The Financial District

Businesses/Borrowers

 The first thing you should know about obtaining a Small Business Administration guaranteed loan is:  If somebody is charging you up front fees, something is wrong.

 The SBA prohibits anybody from charging a business a fee for acquiring an SBA guaranteed loan.  

Government guaranteed loans are much the same, with rate,  terms and conditions, regardless of the bank or lender processing the loan.  The difference between lenders is lende'sr internal policy, SBA expertise and the time it takes to move through the process.

Small Business Capital is a direct SBA lender.  Funding loans our selves or with any of several participating lenders. What we offer is time and experience with no added cost.

Conventional & Government Guaranteed Loans Programs Detailed Below

Want to start a new business or buy an existing business? We have the answer!

We also have a long history with Commercial Real Estate purchase and construction loans, including hospitality properties.

Small Business Lending (SBL) Banks and lenders only.

SBL was started by Wayne Evans in 1987.  Not just a "Packager".  But a complete outsourcing SBA department.  We only package SBA loans for banks once the lender has issued a pre-approval letter of terms and conditions. 

 SBL can provide in all or part:

Client screening of bank referrals      Gathering application/ file information SBA eligibility determination            Underwriting & financial analysis      Credit review with your CCO             The SBA loan Package                   Loan closing                                   SBA Secondary Market Sale           Loan servicing                                Portfolio review and due diligence     Preparation for PLP application        Liquidation & guarantee demand     Recruitment of permanent SBA staff

Packaging fees are $1,500 - $2,500 with underwriting & financial analysis

As an SBA consultant, Wayne Evans has assisted with the start up of several SBA departments.

Asian Bank             Fremont Bank Cupertino National Bank                  San Jose National Bank                   San Benito Bank                      Wells Fargo Bank

Prepared over 100 Wells Fargo SBA loan packages and provided documentation audits through to  their first PLP audit. 

Heritage Oaks Bank

Prepared over 30 GP approved SBA packages 2009 & 2010.

TSOFT packaging software used.   Consulted with Ron Tenenbaum on the development of the software product and one of the first users.

Wayne Evans  nominated three times for SBA Financial  Service  Advocate  of  the year San Francisco SBA

  Founder and Past President of the Bay Area Association of Government Guaranteed Lenders BAAGGL.      (A Northern California Trade Organization of SBA lenders and service providers. Focusing on lender training and regulatory updates )

 Some contracted documentation may be provided by BOLD.

Brokers

We value our referral sources and prefer to work with brokers interested in developing a mutually beneficial relationship. We strongly discourage deals that are e-mailed to us as a blast email to many lenders at one time.

Frankly these types of requests end up being a waste of time for everybody involved. If you are interested in learning more about what we can do for you, contact us to speak about your project.