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Publications   "504 Update" - Newsletter Archive  
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Financing Alternatives to Factoring: Using the SBA’s Small Asset-Based CAPLine Program
By: Thomas Wallace and Gregg Lehrer
In his third article on SBA loans, the author discusses how factors provide a legitimate financial service and meet a need frequently faced by the small business community. However, factoring is not an all-purpose solution. The SMAB is offered for your consideration.
Posted: 2007-01-29

The Issue of Right of Redemption in SBA 504 Lending
By: Thomas Wallace and Gregg Lehrer
The impact on lending institutions, notably community banks1, of the exercise of the Right of Redemption, under the U.S. Small Business Administration’s (“SBA”) 504 Loan Program (the “SBA Loan Program”), can be profoundly detrimental to both, participating financial institutions and to the potential borrower under this SBA Loan Program.
Posted: 2007-01-29

The Management of Problem Loans Under SBA 7(a) Guarantees
By: Thomas Wallace
Policy Notice #5000-831, released by the SBA in October 2002, updates the honoring of guarantees under the 7(a) loan program. While this policy improves many aspects of the process, it may also make it more difficult to rely on the guarantee.
Posted: 2007-01-29

A Lender’s Guide to Successfully Marketing SBA 504 Loans
By: Thomas Wallace
The Small Business Administration 504 Loan program is a way to provide low down-payment financing to small business with both long-term rates and amortizations, under a collateral and security structure profoundly favorable to a lender. Recent changes to the allowable loan structure and the delivery mechanism of the product make this a much more viable and interesting product to borrowers.
Posted: 2007-01-29

Problem Loans Under SBA 7(a) Guarantees: Centralization and “Prudent Lending Standards”
By: Thomas Wallace
The SBA’s centralization of guarantee reviews continues, accelerating a trend that fundamentally changes lending under the 7(a) program. Lenders must adapt and evolve.
Posted: 2007-01-24

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