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F. Facilities plan, planned capital improvements and scheduling <br />G. Operating plan, schedule of upcoming work (one or two years) including <br />projected research and development efforts <br />VIL FINANCIAL DATA <br />A. Financial history (three years to present) <br />B. Two years financial projections (first year by month or quarter if business is a <br />start-up) <br />I . Profit and loss statements <br />2. Balance sheets <br />3. Statements of cash flow <br />4. Capital expenditure estimates <br />C. Explanation of projections <br />D. Sources and uses of funds; summary of attempts to finance outside of IRF; <br />effect of IRF in leveraging other lending sources <br />E. An interim financial statement that is not older than ninety (90) days <br />Vill. ADDITIONAL REQUIRE, Q INFORMATION <br />A. Describe net direct impact upon St. Joseph County employment <br />B. Describe net direct impact on area business and the local economy <br />C. Nature and extent of available securities/guarantees (collateral) <br />D. Proposed repayment schedule <br />E. Net impact upon tax base and any proposed tax abatement action <br />F. Nature and extent of equity participation <br />G. Personal financial statements of all principals owning 20% or more of the <br />business (personal financial statements may be requested for other principals) <br />H. Bank commitment letter, including a statement the bank will not finance more <br />than they have committed to <br />1. Bank "turndown letter" indicating the need for IRF financing or any evidence <br />showing that credit not otherwise available <br />42 <br />