1. “ Show Me The Money” - Capital Access
Presented by Harris, N.A.
Mark Papoccia
(815)

2. Harris’ SBA Products and Benefits of them for you
Overview
Harris’ SBA Products and Benefits of them for you
Tips on how to be Successful with Financial Institutions

3. Small Business Owner’s Benefits
SBA 7A Program
Small Business Owner’s Benefits
Obtain reasonable financing not available elsewhere
Longer maturities available…lower payments and less cash flow out
Limits on financing costs…conserve cash flow
Fast turnaround from SBA...most decisions within 36 hrs.
Bank’s Benefits
Additional guarantor support
Provides more flexibility than conventional lending
Fast turnaround from SBA…most decisions within 36 hrs.

4. Small Business Owner’s Benefits Bank’s Benefits
SBA Express Program
Small Business Owner’s Benefits
Obtain reasonable financing not elsewhere available
Minimal paperwork for borrower
Bank’s Benefits
Additional guarantor
Provides more flexibility than conventional lending
Potentially fewer monitoring requirements
(i.e. maybe less financial reporting)
Internal approval sufficient…no additional approvals needed from SBA
Minimal additional paperwork for lender…internal bank documents used

5. SBA 504 Loan Program Small Business Owner Benefits Bank’s Benefits
Lower down payment than conventional financing…borrower can conserve working capital
Conventional financing is a percentage of appraised value…504 is a percentage of total project costs
All Certified Development Company (CDC) fees are financed in the debenture…lower total project fees
Attractive long-term, fixed-rate financing
Bank’s Benefits
Reduced risk can provide 90% financing with 50% Loan To Value (LTV)
No SBA paperwork for lender…completed by participating CDC

6. SBA Export Working Capital Program
Small Business Owner Benefits
Obtain reasonable financing not available elsewhere
Transaction financing available for a single order
Low guarantee fee
Pre-shipment financing available
Bank’s Benefits
Additional guarantor support
Higher guarantee than other SBA programs…up 90% guarantee
Provides more flexibility than conventional lending

7. Small Business Owners Benefits
SBA CAPLines Program
Small Business Owners Benefits
Obtain reasonable credit not available elsewhere
Flexible structuring to accommodate cash cycle
Bank’s Benefits
Additional guarantor for higher risk loans
Provides more flexibility than conventional lending
Fast turnaround from SBA…most decisions within 36 hrs.

8. SBA Patriot Express Program
Small Business Owners Benefits
Obtain reasonable financing not elsewhere available
Minimal paperwork for borrower
Bank’s Benefits
Additional guarantor support
Provides more flexibility than conventional lending
Potentially fewer monitoring requirements
(i.e. less financial reporting)
Internal approval sufficient…no additional approvals needed from SBA
Minimal additional paperwork for lender…internal bank documents used

9. Tips on how to be Successful with Financial Institutions
Communication
Information
Make sure they understand
Value

10. Communication
Important in any relationship

11. Information
What
When
Why

12. Make Sure They Understand
Your Business
Your Industry
Your Challenges
Your Risks
Your Goals

13. Ask Yourself what Value the Financial Institution Delivers
Advice
Ideas
Challenges
Industry Tactics
Risk
Cash Flow
Cost Savings
Revenue
Efficiency
Reaching Your Goals
Personal
Employees
Business

14. SBA Loan Products and Value?!
Conclusion
SBA Loan Products and Value?!