SBA & USDA Lending Solutions

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Resources

Windsor Advantage covers SBA and USDA market topics in several types of news – from our SBA and USDA blog and case studies to webinars and white papers.

How to Effectively Manage SBA Loans

The Ultimate Guide for Navigating Payment Modifications, Forbearance Agreements and Liquidations No Lender likes hearing the news that one of their loans has gone into default.  For SBA loans, this news can bring extra anxiety given the additional compliance required in SBA loan liquidations.  Those familiar with the SBA 7(a)

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SBA Loans for Attorneys: Tips for Growing Your Practice

Offices of Lawyers (NAICS Code: 541110) ranked #11 in our latest research on the top 20 performing industries for SBA financing over the last decade.  During this period, attorneys received more than 5,800 SBA 7(a) loans totaling roughly $1.15 billion.  Attorneys find the 7(a) Program to be one of the most attractive options for financing as a result of the flexibility surrounding the permissible uses of proceeds, such as continuing legal education, refinancing existing debt and working capital to cover case expenses.

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SBA Loans for Engineers: The Ultimate Guide

In our latest analysis of the top 20 performing industries, Engineering Services (NAICS Code: 541330) ranked #20.  From October 1, 2009 to December 21, 2018, engineering firms received 3,058 SBA loans totaling roughly $1.06 billion.  While “engineering services” is a broad category covering many types of engineers, the need for capital and the value of SBA financing is similar across all categories.

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The Top 20 Industries for SBA Financing in 2019

SBA 7(a) financing is one of the most common ways for small-businesses to access capital for growth and business expansion.  As highlighted in our recent articles, these loans offer low interest rates and long repayment terms, but navigating the application process can be difficult for many potential borrowers.

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OCRM Audits: 3 Tips for Success with SBA Program Compliance

Significant SBA 7(a) loan growth in recent years has the attention of Capital Hill.  Though Congress continues to appropriate adequate funds to the program, the continued support has brought a demand for increased oversight of the program and its lenders. The Office of Credit Risk Management (OCRM) is tasked with

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SBA 7(a) Loan Application: 4 Things to Keep in Mind

We recently explored some of the most important items to consider when using an SBA loan to help grow your small-business in The Pros and Cons of SBA 7(a) Loans.  Although SBA loans may require time and effort, the long-term advantages outweigh the cons for many small-business owners.  Specifically, those owners interested in longer repayment periods and lower interest rates.If you’ve made the decision to pursue SBA financing, the application process can seem intimidating in the beginning.  However, keeping these four main areas top-of-mind can help you efficiently and effectively navigate the process from start-to-finish.

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SBA 7(a) Secondary Market Premiums: The Highs and Lows

Barring any unforeseen market events, 2019 should continue to be a year of slow, positive growth for SBA 7(a) loan secondary market premiums.  Last year, we experienced some of the steepest declines in secondary market premiums in years, with 10-year, fully priced SBA 7(a) premiums swinging nearly 340 basis points

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SBA 7(a) Loans: The Pros & Cons

If you’re a small-business owner looking for capital to expand, you’ve likely come across SBA 7(a) loans – the nation’s most popular type of loan offered through the U.S. Small Business Administration (SBA).One common misconception is that the SBA lends directly to small-businesses.  In reality, the SBA 7(a) Loan Program partially guarantees loans made by banks or other direct lenders to eligible small-businesses.  The program aims to promote economic growth by encouraging lenders to partner with small-businesses that may be struggling to secure financing on reasonable terms.  Because of the guaranty, SBA loans tend to have lower monthly payments than other types of loans.  However, there are some drawbacks that must be considered prior to getting started with your application.

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2019 SBA 7(a) Loan Market Outlook

Opportunities Arise in the Midst of Stabilizing SBA Market Welcome to our 2019 SBA 7(a) Loan Market Outlook, an annual forecast of key market dynamics based on the best data available at the time of publication. Just as our strategic discussions with lenders and industry experts naturally focus on the

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