CLOUS X Success Fee Structure

CLOUSX

Commercial Lending Operating & Underwriting Exchange

CAPITAL. CONNECTED.

CLOUS X SUCCESS FEE STRUCTURE

STRAIGHTFORWARD. TRANSPARENT. PERFORMANCE-BASED.

Funded Loan Amount	CLOUS X Success Fee	Example Loan Amount	Example Fee
All loan amounts	2.00%	$750,000	$15,000
All loan amounts	2.00%	$1,500,000	$30,000
All loan amounts	2.00%	$5,000,000	$100,000

Calculate your fee: loan amount ($)

SBA loan

Fee: $50,000 (2.00% of $2,500,000) · Due only at closing. $0 upfront.

Example Fee Calculations

$750,000 LOAN

Loan Amount	$750,000
CLOUS X Fee (2.00%)	$15,000
Total Fees at Closing	$15,000
Payment Source	Loan proceeds or lender-paid
Due Today	$0

$1,500,000 LOAN

Loan Amount	$1,500,000
CLOUS X Fee (2.00%)	$30,000
Total Fees at Closing	$30,000
Payment Source	Loan proceeds or lender-paid
Due Today	$0

$5,000,000 LOAN

Loan Amount	$5,000,000
CLOUS X Fee (2.00%)	$100,000
Total Fees at Closing	$100,000
Payment Source	Loan proceeds or lender-paid
Due Today	$0

FEE STRUCTURE HIGHLIGHTS

2.00% of the loan amount
One flat rate applies to the whole loan.

No upfront fee from borrower
Fee is collected at successful closing (from loan proceeds or lender, per agreement).

SBA loans: lender-paid
Your lender pays the CLOUS X referral fee; disclosed on SBA Form 159.

One simple rate
No tiers to calculate and no hidden charges.

Money Flow at Closing — CLOUS X is paid from loan proceeds or by the lender at closing (per agreement)

1 Borrower

Signs loan documents. Loan proceeds are funded by the lender through the closing agent.

Loan Proceeds

2 Bank / Lender

Provides loan proceeds to the closing agent (escrow/title company).

$5,000,000
to Closing Agent

3 Closing Agent

Receives loan proceeds, pays closing costs and disburses fees per closing statement.

$100,000→ CLOUS X Success Fee (2.00%)

$75,000→ Other Closing Costs (appraisal, legal, etc.)

$4,825,000→ Net Proceeds to Borrower

Sample Closing Statement

Description	Amount	Recipient
Loan Amount (Gross Proceeds)	$5,000,000	From Lender
CLOUS X Success Fee (2.00%)	$100,000	CLOUS X
Title & Escrow Fee	$35,000	Title Company
Appraisal Fee	$15,000	Appraiser
Legal / Document Prep	$20,000	Attorney
Other Closing Costs	$5,000	Various
Net Proceeds to Borrower	$4,825,000	Borrower

Platform View (Borrower)

CLOUS X Success FeeScheduled for Closing

Funded Amount	$5,000,000
Applicable Fee	2.00%
Estimated Fee	$100,000
Payment Source	Loan proceeds at closing
Due Today	$0
Status	Scheduled for Closing

Important Notes

✓Fee is only due at successful closing.
✓Payment source can be loan proceeds, lender-paid, or borrower cash at closing (per agreement).
✓SBA loans: the lender pays the CLOUS X referral fee and it is disclosed on SBA Form 159; the borrower pays $0.
✓Financing the fee into the loan is allowed only if loan + fee stays within the lender's maximum LTV.
✓All fees are clearly disclosed in the CLOUS X engagement agreement and reflected in the closing documents.

How the CLOUS X Fee Can Be Paid

BORROWER-FINANCED FEE

(Added to the Loan)

The CLOUS X fee is included in the loan amount — only if loan + fee stays within the lender's max LTV.

Loan Amount Needed	$5,000,000
CLOUS X Fee	$100,000
Total Loan Amount	$5,100,000

✓No out-of-pocket fee from borrower
✓Paid directly to CLOUS X by settlement agent
✓CLOUS X checks the all-in LTV automatically

LENDER-PAID FEE

(At Closing)

The lender pays CLOUS X at closing under a separate agreement. Required on SBA loans (disclosed on SBA Form 159).

Loan Amount	$5,000,000
CLOUS X Fee	$100,000
Borrower Pays to CLOUS X	$0
Lender Pays to CLOUS X	$100,000

✓No additional cost to borrower
✓Paid by lender at closing (per lender agreement)
✓Used for every SBA deal

FROM PROCEEDS / BORROWER CASH

(At Closing)

The fee is paid from loan proceeds on the closing statement, or by the borrower in cash. Loan amount and LTV do not change.

Loan Amount	$5,000,000
CLOUS X Fee (from proceeds)	$100,000
Other Closing Costs	$75,000
Net Proceeds to Borrower	$4,825,000

✓Disclosed in the agreement
✓Paid at closing through settlement agent
✓Subject to lender and program rules

Key Benefits

No upfront payment required

Clear, transparent fee disclosure

Flexible payment structures

Aligned incentives — we get paid when you close

Simple, professional closing process

Compliance & Program Rules

Fee structure depends on lender policy, loan program and jurisdiction.
SBA loans: the CLOUS X fee is lender-paid (referral fee) and disclosed on SBA Form 159; SBA rules govern compensation.
CLOUS X includes a rules engine to ensure fees are structured in compliance with applicable laws and program requirements.
All compensation is fully disclosed in the CLOUS X agreement and reflected in closing documents.