SBA and USDA lending solutions

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SBA and USDA

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 7(a) Loans: The Pros & Cons

Published on May 6th, 2019 by Shawn Andrews

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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Community Banking: 5 Opportunistic States for SBA Lending in 2019

Published on January 22nd, 2019 by Windsor Advantage, LLC

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

Published on November 13th, 2018 by Windsor Advantage, LLC

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

Published on October 9th, 2018 by Windsor Advantage, LLC

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

Published on October 2nd, 2018 by Windsor Advantage, LLC

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

Published on August 21st, 2018 by Windsor Advantage, LLC

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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