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Publications   "504 Update" - Newsletter Archive  
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The 504 Loan Process Managing Your CDC
By: Thomas Wallace
The growth in the 504 program's volume over the past four years is a direct reflection of several factors beyond the regulatory strictures that have faced the 7(a) program: a flat yield curve providing low long-term rates, competitive pricing pressures in the market, and the relative expansion of real estate values making low down-payment financing even more than usually attractive.
Posted: 2010-01-21

CDC Licenses and the Liquidation Process
By: Thomas Wallace
In June 2006, a column titled The 504 Loan Process: Managing your CDC described the changes in the 504 world and provided some rough guidelines for 7(a) lenders to use in considering CDC licenses with whom to participate in the 504 program. Most of the guidelines offered involved the making and processing of loans. However, as the sub-prime market has been so incessantly reminding us of late, the extension of credit also involves the repayment of said credit.
Posted: 2010-01-21

Debenture Sale Conditions and Permanent Financing
By: Thomas Wallace
"Sweet are the uses of adversity." Obviously, Shakespeare never had to deal with an "unremedied substantial adverse change" in the context of a 504 loan.
Posted: 2010-01-21

Business Acquisition Financing Through SBA 504 & 7(a) Combinations
By: Thomas Wallace
It’s not uncommon for the price of a small business to exceed $2 million, creating a problem for a lender seeking to use the SBA 7(a) loan to meet a borrower’s needs. Combining the 7(a) with the SBA 504 loan solves this and other potential problems.
Posted: 2007-08-17

CDC Licenses and the Liquidation Process - A Tool to Help Lenders Differentiate CDCs
By: Thomas Wallace
In June 2006, a column titled The 504 Loan Process: Managing your CDC (p. 4) described the changes in the 504 world and provided some rough guidelines for 7(a) lenders to use in considering CDC licenses with whom to participate in the 504 program. Most of the guidelines offered involved the making and processing of loans. However, as the sub-prime market has been so incessantly reminding us of late, the extension of credit also involves the repayment of said credit.
Posted: 2007-08-16

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