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SBA and USDA Blog

SBA Loan Default: Top 6 Reasons for Repair or Denial

SBA 7(a) loan defaults are time consuming and drastically impact the profitability of a lender’s SBA loan program. In this article, we will identify potential areas for repair or denial and discuss best practices to mitigate these areas of potential loss. Before diving directly into the top reasons for repair or denial, let’s take a

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SBA 7(a) Loans: Get Insurance or Get Repaired

Ensuring that a borrower maintains current insurance may not seem like a high priority, but it is critical to mitigate risk in an SBA loan portfolio. In this article, we’ll discuss the importance of requiring borrowers to maintain current insurance, present a brief overview of SBA loan requirements regarding insurance, and specifically address a few

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SBA Portfolio Management: Is My Guarantee Safe?

Diligent SBA portfolio management is critical to ensuring that the SBA guarantee remains in place for the duration of a loan.  Lenders that fail to utilize a consistent approach in monitoring borrowers run the risk of facing complicated issues that put the guarantee in jeopardy.  By adhering to the three below guidelines and taking advantage

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2018 SBA Market Outlook Brief

Top SBA Lenders Focus on Technology as Key Differentiator Welcome to our 2018 SBA 7(a) Loan Market Outlook, an annual forecast of key market dynamics based on the best data available at the time of publication. As our strategic discussions with lenders focus on the SBA loan market and trends we see unfolding in the

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5 mistakes sba lenders make
SBA and USDA Blog
James Tibert

SBA Loan Servicing: 5 Common Mistakes Lenders Make

SBA 7(a) loans can be a beneficial asset class for lenders, but it requires an intimate knowledge of the process and rules that govern the Program.  There are many nuances to SBA loan servicing compared to conventional loans and certain areas can easily be overlooked, creating issues that can be complicated to unwind.  When not

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sba 7(a) historical loan sales volume graph
SBA and USDA Blog
James Tibert

The 5 Key Factors Impacting 7(a) Secondary Market Premium

Growth in SBA 7(a) loan sales has closely followed the growth in SBA 7(a) loan fundings every year since 2012.  The chart below illustrates that in fiscal 2017 a record 16,700+ SBA 7(a) loan guarantees were sold for roughly $9.3 billion in principal. (Source: Colson Services Corp.) Lenders participate in the 7(a) secondary market for

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