Advantages for Financial Institutions from SBA 504

• First lien position with low loan-to-value, maximizing your collateral protection and minimizing your credit risk

• You make your own credit decision and use your own loan documentation

• There is no SBA paperwork for you to complete—RLDC handles all the SBA credit approval and closing process

• CRA credits may be available to your bank

• You may be able to make a deal that otherwise does not meet your credit profile or where the borrower does not have sufficient equity for a conventional loan

• Your client can lock in long term fixed rate financing to complement your shorter term rates

• You may be able to accommodate your client’s needs while staying within your bank lending limits