UNDERWRITING ASSISTANCE

Detailed Credit Analysis Includes:

Use of Proceeds analysis to ensure that funds are used for SBA or USDA eligible purposes.  

ESTIMATE FEES AND CLOSING COSTS

An accurate estimate of the funds required to close the proposed loan includes charges for:

• SBA/USDA Guaranty Fee

• SBA/USDA Packaging Fee

• Appraisals, Business Valuations and Environmental Reports

• Legal Fees, if applicable

• Title Charges

• Lien Searches and Filings

• Construction Monitoring

COLLATERAL ANALYSIS

Estimated value of collateral assets with the SBA’s advance rates determine whether the proposed loan is fully secured or requires additional collateral.

ELIGIBILITY DETERMINATION

Each Credit Memorandum includes a detailed analysis of the eligibility of the proposed loan request.

BUSINESS AND INDUSTRY ANALYSIS

Current operations of the business are detailed including:

• Description of the business services or products offered

• Revenue mix/seasonality/cyclicality/concentrations

• Target markets

• Competition and competitive advantages

• Vision for the business