iBusiness Funding’s Post

Join this Webinar to learn about the "alphabet soup" of these state and federal loan programs: CAP, CDFI, RLF, SBIC, SSBCI, SBA 504, SBA 7(a), and SBA CA.  So many acronyms, oh my!!!

I will be speaking on Underwriting, Pre-Qualification, & Ability To Pay, how useful are borrower FICO scores today in predicting loan performance success, How Is Your Credit Box Changing As Rates Rise, Lenders restricting or expanding credit box, As rates rise and the economy improves…Excited to share my ideas on these topics with my fellow panelists. Information Management Network (IMN) #dscr #nonqm #commercialmortgages #realestatefinance #hardmoney #bridgeloans #privatelender #realestateinvestment #ftlauderdale

TPO GO allows for manual underwriting on FHA loans, which could be your key to getting more of your borrowers' loans approved! Unlike automated systems, manual underwriting allows compensating factors like cash reserves to offset qualifying ratios that might normally make the borrower ineligible. Work with TPO GO for a more personalized approach that increases your borrower’s approval chances! 👉 https://bit.ly/3RWf5DI #GOWithTPOGO #ManualUnderwriting #FHA #CommonSense #SoarIn24 Phil DeFronzo Trey Van de Bogart Phil Brousseau Jennifer Sosebee

Conductiv had a great time at CUNA Mutual Group #GAC! We enjoyed speaking with our #creditunion partners and heard them loud and clear: 💡While 2024 planning is technically over, it’s not quite done because of the uncertainty around #interestrates and #liquidity concerns. Many credit unions are still figuring out 2024 plans. 💡There’s a lot of pent up loan demand for mortgages, personal loans, HELOCs, and credit cards. 💡The Fed is poised to cut rates and credit unions want to prepare now to be ready for when rates drop. 💡Credit unions want to increase efficiencies and scalability without changing lending models or incurring fixed costs. 💡The goal is to get infrastructure set up ahead of time, but avoid new costs until after application volumes increase. Conductiv has been listening carefully. Our usage-based pricing lets credit unions get infrastructure set up ahead of time to be ready for when rates drop, and avoids new costs until application volume uplift materializes. We’re here to help! Thanks to Todd Peeples MBA, PMP Kevin Mietlicki Trish Shermot, CME, CUDE Kirk Kordeleski Tyrone Muse Shawn Wolbert Douglas Fagan Kathleen (Kate) Himes Deana M. Garcia Sherryl Dieckman Tyrone Jones Maddie Potter James Warneck Joseph D'Introno @megan fre and so many other credit union leaders for your thoughts!

We are thrilled to announce the launch of our new Business Services Program at LA Financial Credit Union! This strategic initiative represents a significant milestone in our journey to broaden our offerings and enhance the services provided to our valued members. At the heart of our Business Services Program are the core principles of SPEED, CONVENIENCE, AND EXECUTION. These values are our compass, ensuring top-notch service delivery to all our members. Our comprehensive offerings encompass Commercial Real Estate Loans, Multifamily Loans, Business Deposit products, and a new digital business lending platform. These solutions empower small business owners to access essential funding through a more efficient process. Many thanks to all the internal and external team members who played a vital role in bringing this program to life: Doris Davey, Doribel C., Greg Seltzer, Dorine Boland, Luis G., Chiasia M., Ivonet Gomez, MBA, MCM , Kimberly Cesena, Viveca La Teer, and Tom Nakagiri to name a few. Carol Galizia #BusinessServices #LAFinancialCreditUnion #EnhancedServices #Commercialrealestateloans #Commerciallending #Multifamilyloans #Businessloans

#BeYourOwnLandlord for your #BusinessPremises Want to use your SMSF to buy your own Business Premises? Your BANK will probably say NO... But don't let that be a brick wall to what can be an outstanding strategy with long-term tax and investment benefits. After the Royal Commission, most of the banks pulled out of lending to SMSFs. But just because the banks ran for the hills, doesn't mean it can't be done safely or smartly. Anthony Mack recently secured yet another SMSF Commercial Property Loan approval, at a 75% LVR, allowing the client to achieve the security of being their own landlord - so that their monthly rent can pay off their own asset, rather than someone else's. In the realm of SMSF financing, it's not just about getting the loan; it's about structuring it to work for you in the long run. At STAC, we're committed to straightforward financial facilitation. We understand the complexities so you can focus on what you do best — running your business. Mark Trayner Dale Sparke Leigh Blain Darren Bobby Stuart Small Jordan Webb Alex Stalder Max Tyers Anthony Mack Kendra Bullock #CommercialProperty #SMSF #SMSFfinance #SMSFloan #SMSFlending #BusinessFinance #STAC #StrategicPurchase #SuperFundGrowth #InvestmentSmart #FinanceSimplified

Follow the link below to register. You won't want to miss what Nema Daghbandan and Sean Morgan have to share on this webinar! #analytics #marketintelligence #privatelender #privatelending #privatemoney #privatelenders #privatemoneylenders #privatefinance #hardmoneylenders #hardmoneylending #privatemoney #bridgeloans #bridgeloan #privatefinancing #directprivatelenders #directprivatelender  #fixandflip #groundup #directlenders #directlender #privateinvestors #realestateinvesting #realestateinvestors #mortgage #realestate

This month, the SBA announced a new CAPline line of credit product to serve the capital needs of small businesses up to $5 million. We recently penned a quick overview of the CAPline solution in our sister publication, Small Business Finance Insights. This is a particularly interesting development as many banks tighten their credit positions, causing SBA activity stands to grow even faster with the advent of this new solution. SBA lending has often been a vehicle to reach credits beyond the limitations of traditional lending. The government guarantee offers SBA lenders the ability to offload the risk and preserve precious deposit gathering and/or cross sell initiatives. Given a lending environment that remains somewhere between expectedly dynamic and surprisingly volatile, an examination of what sectors are actively seeking SBA funding might reveal insights on where traditional lending is least comfortable right now. But the data tells a familiar story. Read The Full Article: https://lnkd.in/emzYAEei #monitor #suite #equipment #finance #new #sba #volume #by #industry

#FinancingFriday from #Bankabilityzone brought to you by www.EZFundingSolutions.com A good Business Plan speaks the language that the reader needs to see, be it an SBA loan officer, underwriter or an investor. And you really dont get two chances at stating something. Once said, you may not "look" convincing if you have to go back to "fix" it. The reader will, at that point, start doubting every page. Which also means that the business plan must do what it needs to do, IN THE FIRST SHOT. AI can do phenominal job to spit out something in seconds, but IS THAT ENOUGH? Or do you need a human brain to measure things that AI cannot (yet). We put in all our former banking knowledge, 35-40 hours of data, rationale, logic, methodologies, strengths and weaknesses to give to SBA lenders what every underwriter NEEDS, in order to make a decission. Just saying, everytime it's a positive one by the way. (An approval). We are EZ Funding Solutions. A Business Finance Advisory Company. And we are the only ones that do what we do! Truly making businesses bankable. If you are an SBA Lender anywhere in the US, and want to partner with a former credit trained SBA lender, who now can make your life easier by bringing VALUE through our consulting verticals for your borrowers, and want to join several other SBA lenders that have sucessfully closed deals through our work, schedule a 30-min or 1-hour partnership call with me by going to www.EZFundingSolutions.com. You can also get alot more information on our Business Plan Service here https://lnkd.in/ewn5Czsf #BusinessPlan #Consultingservice #SBAloan #SBAAdvice #Notjustabanker #Bankabilityzone

Did you know that in 2023, the industry average for lenders closing loans was 39 days? But did you also know that brokers partnered with UWM closed loans in 2023 on average in just 15 days? That's right, even in a slower market, UWM maintains a standard of excellence. Join a broker shop and offer your borrowers a quicker, easier, and cheaper loan process. Contact me today to learn more! #brokersarebetter #loanofficers