Getting a Loan

B & I Consulting Group - Getting A Loan

GETTING A LOAN

USDA B&I LENDING SERVICES

With Start to Finish Expertise

We have developed direct working relationships with lenders seeking USDA B&I, SBA and Conventional loans. We save time and effort by quickly determining the one that can meet the particular needs of your loan request, at the best terms. The lenders we work with accelerate productivity getting quality loans matching their credit box.

STRUCTURING YOUR LOAN TO SUCCEED

We will thoroughly analyze your financing request and particular situation to determine its viability and present financing options. We customize your presentation and your loan structure to be well-received in today's rapidly evolving financial marketplace. We also provide unique expertise to present your loan in such a way that it meets the separate needs of both the lender and the USDA who have separate loan and guarantee policies.

MANAGING LENDER AND USDA NEEDS

Many issues can arise and must be properly addressed during the course of a loan. We assist through all stages from pre-underwriting, loan submission, loan approval process, getting your loan commitment to read correctly and processing the loan through documentation, title and closing issues to funding. With a USDA B&I and SBA loan, this occurs for both the lender, USDA and CDC/SBA. We interact with the USDA (and or SBA/CDC) to get your loan qualified, and follow through to get your loan guarantee approved. Post-funding, we work with the USDA to make sure the lender obtains the guarantee, or debenture, to complete your loan. We manage your loan structure as the loan evolves to keep it on track and ensure a solid finish. Or in some cases we assist you with multiple loan requests (combine SBA 7a or 504, Conventional and or Farm Service Agency loans) to meet your needs.

COORDINATING YOUR LOAN START-TO-FINISH

USDA loan processing is different and unique which can make it a recipe for starts and stops and uncertain outcomes if not handled properly. To get consistent results for our clients we transformed a complicated process of coordinating two separate loan processes (and loan policies)into a streamlined start to finish process. Our loan system helps us to identify and address issues that can stall or derail your loan right up front, and keep all three parties: lender, borrower and USDA coordinated in every step. This enables us to show extraordinary results for our clients.

GETTING RESULTS

Our lending expertise, USDA program mastery and B&I loan packaging and processing system rapidly made us a leading source for USDA B&I financing. As a result we have a consistent track record of achieving success for our clients in a complicated loan product with a 90% submission to funding ratio. B&I Consulting Group is uniquely positioned to offer exceptional services to meet your rural financing needs.

If you are seeking commercial property and related business financing from $1,000,000 to $10,000,000 we would like to speak with you.

OUR RESULTS

“Steve, you are the man, a consumate professional. Thank you.”

Richard Posey, Business Owner

Alan Demming, Controller

“We were faced with a 30 day funding deadline: Steve and his group worked tirelessly to make it happen, phenomenal.”

JD Desai, Business Owner

“Before we met Steve Alkana the process of getting a USDA B&I loan was very frustrating. Steve took charge of the details getting everyone on the same page. We wish we’d found Steve and his group first.”

Dave Johnson, Business Owner

“We have had good bankers, but none approached this level of dedication. Our combination of USDA and SBA loans were complicated on several levels: without Steve’s expertise they never would have happened. Thanks Steve!”

Jack Botkin, Business Owner

OUR REPUTATION

“Steve gets consistent results by having a deep understanding of the program, being an expert at fitting the business structure and needs into the lending and loan guarantee requirements, digging into the details of each loan, communicating them, and following through until the loan is closed.”

Dan Streng, USDA B&I Officer

“Many in our group have benefited from Steve's expertise and commitment.”

Alkesh R. 'Al' Patel CHO ", AAHOA Secretary and Board Member

(Asian American Hotel Owners Association)

“Steve has received our outstanding lender award. He finds a way to make it work.”

John Safstrom, Senior Loan Officer
Cascades West Financial Services CDC
(Oregon’s largest SBA 504 Certified Development Company)

"As a major firm, lenders pursued us. But we sought out proven expertise. We did four USDA B&I loans through Steve and his group benefitting from his unique knowledge and sound guidance. Given the option, we will never attempt to obtain USDA B&I financing without Steve on our team."

Eugene Tish, General Counsel