Small Business Credit Outlook: May 2018

June 13, 2018

Case Study: Helping a Farm Pursue a New Business Opportunity

May 2, 2018


The owners of a family farming operation were evaluating their business, as they had grown dissatisfied with the return on investment from their traditional farming operation. They felt that for a similar investment in another type of business, they could realize a much higher return on their capital.

Small Business on the Upswing

March 30, 2018


Good news for main street! According to PayNet, small business lending increased significantly in the first part of the year, with the January Small Business Lending Index nearing the all-time high from July 2015. The index is up 14% over January 2017. 


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

March 1, 2018


Rural areas rely heavily on community banks as their lifeline to mainstream financial services. The FDIC reports that there are more than 1,200 counties (a third of all U.S. counties) where community banks are the only option. If you are one of these “lifeline” lenders

The Right Time to Refinance with the SBA

February 1, 2018


Private businesses are feeling confident about the current economy, but many still aren’t comfortable taking on new debt, as the flat rate of 2017’s Small Business Lending Index indicates. Further, expected rate hikes in 2018 may add some pressure to the rates of delin

Small Business Credit Outlook

January 11, 2018


Recently, PayNet, Inc., a national expert in small business credit data and analysis, released a Small Business Credit Outlook from Q3 2017.  We found a number of interesting takeaways for community banks, and summarized our key conclusions. You can access your own fre

Hit Your 2018 Goals With a Solid SBA Program

January 5, 2018


It’s a new year, and you may have spent some time setting goals and targets for 2018. At VITAL, we’ve been implementing the Entrepreneurial Operating System (EOS), a set of concepts and tools for business success. It’s been incredibly beneficial, and I find myself freq

Most Clicked Articles of 2017

December 8, 2017


These were the most popular VITAL articles from 2017!


Click the links below if you'd like to check them out again. 


The FAQs of SBA and USDA Lending 

Protect Your SBA Guarantee with These Guidelines

4 Things Bank Management Must Do for SBA Success 


Any topics you'd like us

The Lending Programs You May Not Know About

November 3, 2017

You've likely heard of the SBA 7(a) and 504 loan programs, the most widely used guaranteed lending programs. But, do you know how to leverage the CAPlines, Export Loans, or Business & Industry programs to support business customers that need different financing options

4 Reasons to Use the SBA to Finance Business Acquisitions

October 6, 2017


Have you ever had to turn down a borrower that wanted to buy a business, because the physical assets didn’t cover the requested loan amount? You’re not alone. But, if your traditional approach to acquisition financing leaves you turning away too many opportunities, tak