The FAQs of SBA and USDA Lending

March 4, 2017


After hundreds of government guaranteed loans, there are questions we’ve heard many times from banks and borrowers. Let’s review them, in case they’ve crossed your mind, too.


Do all loans require a personal guarantee?

Any loan the SBA guarantees requires at least one per

Increasing Your Net Interest Margin in the Low Interest Environment

December 2, 2016


According to the FDIC, community banks have been historically more successful than noncommunity banks in generating net interest income. Community banks derive 80 percent of their income from net interest income, compared with about two-thirds at noncommunity banks.