"Another lender had my business, but in negotiations for this deal they dropped the ball - their approval dept. failed miserably - so I gave your company a shot. Kim responded quickly and proposed even an bigger and better deal. Victoria also responded quickly when needed. I am very satisfied with the whole experience."

Steve Downs, Puget Sound's Best Chicken, Inc.

"As a sizeable Applebee's franchisee who has dealt with many lenders over the years, we have been pleased that our transactions with Irwin were handled very professionally from proposal through funding by their franchise lending team."

Steven Weissman, Vice President - Finance Apple-Metro, Inc.

"BVI has a great relationship with Irwin. They bent over backward to get our primary debt re-financed during 2004. The communication by all members of the team and coordination of all elements of the process made the re-fi move along in a fairly timely manner. The other key to our relationship is the ongoing follow-up by Irwin to insure our success. Irwin has an attitude of getting things done and breaking down barriers--we would recommend them to anyone."

David Miller, BVI Double Drive Thru Inc., a 26-unit Rally's operator in Louisville, KY.

"Working with the people at Irwin Franchise Finance is the best customer service experience I have ever received with any financing transaction in the past 20 years."

James H. Gillenwater, Jr., McAlister's Deli Franchise Owner in Louisville, KY, Heritage Enterprises, Inc.

"IFCC is very personable and easy to talk to. They usually return calls within a few minutes which is very impressive. They are willing to discuss issues and negotiate when it's possible."

Mark Herman - SIAD III, LLC. Sonic Customer

"Dealing with Kim one on one has been awesome and has made the difference, she always comes through for me. IFCC should continue to focus and stick with the personnel stuff, the biggest advantage is the people and that is what it is all about."

David Reller - Clamore, LLC. IHOP Customer

"Dear Nicki...Just wanted to drop you a line to let you know how pleased I have been with the service Irwin has provided my company. As you know the last two years our company has grown at a rapid pace and we have been able to count on Irwin to meet over 80% of our financing needs. When we have submitted invoices for processing the turn around time has been excellent and keeps us first in line with our contractors and suppliers. Thank you and the team at Irwin for your continued support of my company."

Greg Cutchall, President Cutchall Management Company

"Ease is the first thing on the top of my head. Very easy process and you guy's were very prompt and you delivered what you said you'd deliver."

Sherry Doster, CFO, WayCon Pizza Enterprises, Inc. Domino's

"I appreciated the timeliness of their process."

Donna Doyle, Member for Focus Ten Of Tampa, Inc. Arby's Customer

"We have done business with Irwin for some time now, and it is a pleasure dealing with them. In particular, our contact is Nicki Glatter, and she is a professional to the core. She is fast, efficient, and to the point. She lets you know where you stand, and to a borrower, that's all important. We are currently closing a loan with Irwin, and look forward to many more in the future."

James J. Eddy, President, Heartland Chicken, Inc. D/B/A Popeye's Chicken, Kansas City

"IRWIN has been my Lender of choice for the past several years, including recent multi unit acquisitions. Their Product is very competitive, but most important to me is that the SERVICE and RELATIONSHIP they offer is unparalleled in the industry!"

Tom Wallace, Wallace Family Enterprises, Inc., Domino's Franchisee

"IFCC exceeded all my expectations and importantly 3 years after my initial funding, still does."

Ward Parker, Wendy's, Crystal Restaurant Group