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.

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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Community Banking: 5 Opportunistic States for SBA Lending in 2019

According to the ICBA, community banks represent roughly 99% of all banks in the United States and make nearly 60% of all small-business loans across the country.  By lending locally, these institutions drive economic growth within our communities and are an integral part of our nation’s financial system.  While the

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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

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