Our commercial real estate loan programs will allow for the acquisitions, refinancing, construction, and developments of both income producing and transitional properties. Our core-lending objective is to achieve advantageous and consistent yields by providing short and medium term loans to borrowers primarily consisting of commercial real estate developers, business owners, and landlord. In the case for small business owners we can offer accounts receivable financing better known as factoring when traditional financing is unavailable. $OCFN