6.1 EDSR 05-18-2015Elk
River
Request for Action
To
Item Number
Economic Development Authori
6.1
Agenda Section
Meeting Date
Prepared by
General Business
Aril 28, 2015
Amanda Othoudt, EDD
Item Description
Reviewed by
GATR of Sauk Rapids, Inc. Property Tax
Cal Portner, City Administrator
Reviewed by
Abatement Financing
Action Requested
Approve, by motion, and provide a recommendation to City Council for Tax Abatement Assistance for
GATR of Sauk Rapids, Inc.
Background /Discussion
The Finance Committee reviewed and recommended the EDA approve GATR's application for Property
Tax Abatement financing.
GATR is requesting a 15 year pay -as- you -go Tax Abatement from the City of Elk River for up to
$546,814. The tax abatement will allow GATR to purchase the property and provide operating flexibility.
The county also received a tax abatement application that they considered at their April 21" County
Board meeting with formal review and a public hearing anticipated for May 19. The EDA and City
Council recently approved an amendment to the Business Subsidy Policy, allowing business subsidies for
service and retail commercial businesses.
The proposed project would consist of a 42,912 square foot facility with an estimated taxable value of
approximately $3.9 million. The project is estimated to generate $160,500 in total property taxes per year
upon completion. The city share of the property taxes abated per year equal approximately $36,454.
The project scored 43, at the higher end of the desirability range. Based on the analysis provided by
Springsted, it appears that GATR would not proceed with the project without assistance.
A public hearing has been scheduled for the May 18 City Council meeting to invite comments from the
public. A public hearing must be held for any business subsidy in the amount greater than $150,000.
Financial Impact
Up to $546,814 in city tax abatement assistance, to be distributed "pay as you go" for 15 years. This
abates the entire city share of taxes on the property.
Attachments
Tax Abatement Application
• EDA Finance Committee Staff Memo
• Springsted Analysis (April 23, 2015)
P O w E 8 E U A Y
1 CIA R
Elk 2015 Financial Incentive Application
River Tax Abatement
I. PROjeCT INFORMATION
Property In ormation Oleuse print)
Address: L a S 1 4 2 B 1 G G K 1 Parcel Number: 75-
v p
Vlc;t P p P, Ni► +tn� -cs "s �'!C B��a�ntSS L`�h�tlt `r � . �iz,C�7 ' OI I C3
The project e:
H be: J
Industr al: 1� New Construction F?spsnsion — Redevelopment % Rehab.
Dffice/ research facility tint coutorin !o BU -incs, Park zowng standards
Commc rcial Redevelopment or Rehabilitation L Yle'W C 0 MS INVi Gi-i on T tug c k So► j�5 W�r-c irGi+io+1 1Y
—other- VVIIY e-ILmIticd in inclWS44011 UnCS
In addition to the City of Elk River, applicant is requestitag Tax Abatement from:
Sherburne County School District 728
The project xv ll be: ' ` Owner Occupied — Leased Snace � I F► 4' t
Total Atnoun of Tax Abatement Requested: S� ► p d -over-li, dears.
G", Portion: Annual S_ 454_Total $ '610
County Portion: Annual _ 4 0, 154 Total $ j 0
ISD 728 Portion: Annual 5 --- "Total S
Current Real .state Taxes on Project Site:
Estimated Re 1 Estate "faxes upon Completion: Phase I S + 1) 6Phase II
Construction 'tart bate M°► 15 Construction Completion Date N 0 V 2-0 1 5
Percent of pr ject complete,on December 31, current year. 10 D-/°
II. CONTACT INFORMATION
Name:
Address:
(please pfiw)
f 0 1 = I K KI Vt F -mail address: �) ,e i Kr' V+F -nnyl. �ov
Bobs oKoho FmF-Kv Ay MN G53SD
( :in- State Zip (:ctdc
Phone: 14 3. b35. 1034
Legal Name c�f Business:.
Check One: Pro )rictor ^ Corporation Partnership
Federal ID State ID #
Oar \lk.AlnII \DLcklan ( roup\( 'hcnt;lli(:() \I)!( \' \Shurtsrh, Inc11:zP:uuinn\l ?nn. From (;isr \I?t) 1 rn al).iEcmam
apphcatii>mdocx 2/3/3115 Last \lodifickl
Agent Infor ation (ptig) Same as Propertt• Owner ❑ Different, as below- & (Check ow)
Name: 0101C Dt C kC F-1 is -mail address: 11 -tC.k- v► Gel iLA_f1
Address: 12 Moir GJt Nw V1 4V 7-50 c1 V, hVc'F- MT11 5 5330
5tre163-5b13-9+<90b trite Mate Zip Code
Phone (w):
III, SIG ATURE
I certify that & A T t is deftned as a small business, For - Profit and is not a religious,
(liusin�.a aiaenr)
political, casin , sports facility, or pornographic enterprise. I further certify that all information provided in
this applicatiot is true and correct to the best of my knowledge. I authorize the city of Elk River and the.
1'tllallce Ot71 1ttCt t0 Clli`Cli credit rC1('i't 5,4 i dat, 'r Lll� .. :.�jC :4i ilt_ i other it]fG1Yliiltlf)il. I further agree, if
approved, to t e loan security and guarantees required by the Subsidy policy. I agree to provide any
additional info ation as may be requested by the city and the Finance Committee.
It is the policy of the City of Flk River to rcquire applicants to pay- costs incurred by the City in reviewing and
acting upon a plications, so that these costs are not borne by the taxpayers of the Cir(-. These costs include
all of the City out -of- pocket costs for expenses, including the Citt•'s costs for review of the application by
the City's Financial Consultant and Cite Attorney, or other consultants, recording fees, and necessary
publication colts.
"I'lle application processing fees cover anticipated costs; costs incurred above the application fee will be
invoiced as th y are incurred, and payment will be due within thirty (30) days. Application fees are not
refundable, though any unused portion is returned at the request of the applicant. If payment is not received
as required by his agreement, the City may suspend the application review process and may deny the
application f6t failure to comply with the requirements for processing the application. Payment for costs will
be required NVI ether the application is granted or denied.
'17ie undersigr ed has received the City's policy regarding the payment of costs of review, understands that
reimburserne to the City of costs incurred in reviewing the application will be required, agrees to reimburse
the Cite as re uired in the policy and make payment when billed by the City, and agrees that the application
may be denied for failure to reimburse the City for costs as provided in the policy.
Notes dl Maj ar charcholdcrs will he required to sign. pc:snnal guarantees and a minimum 9sses4ment
agreement if up front financing of the project L'
APPL WAN SIGN A'TURE
TITTLE vi rl -r O �' � t6 � � � h 1 DATE b �� �' � ti � / V } iJ
C: \t , sa :+ \TimOfFiicc \1)vskL0r \I)cckhii (irotap \Chcius \I .i :( )NIA-- Sportech, Inc \I?sp :nn >st \1`a,rans from ( :111y\F1)A U.\ alrtictttena
applicatioomd rcz
2 /.1/?t115 Last Modilicd
IV. PUBLIC PURPOSE
It is t1i po icy of the City of Elk River that the use of Tax :Abatement should result in a benefit to
the pu lic. Plcase indicate how this project will serve a public purpose:
&]o Creation /Retention {Complete table in Section \'
Ni v industrial development which will result in additional private
ini estinent in the area. New de,lcl0f V1,e1�i
_LEr hancement and /or diversification of the City of Elk River's economic base.
"Tl project contributes to the fulfillment of the City's Economic Development
Sti ategic Plan.
_R oval of blight.
Rdiabilitation of a high profile or priority- site.
-A—Si iificantly increase the City's tax base.
V. JOB
& WAGE GOALS I pledre Ee I of � Olckcj SP{r MJ34cl X14-
v1�1d, }i a V1
A ve-r -oi( c
hp-.J`f be'nrflfs
Hourly Wage
l3. (New) Full-
C. (New)
Ilourl� Value of
Value of
(excluding
A. Existing
g
time Job
Part -time Job
Total Jobs
alue
l
Non- Ilealth
Benefits)
Jobs Retained
Creation
Creation
(A +B +C)
Insurance
Insurance
within 2 years
within 2 years
Benefits
$9.110 to $10.99
$
$
$11.00 to $12.99
$ 4. i 6
$
$13.00 to $14.99
$ 4 35
$
$15.00 to $16.99
$ + 53
$
$17.00 to $18.99
V
$ 4
$19.00 to $20.99
$
$
$21.00 to $22.99
$
$23.00 to $24.99
$
$25.00 to $26.99
i}
$ 4(�
$
$27.00 to $28.99
$
$
;:::9.00 to $30.99
$31.00 and higher
C:1 €�crs \'!'ina(ifticc \t)c ° >i a P1ih'cl lan G ra- ur \Chcnas\I {C0Nt)I•:\' \tihnrtech. Inc \I xpanswtl\hamns from (:itOIDA aas abate muna
allplicatinn..locx
2/3/3 15 Last Modiflcd
Vl. SOURCES & USES
Generally, con
cspondence to and from Staff is considered public information. Specific data related to a
financial assist
nce re_ ques is deemed not public: financial Information,
Financial Statements, Net Worth
Calculations, B
isiness flans, Income and Expense projections, Balance. Sheets,
Customer Lists, Income Tax
returns. Whet
public financial assistance is reccived, only the following remains
not public: Business Plans,
Income and Expense
projections, Customer lists, Income tax returns, design, market, and feasibility studies
not paid for vA
th public funds. The city does allow an applicant to submit sensitive financial information
directly to the
.it<'s financial consultant, for additional security.
5()U
CES NAME
AMOUNT,
Bank
.oan
$ Za 0 1
Other
Private funds
$
Own
Crash Equit}v
�� [� 411 +1
Lied (
rant /Loan
$
State
,rant /IA)an
$
EDA
Micro Loan
$
Tax
atetnent n , _ pn7 q5 "4 go
$
ID Bonds
$
TOT
USE
AMOUNT
Land
cguisitivn
$ 3 b`15
Site E
evelopment
�' i 00 0
sons
ruction
Q$+
$ - t� go M
Vlach
ncry & F.'quipment
S 0 2-111 0 D
Archi
ectural & Engineering Dees
S
PQI M-$ s f 1KV" tV 1LY
$ 1. � 0 0 , 00 0
Inter
t During; Construction
$
Debt
3ervice Reserve
$
Conti
gencies
$ 2- � v o, D o 0
TOT
$ ' 3 Z+
f:: \U
r, \'I'int( ) Rice\. I) cAtnr\ I) cckl: m )NIAW \Sportcch. Inc\ IaranSinn \I�,n°ms firs sill( :it+r \FD% tax abatcnnnt
-1phcw innA x N
3 /3 /2ttl51.a;t \I'dificil
Elk
River
Request for Action
To
Item Number
Economic Development uthority Finance Committee
4.1
Agenda Section
Meeting Date
Prepared by
General Business
Aril 28, 2015
Amanda Othoudt, EDD
Item Description
Reviewed by
GATR of Sauk Rapids, Inc. Tax Abatement review
Jeremy Barnhart, Deputy Director, CODD
Reviewed by
Action Requested
Consider and provide recommendation to the EDA on the following GATR of Sauk Rapids, Inc. tax
abatement application.
Background /Discussion
The City has received an application for tax abatement for GATR of Sauk Rapids, Inc. The County has
also received a tax abatement application; they have considered that application at their April 21" County
Board meeting with formal review and a public hearing anticipated for May 19`''. The EDA and City
Council recently approved an amendment to the Business Subsidy policy, allowing business subsidies for
service and retail commercial businesses.
GATR is a full- service heavy duty and medium duty truck dealer with locations in Cedar Rapids and Des
Moines, Iowa and Sauk Rapids, Minnesota which employ approximately 200 people. The proposal for
this project site is to provide new and used truck sales, rental, leasing parts and service. GATR Truck
Center would be a unique business in Elk River with no direct competitors within Sherburne County.
GATR is proposing to build a facility in Elk River in order to better provide service to customers in the
southeastern corner of their market area. Total sales generated from the property are expected to exceed
$20 million by 2017 and $30 million by 2023.
If approved, this would be the first project to break ground in Elk River's City Owned Nature's Edge
Business Center 2nd Addition. The proposed project would consist of a 42,912 square foot facility with an
estimated taxable value of approximately $3,900,000. The project is estimated to generate an approximate
$160,500 in property taxes per year upon completion. The company has applied for a 15 years of tax
abatement financing from the City of Elk River in the amount of $546,814. The tax abatement will allow
GATR of Sauk Rapids, Inc. to purchase the property and provide operating flexibility.
Tax Abatement
The attached memo from Springsted summarizes the analysis completed to date. The project includes
the creation of 63 new jobs. The project scored 43, at the higher end of the desirability range. Mikaela
Huot will be at the meeting on Tuesday to verbally support the analysis.
P a f E R E a a i
1 CIA R
Staff's review assumes abating taxes of the entire property for 15 years. Based on the analysis provided by
Springsted, it appears that GATR of Sauk Rapids, Inc. would not proceed with the project without
assistance.
Attachments
• Springsted Analysis (April 23, 2015)
• Tax Abatement Application
In accordance with MN State Statute 3.591 BUSINESS DATA. Subdivision 1, the following data,
that are submitted to a government entity by a business requesting financial assistance or a benefit
financed by public funds, are private or nonpublic data: financial information about the business,
including credit reports; financial statements; net worth calculations; business plans; income and
expense projections; balance sheets; customer lists; income tax returns; and design, market, and
feasibility studies not paid for with public funds are not included in this packet.
N: \Departments \Community Development \Economic Development \EDA \Administrative \Agenda \EDA Agenda Packets \2015 \5 -18- 2015 \x6.1
at2 GATR EDA Finance Committee Staff Report.docx
Springsted
DRAFT MEMORANDUM
TO: Amanda Othoudt, Economic Development Director
FROM: Mikaela Huot, Vice President /Consultant
DATE: April 24, 2015
SUBJECT: GATR Proposed Tax Abatement — Project Analysis
Springsted Incorporated
380 Jackson Street, Suite 300
Saint Paul. MN 55101 -2887
Tel: 651 - 223 -3000
Fax: 651 - 223 -3002
www.springsted.com
The City of Elk River has asked Springsted to evaluate a tax abatement request for assistance submitted by the
developer, GATR Truck Center. (GATR). The developer proposes to purchase land from the Economic Development
Authority of the City located within the 2nd phase of the Nature's Edge Business Center and construct an approximate
42,912 square foot facility. GATR Truck Center is a full service heavy and medium truck dealership. The proposal
for this project site is to provide new and used truck sales, rental, leasing parts and service. GATR anticipates
having 100 -150 trucks in inventory, with customer and service trailers stored on the lot periodically. The purchase
price of the land from the City is $2.25 /SF for a total of $1,316,695. According to the applicant, the tax abatement
assistance will be used as annual cash flow to support debt service on the approximate $13.25M project to be
financed with a combination of debt and equity.
The purpose of this memo is to summarize the analysis that Springsted prepared, including the estimate of tax
abatement revenues for the project and to assist with determining whether the project as proposed is likely to
proceed "but for" the requested tax abatement assistance. The analysis is based on our review of the project
components and financials and general rationale for assistance as submitted by the developer.
There are several methods available to determine if a project would proceed "but for" the assistance. An analysis
comparing the rates of return with and without assistance is a common method used to analyze the "but for" test.
However, in some cases, a review of the project's sources and uses of funds and operating cash flow performance is
done to determine if an operating gap exists or if the project performance is not expected to meet minimum financing
requirements and return thresholds to assist with determining that a project meets the "but for" test. If, following the
review, it is determined that the project has a shortage of debt, cash, and /or equity based on the projected value of
the project upon completion and net operating income available to support debt service, it can be determined that the
project would not proceed "but for" the assistance. It is important to note that tax abatement does not statutorily
require a "but for' analysis to determine if the project would proceed without assistance, however it must be
determined that the project is in the public interest and that the benefits outweigh the costs and the City's current tax
abatement policy requires this finding be made.
Public Sector Advisors
City of Elk River, Minnesota
GATR request for Tax Abatement
April 24, 2015
Page 2
Tax Abatement Assumptions
Springsted made certain assumptions to calculate the estimated amount of tax abatement revenue generated by the
proposed new project. Those assumptions include the following:
• City of Elk River proposed tax abatement
• Abate incremental land & building value:
• P I D: 75- 828 -0110
• EMV as of Jan. 2, 2014 for taxes payable 2015 is 7500
• Assumed to be `base' value of abatement
• Value estimate provided by Sherburne County website
• EMV as of Jan. 2, 2016 for taxes payable 2017 is $3,900,000
• Land: $1,550,000
• Building: $2,350,000
• Total Value: $3,900,000
• Value estimate provided by County Assessor
• Abatement term and participation
o City for up to 15 years
• First Year of Abatement
• Taxes payable 2017
• Construction complete by December 31, 2015
• 2015 tax rates remain constant through term (Rates Provided by Sherburne County)
o City: 47.190%
• Class rates remain constant through abatement term
• Fiscal disparities contribution - NA
• 0% annual market value inflator assumed
• Present Value Assumptions
0 4% Discount Rate
o Dated Date of December 31, 2015
Tax Abatement Revenue Estimates
GATR
Abatement Project
City Abatement
Estimated Annual Tax Abatement Revenue
$36,454
Total Estimated Tax Abatement Revenues 15 Years
$546,814
Estimated Present Value of Total Revenues
$389,722
City of Elk River, Minnesota
GATR request for Tax Abatement
April 24, 2015
Page 3
The above table illustrates the projected net revenues that tax abatement would generate for the proposed term of 15
years for the City. The company has also requested tax abatement assistance from the County for a term of 12
years. The estimated total abatement revenues as requested from the County are equal to $481,848. The maximum
abatement term for the City is up to 20 years if only 1 or 2 entities participate in the abatement or the City receives
written denial of participation from one of the other taxing entities (County or School District). All participation levels
and amounts would be subject to individual policy and Board decisions following anticipated public hearings.
Revenues captured through tax abatement and provided as reimbursement to the property owner for certain costs
must be used only for those properties that benefit from the tax abatement.
Developer Request for Tax Abatement Assistance
The developer submitted a request for tax abatement assistance from the City of Elk River and Sherburne County to
assist with financing the proposed $13.25 million acquisition and subsequent construction of City -owned property
located in the 2 °d phase of the Nature's Edge Business Center. The developer has requested approximately
$546,810 in abatement assistance over 15 years from the City and $481,848 over 12 years from the County.
The Developer's submittal includes a preliminary total project budget of $13,249,495 as shown in the table below.
Project Costs
Total Cost
Sources of Funds
Total Sources
Land Acquisition
$1,316,695
Bank Loan
$5,200,000
Site Development
$1,400,000
Equity
$8,049,495
Construction
$5,450,000
Machinery & Equipment *
$1,082,800
Parts /Inventory *
$1,500,000
Contingency
$2,500,000
Total Costs
$13,249,495
Total Sources
$13,249,495
* assumed to be business costs, as opposed to real estate investment costs
Project Financing
There are generally two ways in which assistance can be provided for most projects, either upfront or on a pay -as-
you-go basis. With upfront financing, the City would finance a portion of the Developer's initial project costs through
the issuance of bonds or as an internal loan. Future revenues would be collected by the City and used to pay debt
service on the bonds or repayment of the internal loan. With pay -as- you -go financing, the Developer would finance
all project costs upfront and would be reimbursed over time for a portion of those costs as revenues are available.
Pay -as- you -go- financing is generally more acceptable than upfront financing for the City because it shifts the risk for
repayment to the Developer. If revenues are less than originally projected, the Developer receives less and therefore
bears the risk of not being reimbursed the full amount of their financing. However, in some cases pay as you go
financing may not be financially feasible. With bonds, the City would still need to make debt service payments and
City of Elk River, Minnesota
GATR request for Tax Abatement
April 24, 2015
Page 4
would have to use other sources to fill any shortfall of revenues. With internal financing, the City reimburses the loan
with future revenue collections and may risk not repaying itself in full if revenues are not sufficient. The form of
financial assistance proposed in this case is pay -as- you -go financing.
Developer Proforma "But For" Analysis
In approving an abatement project, the Elk River EDA has requested that a finding be made that the proposed project
would not reasonably be expected to occur solely through private investment within the reasonably foreseeable
future. The developer has provided a "but -for" argument stating that the financial assistance from the City is
necessary to provide sufficient project cash flow and market returns to investors that will achieve project feasibility.
The developer has stated the assistance is necessary due to the costs of developing the site and inability of the
project to fully support those costs upon completion. The current estimated project costs are in excess of the
estimated future value of the building upon development as provided by the County. Based on this analysis, the EDA
could be justified in determining that the project meets the "but for" test and would not proceed without assistance.
As stated tax abatement does not statutorily require a "but for" analysis to determine if the project would proceed
without assistance. A city, county or school district may grant a tax abatement, by contract or otherwise, of the
taxes imposed by the city on a parcel of property, which may include personal property and machinery, or defer the
payments of the taxes and abate the interest and penalty that otherwise would apply, if:
• it expects the benefits to the city of the proposed abatement agreement to at least equal the costs to the city
of the proposed agreement or intends the abatement to phase -in a property tax increase, as provided in
clause (2)(vii); and
• it finds that doing so is in the public interest because it will:
• increase or preserve tax base;
• provide employment opportunities in the political subdivision;
• provide or help acquire or construct public facilities;
• help redevelop or renew blighted areas;
• help provide access to services for residents of the political subdivision;
o finance or provide public infrastructure;
o phase -in a property tax increase on the parcel resulting from an increase of 50 percent or more in
one year on the estimated market value of the parcel, other than increase attributable to
improvement of the parcel; or
o stabilize the tax base through equalization of property tax revenues for a specified period of time
with respect to a taxpayer whose real and personal property is subject to valuation under
Minnesota Rules, chapter 8100.
The developer has indicated that the abatement revenues are necessary to ensure business sustainability and
support projected annual debt service. The implication being that "but for" abatement assistance the project will not
proceed.
City of Elk River, Minnesota
GATR request for Tax Abatement
April 24, 2015
Page 5
The Developer's submittal includes a 15 year financial and cash flow projection and proforma with and without
abatement assistance. The 15 year financial and cash flow projection indicates negative income before taxes for the
first 8 years, and increasingly stabilizing each year, followed by positive income for the remaining 7 years. The
proforma with and without tax abatement is an analysis of the developer's use of the annual abatement revenues to
reduce the mortgage liability on the property and increase the projected return on equity for the project. The analysis
indicates the tax abatement assistance will have a positive impact on the return.
Conclusion
The developer has requested assistance in the amount of $546,810 from the City of Elk River and that the project
would not be feasible without assistance as demonstrated by the return on equity comparisons. There are several
methods to determine if a project would proceed "but for" assistance. Based on the available information, in this case
a debt service and project cash flow gap analysis was utilized to test the viability of the project. The tables as
provided in the application indicate that the tax abatement assistance reduces the annual debt service burden on
project cash flows and improve the projected return on equity. "But for" abatement assistance, a reduction in
operating and /or borrowing costs, or increased revenues or some combination of the above, the developer has
indicated the project as proposed would not go forward. In addition, it is important to note that the developer has
indicated that the project will aid in the creation of 63 new jobs in the City of Elk River.
Thank you for the opportunity to be of assistance to the City of Elk River. Please contact me at 651 - 223 -3036 or
mhuot(o)springsted.com with any questions or to discuss.
Projected Tax Abatement Report
City of Elk River, Minnesota
Proposed Tax Abatement for GATR
Participation of City for 15 years and County for 12 years
Total EMV of $3,900,000 with Incremental EMV of $3,892,500
Annual
Period
Ending
1
Total
Estimated
Market Value
2
Total
Net Tax
Capacity
3
Less:
Non-
Abated
Net Tax
Capacity
4
Retained
Captured
Net Tax
Capacity
5
Times:
Tax
Capacity
Rate
6
Maximum
Tax
Abatement
City
47.19%
7
Maximum
Tax
Abatement
County
51.98%
8
Maximum
Tax
Abatement
School District
42.48%
9
Total
Tax
Abatement
10
P.V.
Annual
Abate To
12/31/15
4.00%
12/31/17
3,900,000
77,250
113
77,137
146.431%
36,454
0
0
36,454
33,704
12/31/18
3,900,000
77,250
113
77,137
146.431%
36,454
0
0
36,454
32,408
12/31/19
3,900,000
77,250
113
77,137
146.431%
36,454
0
0
36,454
31,161
12/31/20
3,900,000
77,250
113
77,137
146.431%
36,454
0
0
36,454
29,963
12/31/21
3,900,000
77,250
113
77,137
146.431%
36,454
0
0
36,454
28,810
12/31/22
3,900,000
77,250
113
77,137
146.431%
36,454
0
0
36,454
27,702
12/31/23
3,900,000
77,250
113
77,137
146.431%
36,454
0
0
36,454
26,637
12/31/24
3,900,000
77,250
113
77,137
146.431%
36,454
0
0
36,454
25,612
12/31/25
3,900,000
77,250
113
77,137
146.431%
36,454
0
0
36,454
24,627
12/31/26
3,900,000
77,250
113
77,137
146.431%
36,454
0
0
36,454
23,680
12/31/27
3,900,000
77,250
113
77,137
146.431%
36,454
0
0
36,454
22,769
12/31/28
3,900,000
77,250
113
77,137
146.431%
36,454
0
0
36,454
21,893
12/31/29
3,900,000
77,250
113
77,137
146.431%
36,454
0
0
36,454
21,051
12/31/30
3,900,000
77,250
113
77,137
146.431%
36,454
0
0
36,454
20,242
12/31/31
3,900,000
77,250
113
77,137
146.431%
36,454
0
0
36,454
19,463
$546,814 $0 $0 1 $546,814 1 $389,722
Public Sector Advisors