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SBA and USDA Blog

SBA 7(a) Loan Program Statistics: 4 Key Trends Through FY2018

The SBA’s flagship 7(a) program fell just short of another record setting year in FY2018, with $24.37 billion in authorized loan volume through the 12 months ended September 30, 2018.  Had this number reached $24.45 billion, FY2018 would have represented the sixth consecutive year of overall growth.  Despite the growth streak being snapped (which could

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How to Implement the Proper Controls for Your SBA Department

In one of our recent articles, A Beginner’s Guide to SBA 7(a) Lending, we explored a few of the basic fundamentals of the SBA lending industry.  Although this framework was geared to help guide novice SBA lenders, many of the key risks highlighted in the article predominantly occur when proper controls are not thoughtfully established

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SBA Disaster Recovery Loans

In the aftermath of Hurricane Florence, many lenders will receive requests for assistance from customers during cleanup efforts.  This short article will outline some of the common experiences of Windsor’s clients from Hurricane Harvey and provide information on SBA resources available to lenders and borrowers. Proactive Portfolio Management Windsor recommends that lenders compile a list

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A Beginner’s Guide to SBA 7(a) Lending

The SBA 7(a) Loan Program authorizes the SBA to guarantee loans made by lenders to small-businesses “for whom the desired credit is not otherwise available on reasonable terms from non-Federal sources”.  Common reasons credit might not be available on reasonable terms – referred to as the Credit Elsewhere Test – include (but are not limited

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USDA Loan Eligibility: Community Facilities and Rural Energy for America Programs

In recent years, many SBA lenders have gained an increased familiarity with the flagship USDA lending program, the Business & Industry Loan Program (B&I).  This program offers lenders who operate in rural areas another option to provide customers competitive financing packages for businesses that make a positive economic impact.  Some of the key benefits (unavailable

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SBA Liquidations: How to Liquidate an SBA Loan

Liquidating an SBA loan can be a daunting task for lenders.  When staring at what appears to be an uphill battle, lenders should keep in mind the process outlined in this article along with the SBA’s SOP 50 57 2 to prudently liquidate an SBA 7(a) loan in order to work towards keeping their SBA

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