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Guaranteed Lending |
We believe community banks are one of the cornerstones of economic development in Rural America. While there are many challenges facing these institutions in today’s business climate, there are opportunities for both borrowers and lenders to enhance the lending process. Both federal and state programs have been designed to assist lenders and investors in providing capital to qualified entrepreneurs. In many instances the local lenders have restrictions emanating from loan policies that haven’t been adjusted to reflect the value of these incentives. In other instances, they are simply unaware of how to combine the various programs together to provide a total capital solution. By combining our Capital Advisory services with our experience in working with local lenders, we work with community banks to develop marketing programs that more fully utilize these programs. Additionally, our experience with guaranteed loans is invaluable to lenders in helping evaluate the merits of using of the programs, and then in executing the transaction in partnership with the government. Although the process requires additional time and expertise, the benefits to the lender are considerable:
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