan-to-Value Ratio     Ratio                 Requirement           Client ID
                 1                36,145,611                  45,000                      500                     125                   100                   100 ID 726
                 2                 3,222,222               2,220,000                    2,222                                                                     ID 929
                 3                10,500,750                                                                                                                      ID 126
                 4                   675,000
                 5                15,655,555               5,550,000                    5,555                60.125                  12.750                   300
                                                   Date Business                               Minority Owned or   Women Owned or   Low Income Owned or
QLICI Type   Investee Type   Investee TIN          Established              Entity Structure   Controlled          Controlled       Controlled
CDE          CDE                         123456789               1/1/2000   NONPROFIT          YES                 NO               YES
CDE          CDE                         558877446                          TRIBAL             YES                 NO               YES
QALICB       BUS                                                 1/1/1999   OTHER              NO                  YES              NO
CDE          CDE                         400036687
QALICB       BUS                                                 2/1/2001   FORPROFIT          NO                  YES              NO
                                                                                                                          Annual Gross Revenue
                                                          DS/FCOS Hours of                                                from Business
                                                          Assistance at Time of                                           Operations at Time of
Gender   Race      Hispanic Origin   Credit Score         Investment              Business Description   NAICS            Loan/Investment
MALE     AMIND     NO                               500                                                          212221
BOTH     BLACK     NO
NA       PACIFIC   YES                              350                       25 Housing                         238320                 250000

FEMALE   OTHER     YES                                                            Childcare Facility
Annual Gross Revenue
and Business
Operations Reported                                             Projected Jobs to be                           Projected Jobs to be
During the Reporting   Jobs at Time of   Jobs at Reporting      Created at Businesses Projected Jobs to be     Created at Tenant      Square Feet of Real   Square Feet of Real
Period                 Loan/Investment   Period End             Financed               Created - Construction Businesses              Estate - Total        Estate - Manufacturing
                       Not Applicable                        70                      5                       6 Don't Know                              5000                  2,000
                       Don't Know        Don't Know             Not Applicable
                 38450                                                                 Don't Know                                                      6000                 4,500
                                                                                                             4                        Not Applicable                        3,254
                                                                                       Not Applicable          Not Applicable         Don't Know              Don't Know
Square Feet of Real    Square Feet of Real       Asking Rent per                                                      Affordable Housing        Affordable Housing
Estate - Office        Estate - Retail           Square Foot          Housing Units - Sale     Housing Units - Rental Units - Sale              Units - Rental         Community Facility
                 3,000                       0                     75 Don't Know               Don't Know             Don't Know                Don't Know             YES

                 1,000                    500                                              5                       3                        1                         2
                 4,000                  8,500                                            100                     130                       45                        60 YES
Don't Know               Don't Know              Don't Know                               20                      40                       10                        20 NO
                                                                                                                    DS/FCOS Hours of
                                                                                                                    Assistance Provided
Capacity of Educational Capacity of Childcare   Capacity of Healthcare Capacity of Arts Center Capacity of Other    During Reporting           Other Impact (1) -    Other Impact (1) -
Community Facility      Community Facility      Community Facility      Community Facility     Community Facility   Period                     Explain               Number of Units
Don't Know              Not Applicable                                0 Not Applicable         Not Applicable                                  Housing for seniors                        12
                                                                                                                                          80

                   425 Don't Know               Not Applicable                              0 Don't Know
                                                                                                                                                        Below Market Interest
                                                                                                                                                        Rate Required under
Other Impact (2) -   Other Impact (2) -                                                                                                                 Allocation Agreement
Explain              Number of Units           Investor TIN             QALICB Type   NMTC Eligibility Criteria 1990 FIPS Code         Related Entity   (Project)
Childcare Slots                           66                  100036587               CENSUS1990                         12345678965   NO               YES
                                                              630056877               TARGETPOP                                        NO               NA
                                                              852206544 RE            TRACTS                                           YES              NA
                                                              364874525               HIGHMIGRATION                                    NO               NO
                                                              448778231 NRE           CENSUS2000                                       YES              YES
                                                                      What is Blended                           Lower than Standard                          What is Standard
Below Market Interest                           Comparable Blended    Interest Rate     Blended Interest Rate   Origination Fees      Standard Origination   Origination Fees
Rate                    Blended Interest Rate Interest Rate           Comparable?       Comparable Other        (Project)             Fees (Project)         (Project) Comparable?
YES                                       5.245                 5.500                                           NO
YES                                        3.25                  4.25 PARENT                                    NO
NO                                                                                                              NO
YES                                      6.75                    2.5 NONNMTC                                    YES                                      500 OTHER
NO                                                                                                              NO
Standard Origination                                                 What is Standard Loan- Standard Loan-to-Value                          Lower than Standard
Fees (Project)         Higher than Standard   Standard Loan-to-Value to-Value Ratio         Ratio Comparable       More Flexible Borrower   Debt Service Coverage Standard Debt Service
Comparable Other       Loan to Value Ratio    Ratio                  Comparable?            Other                  Credit Standards         Ratio                 Coverage Ratio
                       YES                                  125.123                                                NO                       YES                                  100.125
                       NO                                                                                          NO                       NO
                       NO                                                                                          NO                       NO
CDEF                   YES                                        85 BANKS                                         NO                       NO
                       NO                                                                                          YES                      YES                                       80
                                                                                         What is Standard Loan
What is Standard Debt Standard Debt Service Lower than Standard                          Loss Reserve          Standard Loan Loss
Service Coverage Ratio Coverage Ratio       Loan Loss Reserve     Standard Loan Loss     Requirement           Reserve Requirement   Poverty Rates Greater   Poverty Rates Greater
Comparable?            Comparable Other     Requirement           Reserve Requirement    Comparable?           Comparable Other      than 25%                than 30%
                                            NO                                                                                       YES                     NO
                                            NO                                                                                       NO                      NO
                                            NO                                                                                       NO                      NO
                                            NO                                                                                       YES                     NO
OTHER                  XYZ                  YES                                         8 PARENT                                     YES                     YES
                                                                                                                                                           Designated Native
                                                                                                                                                           American or Alaska
                                                                                                                                                           Native Area, Hawaiian
                                                                                                                                                           Homeland, or
Median Income Less   Median Income Less   Unemployment at Least     Unemployment at Least                                                                  Redevelopment Area
than 60% of Area     than 70% of Area     1.25 Times the National   1.5 Times the National   Designated for   Designated EZ, EC, or   SBA Designated HUB   by Tribe or Other
Median Income        Median Income        Average                   Average                  Redevelopment    RC                      Zone                 Authority
YES                  YES                  YES                       YES                      YES              NO                      NO                   NO
YES                  YES                  YES                       NO                       YES              NO                      NO                   YES
NO                   NO                   YES                       YES                      NO               YES                     YES                  NO
NO                   NO                   NO                        NO                       NO               NO                      NO                   YES
NO                   YES                  YES                       NO                       NO               NO                      NO                   NO
                     Encompassed by                               Appalachian Regional                                      TIF District or
Brownfield           HOPE VI                                      Commission or Delta               Medically Underserved   Enterprise Zone   High Migration Rural
Redevelopment Area   Redevelopment Plan   Located in a Hot Zone   Regional Authority     Colonias   Area                    Program           County
YES                  NO                   NO                      NO                     YES        NO                      NO                YES
YES                  NO                   NO                      YES                    YES        NO                      NO                NA
NO                   YES                  YES                     NO                     NO         YES                     YES               NA
NO                   NO                   NO                      YES                    NO         NO                      NO                YES
NO                   NO                   NO                      NO                     NO         NO                      NO                NO
Non-Metropolitan   Other Areas of Higher
Census Tract       Distress
YES                NO
NA                 NO
NA                 NO
YES                NO
NO                 NO
                  Investee Street    Investee Street
Project Number    Address Line 1     Address Line 2    Investee City
              1   4501 Ford Avenue   Suite A           Alexandria
              1
              1
              2   4501 Ford Avenue   Suite B           Alexandria
              3   601 13th St., NW   Suite C           Washington
              3
              4   4501 Ford Avenue   Suite C           Alexandria
              5   601 13th St., NW   Suite D           Washington
                                                              Project Street Address
Investee State   Investee Zip Code 5   Investee Zip Code +4 Line 1
VA                               22302                   1435 4501 Ford Avenue
                                                              601 13th St., NW
                                                              4501 Ford Avenue
VA                               22302                   1435 4501 Ford Avenue
DC                               20005                   3807 601 13th St., NW
                                                              4501 Ford Avenue
VA                               22302                        601 13th St., NW
DC                               20005                   3807 4501 Ford Avenue
Project Street Address
Line 2                   Project City   Project State   Project Zip Code 5
Suite A                  Alexandria     VA                               22302
Suite A                  Washington     DC                               20005
Suite D                  Alexandria     VA                               22302
Suite E                  Alexandria     VA                               22302
Suite E                  Washington     DC                               20005
Suite F                  Alexandria     VA                               22302
Suite F                  Washington     DC                               20005
Suite G                  Alexandria     VA                               22302
Project Zip Code +4

                 3807

                  1435
                 3807

                 3807
                  1435

				
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Description: Personal Loan Agreement Sample document sample