eBulletin Archives

Business Lending Community ‘Must Reads’

We provide an ongoing stream of articles on issues concerning the business lending community.

FROM ALL OF US @ JRB … HAPPY NEW YEAR!!

December 27th, 2019|

Happy New Year!   “Write it on you heart that every day is the best day in the year.” −Ralph Waldo Emerson   It’s almost 2020! Lights are shining on Main Street. Let’s rejoice in a great year for SBA [...]

HAPPY THANKSGIVING! FROM ALL OF US @ JRB!!

November 25th, 2019|

On Thanksgiving Day …  “Be present in all things, and thankful for all things” Maya Angelou Thanksgiving is almost here. You know Thanksgiving. It’s in that parade of holidays on the heels of Halloween. Yet Thanksgiving is special. We gather. [...]

FROM RICHARD @ JRB … AFTER NADCO: PLAYING THE WAITING GAME

October 23rd, 2019|

There’s always a lot of fun and camaraderie at NADCO’s Annual meeting. This year was no exception. And this year we introduced JRB team member Senior Associate Lori McCausland to NADCO. She's a long-time JRB team member who is developing [...]

NEW YEAR. GREAT PLANS … OR SO WE SAY!

January 9th, 2019|

New Year, Great Plans! I don’t know if you’re like me. I start off each year with great plans and resolutions and by the end January I’m holding tight to one or two because I’ve already broken the rest. Setting [...]

FROM ALL OF US @ JRB … HAPPY THANKSGIVING!

November 19th, 2018|

On Thanksgiving Day … We face many questions. Baste or brine? New recipe or tried and true? It’s halftime. Carve the turkey? Of course there’s a lot more to it. All across America we pause to celebrate our achievements, reflect [...]

JRB eAlert! IT’S SMALL BIZ SATURDAY NOVEMBER 24th!

November 14th, 2018|

Tell your friends … Reach out to your local small businesses!! “Do what you do well so that they will see it and want to bring their friends.” −Walt Disney  Think Big. Shop Small.® Tell Your Friends. It Works. Folks [...]

JRB e ALERT! SBA LENDERS: NEW SBA 7 (a) FEES EFFECTIVE 10/1/18

August 22nd, 2018|

Quick reminder: Concurrent with SBA’s new fiscal year, SBA Information Notice 5000-180010 announces the 7(a) loan fee schedule, effective October 1, 2018 for Fiscal Year 2019. In a change from the past few years, there is no separate Notice regarding [...]

SBA UPDATES THE LENDER PORTAL!

July 25th, 2018|

SBA Information Notice 5000-180007 effective June 28, 2018, announces key additions to the Office of Credit Risk Management’s (OCRM’s) Lender Portal for 7(a) lenders and CDCs.  The Portal’s enhancements and updates will increase an SBA lender’s ability to proactively monitor [...]

MARIJUANA REVISITED – SBA NOT BLOWING SMOKE!

July 11th, 2018|

Hot-Button Issue Getting Hotter! SBA means business. Back in March we alerted you to SBA’s first-time language addressing retail marijuana-businesses. See SOP 50 10 5 (J) (1/1/18). Subpart B, Chapter 2, V. Eligible Use of Loan Proceeds, F, 1, g, [...]

HAPPY 4TH OF JULY!

July 4th, 2018|

From Sea to Shining Sea … Happy 4th From All of Us at JRB!!

WESTWARD HO, JRB! SEE YOU AT AMERICA WEST!!

June 13th, 2018|

We’re heading out to join SBA lenders from the Western states at the America West Small Business Lenders Conference, June 20-22 in Costa Mesa, California. This year’s conference is jam packed with educational sessions for SBA lenders of all sizes [...]

CAN THE APPLICANT ACCESS CREDIT ELSEWHERE? MAYBE.

May 31st, 2018|

GOT A POSSIBLE ISSUE? THINK IT THROUGH! Credit Elsewhere. Is there an SBA issue debated more? All the talk – and the ensuing scrutiny – by Purchase Centers, OCRM, OIG and Congress resulted in changes detailed in SBA Policy Notice [...]

SBA’S NEW LOOK: GET YOUR RED-HOT NEW LOGOS NOW!

May 18th, 2018|

SBA Lenders: SBA’s new logo is ready for your use on window decals, window clings and on your website. Get decals and window clings from your local SBA district office. Download a digital decal for your website from the SBA [...]

SUBMITTING 1502 REPORTS: IT’S ALL ABOUT THE DETAILS!

April 20th, 2018|

SUBMITTING 1502 REPORTS: IT’S ALL ABOUT THE DETAILS! INCORRECT FILING CAN AFFECT YOUR PARRiS SCORE!!  As with all SBA processes, accurate 1502 reporting is critical to maintaining your portfolio’s performance and a positive PARRiS score. And as with all processes, [...]

CREDIT ELSEWHERE TEST ELIMINATED FOR LESS THAN 20% OWNERSHIP

April 11th, 2018|

CREDIT ELSEWHERE TEST ELIMINATED FOR LESS THAN 20% OWNERSHIP SBA Policy Notice 5000-17057 effective 4/3/2018 for 7(a) and 504 loans, eliminates the Credit Elsewhere Test for those owning less than 20% of a business applicant and provides guidance on other [...]

SBA ANNOUNCES 25-YEAR FULLY AMORTIZED 504 LOAN

April 11th, 2018|

SBA ANNOUNCES 25-YEAR FULLY AMORTIZED 504 LOAN Effective 4/4/2018 and posted on the Federal Register on 4/4/2018, SBA has made available a 504 loan with a 25-year maturity in addition to the10- and 20-year 504 loans already available.  

SBA SMALL BUSINESS WEEK APRIL 29-MAY 5, 2018

April 11th, 2018|

SBA SMALL BUSINESS WEEK APRIL 29-MAY 5, 2018 SBA’s Small Business Week kicks off in Washington D.C. with award ceremonies on April 29 followed by a nationwide bus road show and local events across the country. Now’s the time to [...]

REBECCA MENDOZA MARKS 10 YEARS WITH JRB!

April 11th, 2018|

REBECCA MENDOZA MARKS 10 YEARS WITH JRB! REFLECTIONS ON A DECADE OF TRAVELING THE SBA ROAD WITH GREAT SBA LENDERS ACROSS THE COUNTRY … Ten years in one place in our industry doesn’t happen often these days. I am happy [...]

TIME FOR SPRING CLEANING YOUR SBA PORTFOLIO!!

April 6th, 2018|

SPRING HAS SPRUNG! REFRESH. REFLECT. RENEW. TIME FOR SPRING CLEANING YOUR SBA PORTFOLIO!! I love spring. For me spring has always meant a time for renewal, for cleaning the cobwebs from brain, the dust from my files – and the [...]

BACK-TO-BACK SBA LENDER CONFERENCES IN MARCH!!

March 9th, 2018|

JRB eAlert! WE’RE HITTIN’ THE QUALITY CIRCLE CIRCUIT! Georgia Lenders Quality Circle SE/South Eastern Small Business Lenders Conference ∙ 3/7-3/9 Western Pennsylvania Quality Circle Conference ∙ 3/14-3/16 From the hills of Asheville, North Carolina to the snowy slopes of Western [...]

DEFINING ‘ASSOCIATE’ ACCORDING TO SBA

March 9th, 2018|

FROM RICHARD JEFFREY @ JRB … In a recent eBulletin we took a look at a case study involving two “associates” and what they went through to make SBA construction and 504 loans work for their project. Rough waters all [...]

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