Innovative Financing Solutions
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Changes in the SBA’s SOP – An Expert’s Guide Though the Maze (Part 1)

The Small Business Administration (SBA) recently released an update to its Standard Operating Procedures, (SOP) 50 10 5(J), effective January 1, 2018. The SOP establishes the SBA’s procedures for supervision of and enforcement actions for SBA’s 7(a) Lenders, Certified Development Companies (CDCs), and Microloan Intermediaries as it relates to their SBA lending operations. This article…
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SBA’s Secondary Market – An Opportunity to Preserve Liquidity and Increase Profitability

As banks continue to experience interest margin compression, lenders of all types are consistently seeking ways to earn non-interest fee income. This hunger for non-interest income has created numerous secondary markets for loans – including a Secondary Market for Small Business Administration (SBA) 7(a) loans. This article provides a brief overview of the criteria required…
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Finding Greener Pastures for Agricultural Lenders

As energy costs continue to rise and climate change remains a major topic in the public’s mind, agricultural producers are increasingly seeking ways to increase their production of renewable energy – a strategy that not only reduces their energy costs, but simultaneously supports America’s mission to achieve energy independence and develop clean energy sources. To…
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Bridging the Gap: Are You Ready to Apply for a Commercial Loan?

Many business owners in need of commercial financing often find themselves unprepared to complete the loan application and undergo the loan approval process. Banks require a significant amount of financial and related information, as well as supporting documentation in order to complete the underwriting of a loan in order to gain loan approval. As a…
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