Banking Customer Base

Small Business Consultants (SBC) is a closely-held bank & business advisory firm headquartered in Sarasota, Florida. Founded in 1990 by Wm. Hughes. The firm specializes in establishing sound and profitable Small Business Administration (SBA), US Department of Agriculture (USDA), and US Department of Housing and Urban Development (HUD) Government Loan Programs for their community banking relationships. Contractual services entail:

• Officer Product Training
• Marketing & Business Development Assistance
• Loan Structuring / Eligibility / Underwriting Assessments
• Application Processing
• Loan Closing & Post-Closing Servicing Requirements 

SBC Assists Their Client Lending Institutions In:

• Increasing Legal & in-House Lending Limits
• Reducing Capital Reserve Requirements
• Enhancing Liquidity 
• Reducing Concentration of Credit Risks 
• Significantly increasing Profitability

Through an established secondary market, the sale of the Guaranteed Portion of Government Loans affords an unparalleled level of Premium & Servicing (Non-Interest) Fee income, resulting in above-average loan yields.  

Commercial Customer Base

Small Business Consultants (SBC) provides unparalleled expertise in structuring loans utilizing Conventional and Government Loan Programs. SBC consults with Commercial Businesses to provide:

• Longer Term Financing; 25-30 Years on Commercial Real Estate; 10-15 years on Machinery & Equipment; 7-10 Years on Working Capital
• Fully Amortized (Non-Balloon) Loan Terms
• Consolidation of Loan Components for Multiple Purposes
• Lower Equity Requirements
• Increased Level of Available Capital:
  • SBA to $5 Million
  • USDA to $7.5 Million (State Office) - $25 Million (National Office)
  • HUD to ???

Qualifying Use of Loan Proceeds include corporate debt restructuring, expansion funding, fixed asset financing, working capital & business acquisitions.

SBC Assists Commercial Real Estate Professionals In:

• PreQualifying Prospective Buyers
• Identifying Loan Programs that Enhance the Marketability of Commercial Listings
• Expediting Closings on Commercial Real Estate Transactions.