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Business Loan Center, one of the member companies of Business Loan Express, is a national SBA Preferred non-bank lender providing SBA-guaranteed and conventional mortgage financing for owner-occupied commercial real estate. We are currently the country's second largest lender specializing in loans under the SBA 7(a) Guaranteed Loan Program and make loans in all 50 states. Doug Carleton is a nationally published expert in financing for the bed and breakfast industry and has been quoted in The Wall Street Journal. He is an Associate Member of the Professional Association of Innkeepers International (PAII) and presented programs at the association's biennial conference in Chicago in 2002. A B&B often does not fit neatly into conventional lending guidelines. It is not an investment property because there are no leases to provide income. But it doesn't look exactly like a business to a lender either because it operates within a residential property where the owner usually lives on the premises. Consequently, it is sometimes difficult to find conventional financing for a B&B. An SBA-guaranteed loan can often be the solution to that problem. He has over 30 years experience in the fields of small business finance, real estate development and construction. Since 1994 he has been an SBA lender specializing in helping small business owners grow their companies using the SBA loan guarantee program. He has been a frequent speaker on SBA and small business finance, and has appeared on a nationally televised public television program, Small Business Today. For additional information on our B&B loans, plus articles on B&B financing that have been published in Arrington's Bed & Breakfast Journal, please visit www.sbaloanspecialist.com.

DOUG CARLETON Business Loan Center (804) 344-8160, ext. 136 Toll Free: (888) 333-6441 email: dcarleton@sbaloanspecialist.com	For additional information please see www.sbaloanspecialist.com
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