Northfield Capital, LLC - Product Matrix

Loan Type	Use of Funds	LTV/DSC*	Rate Range*	Term*	Lender Types
Stated Income Low Doc	Fixed/Adj/Balloon	80%/1.2X	Index + 200-400 bps Sample rate: 6.491% – 8.491%	Up to 30 yrs	Commercial Banks and Commercial Finance Companies
Low Credit Score FICO <620, as low as 500	Fixed/Adj/Balloon	75%/1.3X	Index + 400-600 bps Sample rate: 8.491% – 10.491%	Up to 25 yrs	Commercial Finance Companies Opportunity Funds
Small Balance ($100K - $500K)	Fixed/Adj/Balloon/IO	80%/1.2X	Index + 250-450 bps Sample rate: 6.991 – 8.991%	Up to 25 yrs	Commercial Banks that specialize in small balance loans, Commercial Finance Companies
High LTV	Fixed/Adj/Balloon	90%/1.2X CLTV: 95%/1.2x	Index + 400-600 bps Sample rate: 8.491% – 10.491%	Up to 25 yrs	Commercial Finance Companies
Mid-Size ($500K - $1.5MM)	Fixed/Adj/Balloon/IO	80%/1.2X	Index + 125-190 bps Sample rate: 5.741 – 6.391%	Up to 30 yrs	Commercial Banks, Conduit Lenders FNMA DUS Lenders
Investment Quality ($500K - $50MM)	Fixed/Adj/Balloon/IO	80%/1.2X	Index + 80-150 bps Sample rate: 5.291 – 5.991%	Up to 30 yrs	Insurance Companies Conduit Lenders Pension Funds Securitization

*Rate range reflects index plus standard margin spread and sample rate based on index of 10 year T-Bill (4.491%) as of 3/7/07

Loan Type	Use of Funds	LTV/DSC*	Rate Range*	Term*	Lender Types
Retail (Non-credit Tenant)	Permanent Loan	80%/1.2X	Index + 80 - 250 bps Sample rate5.291% – 6.991%	Up to 30 yrs	Insurance Companies Commercial Banks Commercial Finance Companies
Retail (Credit Tenant)	Credit Tenancy Permanent Loan	100%/N/A	Corporate Bond + 75 bps	Up to 30 yrs	Insurance Companies Private Placement
Office (Stabilized Property)	Long Term Permanent Loan	80%/1.2X	Index + 80 - 130 bps Sample rate: 5.291% – 5.791%	Up to 30 yrs	Insurance Companies Commercial Banks Commercial Finance Companies Conduit Lenders
Hotel/Motel/ Hospitality	Permanent Loan	75%/1.25X	Index + 80 - 160 bps Sample rate: 5.291% – 6.091%	Up to 30 yrs	Insurance Companies Commercial Banks Commercial Finance Companies
Restaurant	Construction Loan Permanent Loan	90%/1.2X	LIBOR/Prime/Treasury Index + 200 – 600 bps Sample rate: 6.491 – 10.491%	Up to 30 yrs	SBA, CDC Commercial Banks Commercial Finance Companies
Strip Malls	Construction Loan Permanent Loan	80%/1.2X	LIBOR/Prime Treasury Index + 110 – 300 bps Sample rate: 5.591 – 7.491%	Up to 30 yrs	Insurance Companies Commercial Banks Commercial Finance Companies
Loan Type	Use of Funds	LTV/DSC*	Rate Range*	Term*	Lender Types
Warehouse	Permanent Loan	80%/1.2X	Index + 100 – 350 bps Sample rate: 5.491 – 7.991%	Up to 30 yrs	Insurance Companies Commercial Banks Commercial Finance Companies
Gas Stations	Permanent Loan	70%/1.25%X	Index + 200 – 600 bps Sample rate: 6.491 – 10.491%	20 – 25 yrs	Commercial Finance Companies Private Debt
Land (Permitted)	Acquisition Development	75%	Varies Widely	1 – 5 yrs	Banks Finance Companies Opportunity Lenders
Land (Non-permitted)	Acquisition	60%	Varies Widely	1 – 3 yrs	Private Placement Banks Opportunity Lenders
Subdivisions	Construction Loans Interest Only	80% of ‘as-completed’ Value	Varies Widely	1 – 3 yrs	Private Placement Banks Opportunity Lenders

*Please call for more information on documentation required for preliminary review 978-824-3334.

Loan Type	Use of Funds	LTV/DSC*	Rate Range*	Term*	Lender Types
SBA 7A/504	Adj/Balloon	90%/1.25X	Index + 200 - 400 bps Sample rate 6.691% – 8.691%	Up to 25 yrs	Commercial Banks Commercial Finance Companies
Credit Lines	Adjustable	N/A	Varies	N/A	Commercial Banks

Loan Type	Use of Funds	LTV/DSC*	Rate Range*	Term*	Lender Types
Development Loans	Acquisition Infrastructure	70%	12% - 15%	1 – 2 yrs	Private Lenders Opportunity Lenders
Construction Loans	Residential Properties Commercial Properties	70%	12% - 15%	1 – 2 yrs	Private Lenders Opportunity Lenders
Mezzanine	Financing secured by real estate or pledge and ownership	Up to 100% Secured by property or interest in entity	12% up to participation in project profits	1 – 3 yrs	Opportunity Lenders Private Lenders REITs

Please call for additional information 978-824-3334.

For more information or to get started on the most efficient funding for your unique deal, please contact us