Conventional and Government Guaranteed Lending

Small Business Consultants (SBC) is a closely-held bank & business advisory firm headquartered in Sarasota, Florida. Founded in 1990, the firm specializes in establishing sound and profitable Small Business Administration (SBA) and US Department of Agriculture (USDA) Government Loan Programs for their community banking relationships. Contractual services entail:

  • Officer Product Training
  • Marketing & Business Development Assistance
  • Loan Structuring / Eligibility / Underwriting Assessments
  • Application Processing
  • Loan Closing & Post-Closing Servicing Requirements 

SBC assists their client lending institutions in:

  • Increasing Legal & in-House Lending Limits
  • Reducing Capital Reserve Requirements
  • Enhancing Liquidity 
  • Reducing Concentration of Credit Risks 
  • Significantly increasing Profitability

Through an established secondary market, the sale of the Guaranteed Portion of Government Loans (75% – 80% on Loans < $5 Million) affords an unparalleled level of Premium & Servicing (Non-Interest) Fee income, resulting in above-average loan yields.  

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For the Bank’s commercial customer base, the Government Programs provide:

  • Longer Term Financing; 25-30 Years on R/E; 10-15 years on M&E; 7-10 Years on W/C
  • Fully Amortized (Non-Balloon) Loan Terms
  • Consolidation of Loan Components for Multiple Purposes
  • Lower Equity Requirements
  • Increased Level of Available Capital; to $5 Million SBA; $7.5 Million (State Office) - $25 Million (National Office) USDA

 

Qualifying Use of Loan Proceeds include corporate debt restructuring, expansion funding, fixed asset financing, working capital & business acquisitions.

 

The firm’s management philosophy is centered on principles of honesty, integrity and high standards of professional ethics, consistent with our client base.