Small Business Lending
"Serving America's Businesses Since 1981"

We've received the SBA's 2001 Small Business Financial Advocate for Northern California Award !!

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 ***Services for Banks***

    Small Business Lending and Wayne Evans have been providing banks with loan application and documentation processing since 1987. We have assisted several banks establish their SBA Departments and can provide recommendations from several top banks (see below). We package over 100 SBA loans per year and it shows in our expertise. Wayne Evans is also the founder and President of  B.A.A.G.G.L., The Bay Area Association of Government Guaranteed Lenders. (A non-profit organization established to promote education and cooperation between the federal government and the private sector.)

What does the package include and how much will it cost the bank?

    All of our SBA packages are standard PLP quality and can be customized to the individual bank's requirements. All SBA packages include a completed copy of the T-SOFT file on disk, along with the loan Authorization and all application forms completed and signed. On CLP and GP packages we provide both a bank and an SBA copy.

    Establishing SBA expertise does not need to be expensive. You do not need to enter into a service contract, you do not need to pay commissions, and you do not need to pay fees based on hours worked.  If Small Business Lending packages your SBA loan, we will assist the bank, from initial client interview through SBA audits. 

     Small Business Lending can provide SBA expertise and quality SBA packages for the cost of a packaging fee (typically $1,000). We could be your SBA Department or a supplement to your established department. 

What if my bank does not currently do SBA Loans?

    For lending institutions that are not involved in the SBA programs, Small Business Lending will facilitate SBA Business Loans to your customers, without effecting your depository relationship. We provide the business loan and you maintain the banking relationship. 

Recommendations:

    Our Reputation can and does do all the talking for us. If you would like to learn more about our great reputation then you may contact the lenders that we have or are presently providing SBA packaging/ documentation assistance:

Bank of Los Altos
(Consultant in establishing the SBA department)

Cupertino National Bank
(Consultant in establishing the SBA department)

San Benito Bank
(Consultant in establishing the SBA department)

San Jose National Bank
(Consultant in establishing the SBA department)

Summit National Bank
(Consultant in establishing the SBA department)

Wells Fargo Bank
(Consultant in establishing the SBA department)

Asiana Bank
Associates Commercial Corporation
Bay Area Bank
Bank of Commerce
Bank of Santa Clara
Borrego Springs Bank
Citi Bank
Crown American Bank
Fremont Bank
Heritage Bank of Commerce
Imperial Bank
South Valley National Bank
The Money Store Investment Corporation
Union Bank
Zions Small Business Finance

    Small Business Lending has trained some of the industry's top employees, and continues to offer technical expertise free of charge. We have provided banks with documentation and packaging from New York to Hawaii. Our standard goal is to provide a completed, signed SBA package, with closing requirements (Not including loan documents) in 7 to 10 work days. 

    Our standard packaging fee is $1,000 paid by the borrower or the bank, after the bank has issued a commitment letter or expression of interest letter. We do not accept packages from individuals, only lenders. Should a loan applicant be rejected based on SBA eligibility, the packaging fee is 100% refundable. The refund is conditioned on the occurrence of no material adverse changes to the loan scenario as initially outlined in the bank's commitment or expression of interest letter.

Loan Packaging Services:

Loan packaging services and documentation preparation will include, but are not limited to, the following:  

1. Conduct applicant interviews.
2. Identify SBA eligibility issues and address any areas of concerns with the lender.   
3. Compile, assemble and submit all supporting documentation to include, historical and current interim business and financial statements, projections, management resumes, personal financial statements and tax returns and any other miscellaneous documentation as applicable to the subject loan request.     
4. Complete historical financial spreads, projections and ratio computations along with a comparison to RMA industry averages.
5. Complete 4I Narrative and first draft of SBA Authorization and PLP transmittals.
6. Assemble necessary closing items, such as life insurance policies, business insurance verifications, business licenses, IRS verifications, INS clearances, etc. 
7. Provide other pertinent information as applicable to the subject loan request.
8. Provide any changes or amendments to the loan package after final submission to the lender or SBA.
9. Closing documents such as notes, guarantees and trust deeds and a closing audit is an additional fee, usually $300.00

    Most delays in packaging are due to the borrower's inability to provide, on a timely basis, his basic financial and legal information. It is always our goal to make the process as easy and efficient as possible for the borrower. We want the borrower to complement you on choosing Small Business Lending as the packager. Reputation is more important than money. We will do the first SBA 7A package for free! 

Additional information on our packaging services can be obtained by contacting:
Wayne Evans at Small Business Lending
10225 Morro Road
Atascadero, CA 93422
(800) 540-4884 * (805) 460-9111
fax (805) 460-9119

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Small Business Lending

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Joaquin Torres