Fundamentals of SBA Lending: Documenting, Closing, and Funding the SBA Loan

Instructor: Vincent DiCara
Product ID: 703462
  • Duration: 90 Min

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This webinar will explain the fundamentals of SBA lending and the two most used and popular SBA’s programs: the SBA 504 Program and the SBA 7a Program. Attendees will learn how to document SBA loans, as well as closing and funding SBA loans.

Why Should You Attend:

Today’s lending environment is different from what existed prior to 2008. Because of the financial crisis that began that fall, many lenders have been forced to limit the risks associated with lending money to businesses. Additionally, many businesses have ceased being profitable and as a result have not shown the ability to service debt as they previously had done.

As a result of today’s stricter lending environment, the Small Business Administration (SBA) is being utilized more than ever. SBA lending programs can provide credit enhancements for deals that otherwise could not be funded by banks, credit unions, and others.

This webinar will provide information about the SBA, its lending programs and the ways in which to best use those programs. Of particular importance will be discussion of the specifics associated with the SBA’s two most used and popular programs: the SBA 504 Program and the SBA 7a Program. The 504 Program is a direct loan program used exclusively by businesses which need to invest in fixed assets, such as land, buildings, machinery and equipment. The 504 Program relies on participation by lenders who finance up to 50% of the fixed asset needs of a project. The SBA 7a program provides maximum flexibility and is a guarantee program that will minimize the risks associated with lending money to a business by guaranteeing the loans made by financial institutions.

Areas Covered in the Webinar:

  • SBA History and Mission
  • Types of SBA Financing Programs
  • The SBA 504 Program: Financing for Fixed Asset Needs
  • Roles of the Bank or Credit Union in SBA Lending
  • The SBA Application Process
  • Documents Need for Small Business Loan Applications
  • Some SBA Success Stories

Who Will Benefit:

  • Commercial Loan Officers
  • Branch Managers
  • Credit Analysts
  • Supervisory Personnel
  • Members of Boards of Directors

Instructor Profile:

Vincent DiCara, has been involved in evaluating and meeting the credit needs of small and medium-sized businesses for thirty years as a business advocate, lender, credit analyst and trainer. Since 1995, he has been providing expert training for lending professionals throughout the country who work in the public, private non-profit, and private sectors. Mr. DiCara’s training programs have become known for their ability to foster an informal and participatory environment in which students are empowered to learn.

Mr. DiCara was an owner and founder of Development Finance Training and Consulting, Inc. which he established in 2003. Upon leaving DFTC in early 2013, Mr. DiCara established DiCara Training and Consulting, LLC where he continues to provide the highest quality services to his clients in the banking, credit union, and economic development sectors.

In addition to his experience as a financial trainer, Mr. DiCara also provides consulting services to banks, credit unions, economic development organizations and other lenders who require assistance in developing, implementing, monitoring, and reviewing their loan practices and portfolios. He has conducted a number of loan reviews for small-to-medium sized lending institutions who have small business loan clients.

Mr. DiCara also serves as a loan practitioner and on a consulting basis provides commercial loan officer services to the Greater Portland Council of Governments (GPCOG), the Portland (ME.) Development Corporation (PDC), and the Kennebec Valley Council of Governments (KVCOG). His specific responsibilities include loan underwriting, liaison to financial institutions, and the structuring of complex financing packages that utilize multiple sources of funds from the private and public sectors.

Mr. DiCara is a graduate of Bowdoin College in Brunswick, Maine and received a Master’s Degree in Public Administration from the University of Maine.

Topic Background:

The Small Business Administration (SBA) is the primary guarantor of business loans in the United States. The SBA has a number of different lending programs which both guarantee and provide direct financing to banks, credit unions, and other SBA approved lenders. By using the SBA, lenders are able to stretch their financing resources and make more loans. Using the SBA also allows lenders to lessen the risk associated with risky credits.

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