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sba non-bank lenders

What Is An SBA Non-Bank Lender And Why Do They Exist?

August 17, 2019 by Ryan Smith

Non-Bank Lenders An SBA non-bank lender is a financial institution that does not accept customer deposits. Their sole reason for existing is to lend money to eligible small businesses in their community. On the other hand, a bank is a financial institution that solicits monetary deposits from their customers and in turn loans these funds …

Read moreWhat Is An SBA Non-Bank Lender And Why Do They Exist?

Small Business Real Estate Loans

August 12, 2019 by Ryan Smith

Purchasing commercial real estate for your small business is complicated. There are many things to know before beginning the process to help you reach your goals without making any major mistakes. The first thing you need to know is there are landmines every where and if one or more of these landmines blow up it …

Read moreSmall Business Real Estate Loans
multi-purpose property

What is a Multi-Purpose Property?

August 11, 2019 by Ryan Smith

What Is A Multi-Purpose Property As its name implies, a multi-purpose property is commercial real estate comprised of improved land with a building that has multiple purposes or uses as opposed to buildings that have a single-purpose or use. The primary determining factor whether a property is considered multi-purpose has to do with the design …

Read moreWhat is a Multi-Purpose Property?
single purpose property

What Is A Single-Purpose Property?

August 10, 2019 by Ryan Smith

Single Purpose Property As its name implies, a single-purpose property is commercial real estate comprised of improved land with a building that has a single purpose or use as opposed to a building that has a multi-purpose or use. The primary determining factor whether a property is considered single-purpose has to do with the design …

Read moreWhat Is A Single-Purpose Property?
sba loan personal guaranty

Do I Need To Personally Guarantee An SBA Guaranteed Loan?

July 29, 2019 by Ryan Smith

Who Is Required To Guaranty SBA Loan It’s important to understand that the applicant or borrower of an SBA guaranteed loan is the business, not the individual owners of the business. Therefore, the business is primarily responsible to pay back the loan which is why this repayment source is referred to as the primary source …

Read moreDo I Need To Personally Guarantee An SBA Guaranteed Loan?
commercial-real-estate-loans-san-diego-ultimate-guide

Ultimate Guide To Purchasing Commercial Real Estate For Small Business

July 23, 2019 by Ryan Smith

Purchasing commercial real estate for your small business is complicated. There are many things to know before beginning the process. The first thing you need to know is there are landmines every where and if one or more of them detonate it can be disastrous for you, your partners, shareholders and employees and ultimately for …

Read moreUltimate Guide To Purchasing Commercial Real Estate For Small Business
pledge personal residence sba loan

Am I Required To Pledge My Personal Residence To Qualify For an SBA Loan?

July 19, 2019 by Ryan Smith

Need To Pledge Personal Residence Not every individual obtaining an SBA guaranteed loan is required to offer their personal residence or any other real estate owned as collateral. However, banks, credit unions and non-bank lenders are required by the SBA’s Standard Operating Procedure manual to take the applicants personal residence or other real estate owned …

Read moreAm I Required To Pledge My Personal Residence To Qualify For an SBA Loan?
sba loan 7(a) interest rates

How Interest Rates Are Determined For The SBA 504 Loan Program

July 17, 2019 by Ryan Smith

SBA 504 Loan Rates The SBA 504 guaranteed loan program to purchase commercial real estate is comprised of two loans. One provided by an SBA Preferred Lending Partner and another by an SBA Community Development Corporation (CDC). SBA Guaranteed 504 real estate loan rates on the second portion also referred to as the Debenture are …

Read moreHow Interest Rates Are Determined For The SBA 504 Loan Program
sba loan approved spouse income san diego

Why Your Spouse May Be The Key To Unlocking An SBA Guaranteed Loan

June 28, 2019 by Ryan Smith

What if I told you that your spouse may be the key to unlocking an approval for an SBA guaranteed loan? Could this be true? Why yes it is true, let me explain… Credit Analysis When lenders analyze an applicant’s ability to repay a requested loan, their number one objective is to identify the primary …

Read moreWhy Your Spouse May Be The Key To Unlocking An SBA Guaranteed Loan
sba loan 7(a) interest rates

How Interest Rates Are Determined For The SBA 7(a) Loan Program

June 27, 2019 by Ryan Smith

SBA 7(a) Rates One of the first questions business owners ask when applying for a loan is what is the interest rate. In this episode of SBA FM you will learn how SBA 7(a) guaranteed loan interest rates are determined and what to expect in your own situation. SBA 7(a) guaranteed loan interest rates are …

Read moreHow Interest Rates Are Determined For The SBA 7(a) Loan Program
pitfalls of SBA guaranteed financing

The Pitfalls of SBA Guaranteed Financing

June 20, 2019 by Ryan Smith

This might sound like an odd title for an article written by a person who just left a stable paycheck to start an SBA focused loan brokerage. That’s me! Ha, ha! But if I’m being honest, which is my goal, I have to admit that SBA guaranteed financing is not for everyone. Here are four …

Read moreThe Pitfalls of SBA Guaranteed Financing
E-2 visa holder SBA 7(a) loan business acquisition

Can An Individual With An E-2 Visa Acquire A Business With An SBA 7(a) Loan?

June 15, 2019 by Ryan Smith

My SBA Loan Pro E-2 Visa Eligiblity Yes, E-2 non-immigrant visa holders are eligible to obtain an SBA guaranteed loan to acquire a business. However, there are several specific eligibility tests that must be met by management for the applicant business to be considered eligible. The Application must contain assurance that management is expected to …

Read moreCan An Individual With An E-2 Visa Acquire A Business With An SBA 7(a) Loan?
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