Triangle Financial Advisors provides community banks a turn-key solution for sourcing, underwriting, closing, and servicing SBA loans.  We offer an easy and quick entry to the lucrative, government-guaranteed lending market, allowing participating banks to reap the benefits of holding and selling SBA loans without the need for additional infrastructure.

SBA loans have historically provided superior market returns and are particularly attractive under current market conditions.  In a period of tightening lending margins, SBA loan products increase net interest margins and fee income.  With the guaranty from the federal government, SBA loans reduce risk.  And with an active secondary market for the government-guaranteed portion, SBA loans free up bank capital.

SBA 7(a) loans represent the historical backbone of the U.S. government guaranteed loan programs, carrying government guarantees of up to 90% of the loan balance.  7(a) loans are made for business use, including financing of inventory or accounts receivable, business expansion, acquisition of a business, purchase of machinery and equipment, and purchase or refinancing of commercial real estate.

The SBA 504 program is currently the fastest growing government loan program.  A 504 loan is made up of a conventional first loan and a government guaranteed debenture, which has a subordinate collateral position to the conventional loan.  These loans may be used to acquire or construct fixed assets, including commercial real estate, and machinery and equipment.

Many community banks have chosen not to take advantage of the many benefits associated with the SBA lending programs because of the lack of experience and infrastructure.  Triangle Financial Advisors brings the expertise and provides the infrastructure so that community banks can enter the world of SBA lending with little or no experience and no capital outlay.

For more information on how we can provide you with instant SBA lending capabilities, please contact your Triangle Financial Advisor Representative at (205) 356-5806.