Small Business Finance Institute | Commercial Lender Training (2024)

  • SBA FY’16 First Five Months’ Loan Volumes Remain Buoyant

    SBA's "Lending Statistics for Major Programs" report for the first five months of FY 2016 shows growth in both the 7 (a) and CDC/504 loan programs with total YTD approved program dollars standing at $10.45 billion through 25,959 loans.

    Read More

    • VantageScore Makes Inroads Into Fico Territory

      The FICO rating system has several shortcomings in predicting a borrower's creditworthiness. VantageScore provides a good alternative and is increasingly being used by lenders and financial institutions as a replacement.
    • Commercial Real Estate Faces Downturn

      The commercial property market saw a drop in January for the first time since 2010. The Moody/RCA Commercial Property Price Index fell 0.3% from the previous month, led by decreases in office and industrial buildings, each of which shed over 1%.
    • American Express Targets Small Businesses After Costco Split

      Having lost Costco's co-branded card business after a 16-year tie-up, American Express is now trying to increase volumes in the small business lending area and will feature its charge card, OPEN, on the Fundera marketplace.
      • Too Big To Fail-–Banking’s Unresolved Problem

        In a recent speech, Neel Kashkari, the new president of the Federal Reserve Bank of Minneapolis, questioned whether the steps taken after the 2008 financial crisis have adequately addressed the issue of too big to fail (TBTF) banks. According to him, much more needs to be done to reduce the risk to the economy.
      • Why Negative Interest Rates Are a Reality

        While negative interest rates on borrowings seem counter-intuitive, they are gaining greater acceptance among central banks in the developed world but their impact on financial markets is yet to be fully understood.
      • Lenders Need to Build a Strong Credit Culture

        The ultimate success of a bank or a commercial lender is dependent to a great extent on how well it manages credit risk, which in turn is strongly influenced by the stand its leadership takes and the training of its staff
      • Mark Smith Named President of American Trust Bank

        American Trust Bank announced the appointment of Mark L. Smith as the new President and Chief Financial Officer.
      • Jason Halperin Hired as CLO at Alabama One CU

        Tuscaloosa-based Alabama One Credit Union announced that Jason Halperin has joined the business as Chief Lending Officer.
      • Taralee Muhli Joins Bank of the West as VP/SBA BDO

        Bank of the West announced that Taralee Muhli has joined the business as VP, SBA Business Development Officer.
      • Mike Stamp Named President of Gateway State Bank

        Gateway State Bank in Clinton, Iowa announced the appointment of commercial lender Michael R. Stamp as its President.
      • Scott Dickman Promoted at Horizon Community Bank

        Arizona-based Horizon Community Bank has promoted Scott Dickman to Market President of Greater Maricopa County.
      • Stuart Aronson Named Lending Chief at WhiteHorse

        H.I.G. WhiteHorse announced that Stuart Aronson has joined the company as group head of its U.S. Direct Lending team.

      • Parada-Renteria Pleads Guilty to Mortgage Fraud Conspiracy

        The loan officer of a real estate and mortgage lending firm in Sacramento has pleaded guilty to concealing a mortgage fraud conspiracy.
      • Kreider Gets 37 Months Sentence in Alton Credit Union Fraud

        In order to save his failing business, Kreider engaged in a fraudulent practice known as “straw borrowing.”
      • David Jackson gets 17 Years Sentence for Mortgage Fraud

        A former Monroeville mortgage broker has been sentenced to 17 years in prison for defrauding more than 40 people in an elaborate loan scheme.
      • Lenders, You Might Be Bad at Networking, If…

        Many lenders aren’t good at networking, not so much because of shyness or the lack of any social graces, but rather they just don’t recognize what success means in networking. If, you’re looking for instant karma or the ‘peel & win’ Lotto card, and that’s rarely--very rarely--going to happen.
      • Charles Green addresses 2015 RFDC in Las Vegas

        Charles Green provided a detailed--but brief-- explanation of calculating financing costs in alternative financing deals, converting total costs into a comparative APR format, for about 100 restaurant owners.
      • SBFI Named Among Top 50 MSF Small Business Finance Influencers

        SBFI Managing Director Charles Green announced that SBFI was named among MarketStreet Funders “Top 50 Small Business Finance Influencers,” which was announced Friday by the MarketStreet’s website. The company is based in Wilmington DE.
    • Small Business Finance Institute | Commercial Lender Training (25)

      • Money Tweets

        Tweets about "from:AmerBanker OR from:naggl7a OR from:nadco504 OR from:ScotsmanGuideCE OR from:CFANational OR from:ABLAdvisor OR from:DnBUS OR from:ExperianDA OR from:Transunion OR from:EquifaxSmallBusiness OR from:ICBA OR from:Cam_Fine OR from:BW OR from:atlantafed OR from:eximbankUS OR from:ClevelandFed OR from:minneapolisfed OR from:philadelphiafed OR from:bostonfed OR from:clevefedresearch OR from:BAI_Info OR from:SFFedReserve OR from:chicagofed OR from:Kansascityfed OR from:DallasFed OR from:AdviceOnLoan"
    • Home
    • Lenders Need to Know
      • AdviceOnLoan Video
      • ABL Lenders
      • CRE Lenders
      • SBA Lenders
    • Lenders on the Move
      • ABL Lenders
      • CRE Lenders
      • SBA Lenders
      • Rap Sheet
    • Lender Events
    • Lending Trends
      • CRE Lending
        • 2015 CRE Lending Outlook
        • 2014 CRE Lending Outlook
      • SBA Lending
        • SBA Lending Outlook
          • 2016 SBA Lending Outlook
          • 2015 SBA Lending Outlook
          • 2014 SBA Lending Outlook
        • SBA Loan Approval 2014-16
          • SBA Loan Approval 2013-15
          • SBA Loan Approval 2012-14
        • SBA 7(a) Approval Analysis
        • SBA 504 Approval Analysis
        • SBA Total Program 2014-16
          • SBA Total Program 2013-15
          • SBA Total Program 2012-14
        • SBA Secondary Market
          • 2015 Market Outlook
          • 2014 Market Outlook
        • SBA Minority Loan Analysis
        • SBA Rural Loan Analysis
        • SBA Veteran Loan Analysis
        • SBA Women’s Loan Analysis
    • Lender
      Tools
      • Excel@Sales
      • Financial Bookstore
      • Financial Book Reviews
    • Advertise
      • Media Kit
      • Order Ads Now
    • About
      • News Releases
      • In the News
      • Advisory Board
      • Staff
      • From the Director
      • Photos
      • Contact
    • Lender Training
      • Lender Training
      • Training Catalog
      • Faculty
      • Core Training
        • Core Lending Topics
        • Core Financial Analysis
        • Core Lending Channels
      • Intermediate Training
        • Intermediate Lending Topics
        • Intermediate Financial Analysis
        • Intermediate Lending Channels
      • Senior-Executive Training
        • Senior Credit Management
        • Executive Credit Management
        • Board Credit Training
      • Video Navigation
      • Pricing
      • Study Hall

    Small Business Finance Institute | Commercial Lender Training (26) Small Business Finance Institute | Commercial Lender Training (27) Small Business Finance Institute | Commercial Lender Training (28) Small Business Finance Institute | Commercial Lender Training (29) Small Business Finance Institute | Commercial Lender Training (31)

    • SBFI

      • About
      • Advisory Board
      • From Director
      • Staff
      • In the News
      • Contact
    • Lender Training

      • Lender Training
      • Financial Bookstore
      • Advice On Loan
      • Capital Movements
      • Rap Sheet
      • Excel@Sales
      • Lender Events
      • Study Hall
    • Lending Trends

      • SBA Monthly Loan Approvals
      • SBA 7(a) Loan Analysis
      • SBA 504 Loan Approval Analysis
      • SBA YTD Total Approvals
      • SBA Minority Loan Analysis
      • SBA Rural Loan Analysis
      • SBA Veteran Loan Analysis
      • SBA Women Lending Analysis
    • Site

      • Advertise
      • Media Kit
      • Manage Account
      • Video Licensing Agreement
      • Terms of Use
      • Privacy Policy
      • Refund Policy
    • Accept Credit Cards

    • Contact

      Small Business Finance Institute | Commercial Lender Training (32)


      850 Piedmont Avenue NE
      Suite 3317
      Atlanta, Georgia 30308

      SBFI offers resources to commercial lenders to meet the challenges of client financing, industry changes and career advancement.

    • About the Small Business Finance Institute

    Copyright © Small Business Finance Institute 2016. All rights reserved.

    Small Business Finance Institute | Commercial Lender Training (2024)

    FAQs

    Is it hard to get approved for small business loan? ›

    The level of difficulty a small business faces when applying for a loan depends on several factors, including its cash flow, time in business, credit score, business plan and desired loan amount. The better a small business is able to prove its ability to repay the loan, the easier it will be to get the loan.

    Are commercial loans difficult? ›

    Securing a small business loan isn't easy for every business. Many factors are used to evaluate a business, but those with a high annual revenue and healthy credit score may have an easier time getting approved compared to a new business with a low annual revenue or poor credit score.

    Is commercial lending lucrative? ›

    Commercial lending can be lucrative for lenders since commercial real estate loans tend to have higher interest rates and loan amounts compared to residential mortgages. The risks are also higher, so lenders scrutinize borrowers' finances, experience, and property details before approval.

    How to be a successful commercial lender? ›

    To excel as a commercial lender, there are specific skills and traits that are essential for success in this field. These include financial analysis skills, risk assessment and management abilities, as well as strong communication and relationship-building capabilities.

    What is the easiest SBA loan to get? ›

    What is an SBA Express loan? This term loan or line of credit offers fixed or variable SBA loan rates as well as the easiest SBA application process, quick approval times, flexible terms, and lower down payment requirements than conventional loans.

    Is there a minimum credit score for SBA loan? ›

    The minimum credit score required for an SBA loan depends on the type of loan. For SBA Microloans, the minimum credit score is typically between 620-640. For SBA 7(a) loans, the minimum credit score is typically 640, but borrowers may find greater success if they can boost their credit score into the 680+ range.

    What credit score is needed for commercial loan? ›

    There's no industry-wide credit score requirement for small business loans. Still, a higher credit score of 700 or above generally means you'll be eligible for funding with more attractive terms.

    What are the odds of getting a SBA loan? ›

    Many statistics say that large banks approve SBA loans at rates as low as 20-30%, while smaller banks approve SBA loans at around 40% or less. All this to say: SBA loan approval rates hover at half or below all loan applications that are submitted.

    How hard is it to get a 200k business loan? ›

    While a $200,000 business loan is below the average borrowing amount of $660,000, it may still be difficult to qualify if you recently started your business. To qualify for a loan of this size, you typically need: Good personal credit. A decent personal and business credit score of around 625 to 680 or higher.

    What are the three C's of commercial lending? ›

    Character, capital (or collateral), and capacity make up the three C's of credit. Credit history, sufficient finances for repayment, and collateral are all factors in establishing credit. A person's character is based on their ability to pay their bills on time, which includes their past payments.

    What are the four C's of commercial lending? ›

    If you are a business owner or potential borrower, understanding the “4 C's of Commercial Lending” is your key to success. These are Capacity, Collateral, Capital, and Character.

    Who is the largest commercial lender? ›

    Top 20 U.S. Banks by Assets: Commercial Property Exposure
    BankTotal AssetsTotal Commercial Real Estate Loans
    JPMorgan Chase & Co.$3.9T$171B
    Bank of America Corp$3.2T$76B
    Citigroup Inc.$2.2T$37B
    Wells Fargo & Company$1.9T$145B
    16 more rows
    Mar 11, 2024

    What are the 5 C's of commercial lending? ›

    Most lenders use the five Cs—character, capacity, capital, collateral, and conditions—when analyzing individual or business credit applications.

    How do I start a career in commercial lending? ›

    A central requirement is having a bachelor's degree either in finance, business, accounting or a related business field. Commercial loan officers must also obtain a federal license in order to perform their jobs in some cases. In some states, a state license is required in addition to a federal license.

    What is the outlook for commercial lending? ›

    About $540 billion of CRE loans are due for maturity in 2024, according to a February TD analysis, followed by a further $535 billion next year. It's clear that a “potentially bumpier road” lies ahead, the bank said, particularly in a beleaguered office market whose woes show little sign of fading.

    What are the chances of getting a small business loan? ›

    Many statistics say that large banks approve SBA loans at rates as low as 20-30%, while smaller banks approve SBA loans at around 40% or less. All this to say: SBA loan approval rates hover at half or below all loan applications that are submitted.

    How much can I realistically get for a small business loan? ›

    Small business loan amounts by loan type
    LenderAverage small business loan amount
    Online loans$5,000 to $500,000
    Short-term loans$5,000 to $750,000
    Business line of creditUp to $1 million
    Equipment financingUp to 80% to 100% of the value of purchased equipment
    6 more rows
    Apr 26, 2024

    What credit score is needed for a small business start up loan? ›

    There's no industry-wide credit score requirement for small business loans. Still, a higher credit score of 700 or above generally means you'll be eligible for funding with more attractive terms.

    What percent down do you need for a small business loan? ›

    A down payment for an SBA 7(a) or 504 loan ranges from 10 percent to 20 percent. For loans from banks, credit unions and alternative lenders, you may see down payment requirements that range from 10 percent to 30 percent — and some lenders that don't require any down payment.

    Top Articles
    Foolish Four
    Investing Basics
    Uti Hvacr
    Satyaprem Ki Katha review: Kartik Aaryan, Kiara Advani shine in this pure love story on a sensitive subject
    Jazmen Jafar Linkedin
    The Ivy Los Angeles Dress Code
    Davante Adams Wikipedia
    Find All Subdomains
    Seething Storm 5E
    Call of Duty: NEXT Event Intel, How to Watch, and Tune In Rewards
    Compare the Samsung Galaxy S24 - 256GB - Cobalt Violet vs Apple iPhone 16 Pro - 128GB - Desert Titanium | AT&T
    New Mexico Craigslist Cars And Trucks - By Owner
    Persona 4 Golden Taotie Fusion Calculator
    Evil Dead Rise Showtimes Near Regal Columbiana Grande
    The most iconic acting lineages in cinema history
    Fear And Hunger 2 Irrational Obelisk
    Vanessa West Tripod Jeffrey Dahmer
    Commodore Beach Club Live Cam
    Everything We Know About Gladiator 2
    Ein Blutbad wie kein anderes: Evil Dead Rise ist der Horrorfilm des Jahres
    Cincinnati Adult Search
    Aol News Weather Entertainment Local Lifestyle
    Southland Goldendoodles
    4Oxfun
    Violent Night Showtimes Near Johnstown Movieplex
    Giantbodybuilder.com
    Dell 22 FHD-Computermonitor – E2222H | Dell Deutschland
    Craftsman Yt3000 Oil Capacity
    Craigslist/Phx
    Used Safari Condo Alto R1723 For Sale
    Rubmaps H
    3 Bedroom 1 Bath House For Sale
    Facebook Marketplace Marrero La
    Rochester Ny Missed Connections
    Zasilacz Dell G3 15 3579
    Trizzle Aarp
    Tryst Houston Tx
    M Life Insider
    Brandon Spikes Career Earnings
    Guy Ritchie's The Covenant Showtimes Near Grand Theatres - Bismarck
    FedEx Authorized ShipCenter - Edouard Pack And Ship at Cape Coral, FL - 2301 Del Prado Blvd Ste 690 33990
    Wolf Of Wallstreet 123 Movies
    Huntsville Body Rubs
    Lebron James Name Soundalikes
    Ajpw Sugar Glider Worth
    Dietary Extras Given Crossword Clue
    Automatic Vehicle Accident Detection and Messageing System – IJERT
    How to Do a Photoshoot in BitLife - Playbite
    Gear Bicycle Sales Butler Pa
    Frank 26 Forum
    4015 Ballinger Rd Martinsville In 46151
    Dr Seuss Star Bellied Sneetches Pdf
    Latest Posts
    Article information

    Author: The Hon. Margery Christiansen

    Last Updated:

    Views: 6502

    Rating: 5 / 5 (70 voted)

    Reviews: 93% of readers found this page helpful

    Author information

    Name: The Hon. Margery Christiansen

    Birthday: 2000-07-07

    Address: 5050 Breitenberg Knoll, New Robert, MI 45409

    Phone: +2556892639372

    Job: Investor Mining Engineer

    Hobby: Sketching, Cosplaying, Glassblowing, Genealogy, Crocheting, Archery, Skateboarding

    Introduction: My name is The Hon. Margery Christiansen, I am a bright, adorable, precious, inexpensive, gorgeous, comfortable, happy person who loves writing and wants to share my knowledge and understanding with you.