ECICOG RLF LOAN-RISK RATING MATRIX (New Business)

RLF Applicant: ______Reviewer: ______Review Date: ______

Rating / Potential
Impact on Society? / Unique Business Proposition? / Potential for Commercialization/
Scalability?
(Next 5 Years) / Stability of Industry? / Size of Loan Requested? / Collateral Position or
Loan Guarantees
Available? / Projected Debt Coverage?
(3 Years Min) / Potential FTE Jobs Created or Retained?
(3 Years Min) / Loan Guarantors’ Average FICO Credit Score? / Total Rating
Very
Strong
5 / Life-Changing Impact on Millions / Existing Patents on Products or IP / Able to Grow to National/International organization / Very Stable Future / > $300,000 / Pledgeable
Assets 3X Loan Balance / Net Cash Flow 3X RLF Loan Payments / >30 / > 750
Strong
4 / Life-Changing Impact on Thousands / Patents Pending on Products or IP / Able to Grow Regionally / Stable Future / $100,000 to
$299,999 / Pledgeable
Assets 2X Loan Balance / Net Cash Flow 2X RLF Loan Payments / 10 to 29.9 / 690 to 749
Fair
3 / Life-Changing Impact on Hundreds / Proprietary Product or IP without Patent Protection / Able to Grow to New Sites in Local Area / Modest
Future Stability / $50,000 to $99,999 / Pledgeable Assets 1X Loan Balance + Strong Investor Guarantees / Net Cash flow 1X RLF Loan Payments / 5 to 9 / 630 to 689
Somewhat
Weak
2 / Minimal Life-Changing Impact Anticipated / First to Local Market with an Existing Product or IP / Possibility of Growth But On-Site Only / Unlikely Future
Stability / $25,000 to
$49,999 / Limited to Second UCC Position + Fair to Strong
Investor Guarantees / Net Cash Flow Will Cover RLF Loan Payments in Most Years / 2.5 to 4.9 / 600 to 629
Very Weak
1 / No Life-Changing Impact Anticipated / Existing Competitive Marketplace for Proposed Product or IP / Possibility of No Launch or No Impactful Growth Anticipated / Current Instability / < $25,000 / No Assets Available to Pledge + Weak
Investor Guarantees / Net Cash Flow Will Not Cover RLF Loan Payments in Any Year / < 2.5 / 600
GRAND TOTAL

INTEREST-RATE THRESHOLDS
36.0 TO 45.0 POINTS = LEVEL 1 ELIGIBILITY
22.5 TO 35.9 POINTS = LEVEL 2 ELIGIBILITY
13.5 TO 21.9 POINTS = LEVEL 3 ELIGIBILITY
00.0 TO 12.9 POINTS = INELIGIBLE