YOUR PARTNER
IN SBA AND USDA LENDING

Grow your profits and focus on your advantage over regional and national banks

  • Safely expand your borrower base

  • Outsource workload

  • Leverage VITAL’s expertise on-demand

LEARN MORE

Giving Community Banks New Advantages

Expand Lending Capabilities
Expand Lending Capabilities
Increase Lending Volume
Increase Lending Volume
Expertise On-Demand
Expertise On-Demand
Mitigate  Risk
Mitigate Risk

Are you locked in a losing battle of cutting rates? Are you the bank of choice in your community? Are you consistently outperforming your banking peers? If not ... let us be the VITAL difference for your lending institution. 

 

LEARN ABOUT ALL OUR SERVICES HERE

"BankORION has worked with VITAL Financial for several years.  VITALFinancial Services’ expertise and resources allow our bank to include SBA 7a loans to our line of products.  Mike Slater and VITAL’s staff provide the knowledge and experience our lenders need to be proficient in SBA lending."

 

Tim Fritz

Senior Vice President and Chief Lending Officer, Bank Orion, Orion, IL

Service and Expertise Matters

Years Combined Experience
years combined experience
State Service Area
state service area
Growth Since Inception
growth since inception
Guarantees Lost or Compromised
guarantees lost or compromised

We think those who do good should also do well. All SBA/USDA lending stakeholders can win – including the bank, the borrower, the community, and the government. Our team is committed to "simplifying the complex" so everything works together for good.

 

MEET THE TEAM, YOUR VITAL PARTNERS

“We started working with VITAL due to the unique needs of our customers. In one case, our decision to go with SBA helped our customer stay in business – being able to customize the loan and include items into the final amount that traditional financing was incapable of covering. Any dedicated SBA or USDA guaranteed lending needs to go through VITAL. They act as our experts for the packaging, presenting, and closing of these loans. While the deals we present VITAL are always highly complex, they’re always responsive and can come to the table with the right answers.” 

 

John Steen

Sr. VP, Lincoln Savings Bank

Waterloo, IA

SBA Loan Gives Ag Business New Potential
SBA Loan Gives Ag Business New Potential
Financing Local Infrastructure Projects with the USDA
Financing Local Infrastructure Projects with the USDA

 

Communities all over the nation face a daunting task – how to upgrade and replace aging...
Case Study: Manufacturer Funds Complex Business Acquisition
Case Study: Manufacturer Funds Complex Business Acquisition
Oct. 5 is National Manufacturing Day, and what better time for community lenders to re-evaluate...
$20 Million in Recently Funded Projects
$20 Million in Recently Funded Projects

 

Come see what we've been up to at VITAL!
Maintaining Your SBA Guarantee For the Life of the Loan
Maintaining Your SBA Guarantee For the Life of the Loan
An SBA guarantee is the insurance policy that allows your bank to extend credit to businesses...
Have You Been Following Our C&I Lending Series?
Have You Been Following Our C&I Lending Series?
Small Business Credit Outlook: May 2018
Small Business Credit Outlook: May 2018
Case Study: Helping a Farm Pursue a New Business Opportunity
Case Study: Helping a Farm Pursue a New Business Opportunity

 

The owners of a family farming operation were evaluating their business, as they had grown...
Small Business on the Upswing
Small Business on the Upswing

 

Good news for main street! According to PayNet, small business lending increased significantly...

Are You a 'Lifeline Lender' For a Rural Area?
Are You a 'Lifeline Lender' For a Rural Area?

 

Rural areas rely heavily on community banks as their lifeline to mainstream financial...

The Right Time to Refinance with the SBA
The Right Time to Refinance with the SBA

 

Private businesses are feeling confident about the current economy, but many still aren’t...

Small Business Credit Outlook
Small Business Credit Outlook

 

Recently, PayNet, Inc., a national expert in small business credit data and analysis, released...

Hit Your 2018 Goals With a Solid SBA Program
Hit Your 2018 Goals With a Solid SBA Program

 

It’s a new year, and you may have spent some time setting goals and targets for 2018. At...

Most Clicked Articles of 2017
Most Clicked Articles of 2017

 

These were the most popular VITAL articles from 2017!

 

Click the links below if you'd like to...

The Lending Programs You May Not Know About
The Lending Programs You May Not Know About

You've likely heard of the SBA 7(a) and 504 loan programs, the most widely used guaranteed...

4 Reasons to Use the SBA to Finance Business Acquisitions
4 Reasons to Use the SBA to Finance Business Acquisitions

 

Have you ever had to turn down a borrower that wanted to buy a business, because the physical...

Are You Missing Out on 3 Key Lending Programs?
Are You Missing Out on 3 Key Lending Programs?

 

Would you pass up the opportunity to lend to a solid business or community project? What if...

Don't Overlook This Important Detail
Don't Overlook This Important Detail

 

One of the most important details of an SBA Loan Authorization is often the most overlooked....

Four Things Bank Management Must Do for SBA Success
Four Things Bank Management Must Do for SBA Success

 

I recently came across this article, and was struck by one important paragraph it contained....

Will the SBA Approve This Loan? And Other Common Questions, Part 2
Will the SBA Approve This Loan? And Other Common Questions, Part 2

 

In last month’s article, we looked at the mission and original intent of the SBA. This...

Will the SBA Approve this Loan? And Other Common Questions, Part 1
Will the SBA Approve this Loan? And Other Common Questions, Part 1

 

As the head of underwriting at VITAL, I have the privilege of working with lenders across many...

Protect Your SBA Guarantee With These Guidelines
Protect Your SBA Guarantee With These Guidelines

Your SBA loan is underwritten and closed, and your guarantee – which may cover up to $3.75...

The FAQs of SBA and USDA Lending
The FAQs of SBA and USDA Lending

 

After hundreds of government guaranteed loans, there are questions we’ve heard many times from...

Could You Add $3 Million in Noninterest Income This Year?
Could You Add $3 Million in Noninterest Income This Year?

 

Earlier this year, the SBA released its 2016 list of the 100 most active SBA lenders in the...

Raise Small Business Lending Revenue Without Increasing Expense
Raise Small Business Lending Revenue Without Increasing Expense

 

In an August 2014 article in the Harvard Business Review, Karen Mills, the former head of the...

Increasing Your Net Interest Margin in the Low Interest Environment
Increasing Your Net Interest Margin in the Low Interest Environment

  

According to the FDIC, community banks have been historically more successful than...

3 Tips For Increasing Loan Sale Premiums
3 Tips For Increasing Loan Sale Premiums

 

In last month's article, we discussed increasing your non-interest income through selling the...

Are You Ready to Increase Noninterest Income?
Are You Ready to Increase Noninterest Income?

 

Historically, interest income has been a key driver of bank profitability. But, in the years...

C&I Loans: Your Path to Better Bank Performance
C&I Loans: Your Path to Better Bank Performance

Commercial and Industrial (C&I) loans give lenders the opportunity to generate greater interest...

3 Tips for Becoming Your Community's Bank of Choice
3 Tips for Becoming Your Community's Bank of Choice

 

For a bank to be a cornerstone of its community, it needs to help build the community. 

...

Building a Strong Business Requires a Solid Team
Building a Strong Business Requires a Solid Team

 

Vince Lombardi, the legendary football coach, defined teamwork as “Individual commitment to a...

Have You Reported Your SBA Loans To The Credit Bureaus?
Have You Reported Your SBA Loans To The Credit Bureaus?

Or the better question should be, “Did you know that SBA requires loans processed through SBA to...

Is Outsourcing SBA Servicing A Better Solution?
Is Outsourcing SBA Servicing A Better Solution?

Many community banks struggle with the management and maintenance required for SBA 7(a) loan...

How Can Noninterest Income Benefit Community Banks
How Can Noninterest Income Benefit Community Banks

In December of 2012, the FDIC completed a Community Banking Study in an effort to identify...

Building Profit in Guaranteed Loans
Building Profit in Guaranteed Loans

Stephen Covey, in his book The 7 Habits of Highly Effective People, discussed the importance of...

AG Lending And The Current Economic Climate
AG Lending And The Current Economic Climate

 

David B. Oppedahl, senior business economist for the Federal Reserve Bank of Chicago recently...

Top 2 Tools For AG Lending In 2015
Top 2 Tools For AG Lending In 2015

 

Midwest farmers are faced with lowered crop prices and two to three years of potential...

SBA’s Lender Matrix and the Cardinal Rules of Servicing
SBA’s Lender Matrix and the Cardinal Rules of Servicing

 

VITAL Financial Services receives numerous servicing questions from participant lenders. The...