CBFSI provides alternative financing solutions for healthcare companies and commercial real estate, offering loans for areas such as working capital, acquisitions, and real estate projects. They have over 13 years of experience in non-traditional lending and serve organizations across various healthcare sectors including hospitals, medical practices, and senior housing. CBFSI works to understand each client's unique needs and objectives to help them access capital and grow their business.

1. Business Overview
HealthCare Finance:
At CBFSI our 13 years of financial and lending expertise to help unlock alternative lending
solutions for small and mid-cap healthcare and commercial property companies. As entrepreneurs
ourselves, we at CBFSI excel at unconventional transactions because, like you, our vision is
unhindered by myopic corporate lenses. We come to work every day and think for ourselves. With
all of the focus on the difficulties of obtaining traditional small business financing, we at CBFSI
believe our first responsibility is to provide our clients with access to the alternative lending
solutions that are available, in addition to traditional financing options.
Company Description:
CBFSI is a Commercial broker, business consultant and Financial Arranger. We specialize in non-
traditional lending products to meet the unique needs of small to middle market companies.
CBFSI has been providing prompt, innovative, and reliable financing solutions across the United
States and abroad for more than a decade.
Companies prefer CBFSI because we take an innovative approach to funding. Our relationships
and access too many different forms of capital enable us to secure the best financing available for
our clients. Unlike traditional lenders, we are not restricted to a specific set of products and
guidelines. With our simplified approval process we are able to respond swiftly, enabling our
clients to seize new commercial opportunities or add value to their existing projects.
Since 1998, CBFSI has provided lending services and participated in funding:
 Commercial Real Estate loans from $2,000,000 to $50,000,000
 Asset-backed loans of $500,000 to $30,000,000 for growth capital, working capital, assets,
acquisitions, and liquidity events
CBFSI, Inc. Confidential 1|Page May, 2010

2. The Right Partner for Your Healthcare Finance Needs:
At CBFSI, we understand the challenges small and mid-sized healthcare businesses are facing due
to the current restrictive lending/financial environment.
With the dramatic increase in life expectancy and improvements in the delivery of healthcare
services, healthcare professionals anticipate related increases in the number of patients accessing
healthcare services. Today’s healthcare companies require a partner who understands the
healthcare market and can help them capitalize on opportunities for diversification and growth as
well as weather reimbursement and regulatory storms.
CBFSI is prepared to respond to this growing market by providing financial solutions to:
 All types of healthcare service providers
 Ancillary service organizations
 Manufacturers and distributors of medical supplies and equipment
 Real estate development and management companies
Focus Sectors:
Hospitals, Health Systems and Service Providers
 Behavioural Health
 Home Health & Hospice
 Rehabilitation
 Hospitals
 Proprietary Hospitals
 Investor Owned Hospitals
 Home Medical Equipment
 Imaging
 Institutional Pharmacy
 Surgery/Outpatient Care
 Medical Staffing Providers
 Medical Laboratories
 Physician Practices
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3.  Dental Practices
 Chiropractic Clinics
 EMS/Ambulance
 Wound Care Services
Senior Housing Finance and Care Providers
(Single Site & Multi Site)
 Skilled Nursing Facilities (SNF)
 Independent Living (Care) Facilities (IL)
 Assisted Living (AL)
 Continuing Care Retirement Communities (CCRC)
 Dementia Care
Commercial Real Estate Lending
Conventional financing is available for existing multi-family projects including apartments, elderly
apartments, assisted living facilities, small properties and large portfolios.
 Healthcare Real Estate
1. Healthcare Purchasing
2. Healthcare Refinance
3. Healthcare Leasing
4. Healthcare Construction
Products & Services:
CBFSI offers financing solutions that allow you to grow your Healthcare business and capitalize on
your vision.
We understand that in order for your Healthcare business to grow successfully–especially during
uncertain economic times–you need a financial partner that understands your objectives and has
the solutions to help you achieve them.
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4. Traditional Financing Solutions
We have significant expertise and capital resources needed to respond to diverse financing
situations. We serve as a one-stop resource for healthcare and specialty finance debt capital with
an unmatched product array, including:
Receivables and inventory financing
 Equipment financing
 Accounts Receivables: In the healthcare sector we are able to provide up to an 85%
advance rate of government and non-government receivables
 Asset-based loans
 We offer floating rate asset-based and senior stretch credit facilities to middle-
market companies with annual revenues between $10 and $300 million. Our typical
asset-based loan is between $500,000 and $30,000,000
 First mortgage real estate loans
 Stretch senior loans
 Healthcare asset-based loans
 Whether your healthcare company needs capital for refinancing, restructuring, or a
major acquisition, our asset-based lending platform provides you with customized
and flexible financing
Customized Solutions
With a focus on senior secured through mezzanine financing, we are able to support a broad range
of transactions, including:
 Refinance of existing indebtedness
 Recapitalizations
 Leveraged buyouts
Finance & Loan Term Definitions:
 Senior Stretch Finance
Senior Stretch is a hybrid financing solution that falls between an asset-based loan and a
cash flow loan. Also known as an "over-advance loan", it is structured with both asset-based
and cash flow components, providing a higher level of leverage and delivering more capital
up front than cash flow only loans
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5.  Mezzanine Finance
Mezzanine financing falls between senior debt and equity on a company's balance sheet and
is typically used to fund a growth opportunity such as an acquisition, new product line, new
distribution channel, or a plant expansion.
 Asset Based Finance
An asset-based loan is secured by a company's accounts receivable, inventory, equipment,
and/or real estate, whereby the lender takes a first priority security interest in those assets
financed. Asset-based loans are an alternative to traditional bank lending because they serve
borrowers with risk characteristics typically outside a bank's comfort level.
 Tax Increment Finance
The tax increment finance ("TIF") mechanism permits a town, city or county, through a local
redevelopment commission, to designate targeted areas for redevelopment or economic
development. Those areas can then be designated as "allocation areas" which triggers the
TIF process. After such a designation is made, property taxes generated from new
construction in the area, rather than going to the normal taxing units (e.g., schools, cities,
counties), can be set aside and invested back in the area to promote development. These
property tax revenues can be leveraged by the issuance of TIF bonds, the proceeds of which
also can be used to promote development in the area. TIF revenues may be used directly to
finance public infrastructure, land acquisition, site improvements, and other public
improvements. Alternatively, TIF revenues may be pledged to the payment of bonds or lease
rental obligations issued or incurred to finance such projects. Only taxes on real property,
and taxes on depreciable personal property used in industrial, manufacturing, warehousing,
research and development, processing, distribution, or transportation related projects,
qualify for the use of the TIF mechanism.
 SMALL BUSINESS IMPROVEMENT FUND (SBIF)
The SBIF program is alive and well in the City of Chicago. This program is helping small business to remain viable
in the City of Chicago by helping them with their building renovation and infrastructure costs. Grants are given
in a rebate fashion after work is completed by the applicant, and proof of payment to their City Licensed
Contractors is received by the City. This program has kept businesses in Chicago, helped make them stronger,
and kept and created new jobs. Eligible businesses can receive up to $150,000 in funding during the grant
process, and are eligible to reapply one year after receiving their grant check. The average grant size
is approximately $35,000. Eligible costs include permanent renovations to existing buildings.
CBFSI, Inc. Confidential 5|Page May, 2010

6. Yvonne Spear,
COO Chicago’s Best Financial Services & Investments
Yvonne has over 13-years of experience as a broker having successfully negotiated deals in domestic and
international markets in areas such as commercial real estate, land development, and business mergers and
acquisitions.
In 1998 Yvonne founded Chicago’s Best Financial Services & Investments a Commercial Business Capital and Real
estate Mortgage Acquisitions Group. Ms. Spear brings a wealth of experience and knowledge of the brokerage
industry. We are committed to team work. We provide first quality customer service and lend expertise to achieve
excellence. Including innovative marketing strategies and deal structures to help clients achieve their goals.
Chicago’s Best Financial Services & Investments has evolved from Chicago based a commercial and residential real
estate brokerage firm that specialized in large-scale residential development projects, and commercial real estate
projects to an International Commercial Business Capital Company.
Yvonne Spear went to The International Academy of Merchandise and Design in Chicago. After 14 years as a retail
manager. She changed careers in 1996 after purchasing her first home. Combining her knowledge of customer
service and real-estate has given her common sense approach to financing and business. Ms. Spear is also a
business consultant, author, and mentor. She is a skilled negotiator with a win-win approach, strong people skills,
and with a diverse cultural background.
Chicago's Best Financial's COO Yvonne Spear is a published author and has gone social. Follow us on Face book,
Tweet us, or join us on LinkedIn, cbfsi.biz/blog and now as a Yahoo associated content contributor.
Read our latest article on Yahoo!!
http://www.associatedcontent.com/article/7872162/help_my_business_is_dying_how_do_i.html Or Google Yvonne
Spear Articles
Join our Face book Page and join in the conversation with other customers just like you," "Follow us on our
blog for business and financial advice" or "We'd like to connect with you on LinkedIn." You could find creative ways to
raise capital, be an innovator in your business field and become financially sound. "Write on our wall and tell us how
you have used our tips and articles."
"Like" this email to share it with your Face book friends, tweet us or join us on LinkedIn.
CBFSI, Inc. Confidential 6|Page May, 2010

7. Michael Lott
Senior Account Manager
Michael has over 15-years of experience as a Banker and a Broker having successfully negotiated deals in domestic and
international markets in areas such as commercial real estate, land development, and business mergers and acquisitions.
Combining his knowledge of customer service and real-estate has given him a common sense approach to financing and
business. He is a highly talented and accomplished Finance and Business executive, as well as a background in financial analysis,
business management, and accounting, Expertise in the area of loan analysis, procedures and approval. He is highly
knowledgeable in lending laws, banking regulations and underwriting techniques. Able to design loan structures, monitor
portfolios and analyze complex financial data. Demonstrated ability to developed and maintain productive business
relationships, motivate teams and foster interdepartmental cooperation. Michael has comprehensive knowledge of accounting
principles and processes, as well as tax preparation and law. He is a proactive, result oriented problem solver.
PROFESSIONAL EXPERIENCE
CHICAGO BEST FINANCIAL SERVICES / Chicago, Illinois
Senior Commercial Account Manager
• Specialized expertise with Commercial lending, Business Capital, SBA and Hard Money Mortgage programs.
• Consult with clients seeking Heath Care Commercial Mortgages Medical Practice Programs including: Medical Practice,
Hospital acquisitions, Physical Rehabilitation Centers, Medical Office Buildings and Developments, Assisted Living and
senior housing
• Green and Sustainable Energy construction and development
TCF NATIONAL BANK / Oak Lawn, Illinois
Branch Lending Manager
• Trained real estate agents on mortgage programs, the lending process, and pre-qualification of buyers.
• Review credit reports with buyers to and put them in best programs for them based off credit.
• Originate and underwrite residential loan files for real estate purchase and refinance transactions; oversee entire loan
process.
Branch Lending Officer
• Originated, processed, and coordinated all closing activities related to residential mortgage/home equity loans.
Established working relationships with attorneys, appraisers, borrowers, and title companies
• Meet with the prospective clients to provide a short presentation of the mortgage loan products that we offer.
• Maintain responsibility for processing mortgage loans including reviewing application documents for completion and
accuracy; verifying income, employment history and closing funds; and coordinating/securing property appraisals and
flood risk analyses.
• Ensure all required documents are included in application package and enter detailed information into automated
processing application database.
CBFSI, Inc. Confidential 7|Page May, 2010

8. Residential Loan Officer
• Consulted with clients seeking to refinance or purchase property, vehicle, or establish a line of credit and help
customers determine the best loan product for their budget.
• Managed entire loan process from application to closing including resolving credit, title, appraisal, documentation and
underwriting issues.
• Pre-qualify/pre-approve loans, evaluate applications, and review credit history to determine loan risk.
• Trained and mentored new loan officers on company policy and loan origination.
EDUCATION
Jackson State University / Jackson, MS
B.S., Finance/ Minor in Business Administration, 1993
CBFSI, Inc. Confidential 8|Page May, 2010

9. Medical Liaison
PHILIP R.DAVIS, MA, Ph.D.
Dr. Davis is President and Chief Executive Officer of Strategic Planning Analysts Inc., a minority – owned firm specializing in
health care consulting and management, population forecasting and financial analysis of health care institutions which he
established in 1985. He has been involved in the health care field care field professionally since 1973. In that year, then-
United States Senator Adlai Stevenson selected him to be his Legislative Assistant for Health and Human Services, where he
served until 1978. At that time, he became Staff Director for Economic Development with the National Governors’
Association.
Strategic Planning Analysts, Inc. offers assistance to Public and Private Sector Health Care Organizations in solving problems
related to decision-making and long range planning for Hospitals, Managed Health Care Plans, and Public Sector Health Care
Agencies. Consulting Services offered include Market Analysis, Strategic Planning Support, Financial Economic Analysis and
Public Policy Studies. Past and present Clients of this Consulting Firm include Advocate Bethany Hospital, Advocate Trinity
Hospital, the Chicago Department of Public Health, the Cook County Health and Hospitals System, the Greater Chicago
Medical Association, Rush University Medical Center, the University of Chicago Hospitals, the University of Illinois at Chicago
Medical Center, and such Community Health Centers in Metropolitan Chicago, as Circle Family Health Care Network and the
Friend Family Health Center.
In 1979, Dr. Davis was appointed by then-Mayor Jane Byrne as the Director of the Chicago Health Systems Agency, the
federally- designated Local Health Planning Organization of the City of Chicago. The late Mayor Harold Washington selected
him in 1983 to be the First Deputy Commissioner of the Chicago Department of Public Health, the Chief Operating Officer of
what was then the sixth largest Agency within Municipal Government with a $175.0 million annual budget.
Dr. Davis has served as a Member of the Board of Trustees of Reed College, Portland, Oregon, his alma mater, and on the
Cost Containment Committee of Blue Cross/Blue Shield of Illinois. He has also received appointments to the Board of
Directors of The Chicago Urban Affairs Council and the Board of Directors of Northwestern University’s Kellogg School of
Management. He currently serves as an Adjunct Clinical Professor of Health Policy and Management at the Loyola University
Chicago Graduate School of Business Administration Water Tower Place Campus.
A graduate of Reed College, Portland, Oregon, Dr. Davis received his Bachelor of Arts Degree, with Honors, in Political Science
and Economics. He was a Rhodes Scholarship Finalist for the State of Oregon and was elected to Phi Beta Kappa. He
obtained a Master of Arts Degree, with distinction, in Politics from Brandeis University, Waltham, Massachusetts. Dr. Davis
secured his Doctor of Philosophy Degree in Political Analysis from the University of Chicago. His other academic honors
include an American Political Science Association Fellowship, a Danforth Foundation Scholarship, a Ford Foundation Doctoral
Fellowship, a Henry R. Luce Scholarship, and a Woodrow Wilson Fellowship. These academic awards permitted Dr. Davis to
obtain Certificates in International Economic Affairs from the Ecole Nationale Superieure in Paris, the University of Oxford in
Oxford, and Sophia University in Tokyo.
CBFSI, Inc. Confidential 9|Page May, 2010

10. Yvonne Spear
COO
Chicago’s Best Financial Services & Investments
Email yspear@cbfsi.biz
Office 866-572-9952 ext. 1
Fax 866-572-6616
CBFSI, Inc. Confidential 10 | P a g e May, 2010