josh miller's holtmeyer and monson presentation at lender's meeting 2014
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Josh Miller's presentation at 2014 Lender's Meeting at Arkansas State University in Jonesboro, Arkansas.TRANSCRIPT
ASU Small Business and Technology Development Center
Arkansas State UniversityMay 20, 2014
Presented By : Josh Miller
Reducing Risk While Growing Small Business Loan Portfolio
Introductions
Holtmeyer & Monson
Serving Banks and Small Business borrowers since 1982
ICBA Preferred Service Provider since 2006 400+ lending customers NAGGL Committee Member
Agenda
Starting or Expanding a Successful SBA Lending FunctionUse of a Lender Service ProviderTremendous Profits From SBA Lending
SBA Lending Good Business and Great Profits
Starting or Expanding a Successful
SBA Lending Function
Opportunities through SBA Lending
Make more loans in your local market- compete more effectively
Mitigate bank leverage and concentration issues
Mitigate collateral risk via SBA enhancements
Gain profit potential from non-interest fee income
Lending to Non-Traditional Borrowers
Business acquisitions and financing goodwill Start-up businesses Specialty businesses- e.g. hotels,
restaurants, franchises Term out existing lines
of credit
Benefits to Borrower
Ability to secure financing on terms and conditions otherwise not available
Capitalize fees into loan Extended term permanent financing Maximize cash flow
Use of a Lender Service Provider
Lender Service Provider Benefits
Conforming software-industry specific Current technical information & updates Trade association endorsement Efficiency of processing Streamlined communication between SBA and lender
Holtmeyer & Monson Program Features
Holtmeyer & Monson is a full-service SBA lending consulting
firm that focuses solely on the unique opportunity SBA lending presents for community banks. Complimentary Initial Consultation to determine eligibility and program
structure. Submission of the Completed Loan Application to the SBA for
approval and guarantee issuance. Loan Closing Services with detailed documentation instructions Securitization and Sale of SBA Guarantee generated from the loan
transaction SBA Loan Portfolio Management, including payment processing and
remittance, required reporting, and detailed monthly activity reconciliation and reporting.
Sign up for our e-Newsletter SBA Lending Matterswww.holtandmon.com
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Next Steps With H&M
Thank You!