James Tibert, Author at Windsor Advantage

SBA Loan Outsourcing: 3 Things Your Institution Should Consider in 2021

The 2021 SBA lending program enhancements and payment subsidies have changed how many lending institutions are approaching traditional SBA lending. If your institution is new to the space or has many years of SBA experience, there are numerous benefits of the program that could lead to large increases in SBA lending activity: 90% guarantee until …

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9 Ways Your Financial Institution Will Benefit from Changes to the SBA 7(a) Loan Program in 2021

SBA and USDA Blog / By James Tibert

As part of the Coronavirus Aid Relief and Economic Security (“CARES”) Act passed last March, the SBA’s Paycheck Protection Program (“PPP”) helped get funds into the hands of more than 5 million businesses in dire need of a lifeline in the midst of the COVID-19 crisis. With the pandemic continuing to surge heading into 2021, …

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OCRM Audits: 3 Tips for Success with SBA Program Compliance

SBA and USDA Blog / By James Tibert

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 this oversight requirement and recent …

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

SBA and USDA Blog / By James Tibert

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 between FY Q2 and Q4. …

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2019 SBA 7(a) Loan Market Outlook

White Papers / By James Tibert

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 SBA’s current state and future …

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Community Banking: 5 Opportunistic States for SBA Lending in 2019

SBA and USDA Blog / By James Tibert

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 SBA’s flagship 7(a) program fell …

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James Tibert

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