How We Help
Contract Underwriting Services
A Contract Underwriting Servicing Agreement provides a tailored approach to credit analysis.
Whether you are relying upon your own capital, working alongside the SBA, or have other funding requirements to consider, we provide the analysis necessary for your institution’s loan decision-making process.
The underwriting process is aligned with your organization's specific credit policies and procedures. This enhances risk management, efficiency, accuracy, and compliance in the lending process.
Experience with CDFI lending objectives, SBA loan programs including SBA 7a Community Advantage and 504, the State Small Business Credit Initiatives, New Market Tax Credits, and FDIC/OCC regulations allows for a streamlined, mission - focused approach to underwriting.
Here are some types of lending we support
If what you need is not on the list, just ask - likely we just forgot to add it!
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Supporting entrepreneurs to bridge the wealth gap shouldn’t be overly complicated. Common sense underwriting with low barriers, while adhering to program requirements is how it’s done.
We can do that.
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Aligning the business’ capital needs with the appropriate loan structure requires a strong understanding of accounting and finance principles, along with the ability to accurately value all types of assets, while also knowing what qualitative factors should be considered in assessing the borrower’s likelihood to repay the debt. Whether to provide companies with funds for working capital or to finance capital expenditures, our understanding of C&I loan analysis protects the Borrower from being under or over-funded.
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Supporting operating companies in the purchase of real estate helps to bridge the wealth gap. Ensuring the purchase is in the borrower’s best interest primarily protects businesses from making bad investment decisions. This, while maintaining program requirements, allows for a clear understanding of credit risk.
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Whether for owner-occupied or investment purposes, appropriately identifying project costs, valuing the real estate as-complete, and identifying the sources of repayment during and after the construction phase is crucial to assessing credit risk.
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Commercial and residential real estate investment analysis requires an understanding of, and ability to, perform an Income Capitalization analysis on the Subject Property, along with appropriate analysis of the borrower’s historical real estate portfolio’s revenue, expenses, and debt service.
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Access to short term working capital allows a business to grow-which is what we all want. Understanding how to determine the loan limit based on a business’ historical and future potential sales lifecycle protects the Borrower from under or over-leveraging itself.
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At times, lending capital is best deployed by offering funding support to other lenders who are more familiar with certain markets and have the infrastructure to support direct small business lending. Analyzing the financial health of the borrowing institution’s loan policies and portfolio, and structuring the repayment terms appropriately is key to assessing repayment risk while supporting a common mission.