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

Duration: 90 Minutes
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.
Fundamentals of SBA Lending
Instructor: Vincent DiCara
Product ID: 508822
Objectives of the Presentation
  • 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 Needed for Small Business Loan Applications
  • Some SBA Success Stories
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.

Who will Benefit
  • Commercial Loan Officers
  • Branch Managers
  • Credit Analysts
  • Supervisory Personnel
  • Members of Boards of Directors
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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  • Presentation handouts in downloadable PDF format will be updated on your OCP Account within 24 hours of the purchase of the product
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Instructor Profile:
Vincent DiCara has been involved in evaluating and meeting the credit needs of small and medium-sized businesses for 30years 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 the 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.

Mr. DiCara has developed a number of partnerships with organizations whose missions include training and education. He is a co-creator and faculty member of the Credit Union National Association's (CUNA) Business Lending Certification Institute. He has also established relationships with chapters of the Center for Financial Training (CFT) and state banking associations throughout the country. Mr. DiCara also serves as a faculty member of the Neighborhood Reinvestment Corporation and has developed a number of courses that he regularly teaches for that organization. Mr. DiCara also serves as a loan practitioner.
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