Insights
Lending news and underwriting insight
Practical guidance from our deal desk on SBA programs, credit structure and the commercial capital markets.
SBA
SBA 7(a) vs. 504: which program fits your project
Both programs finance owner-occupied real estate, but the structure, rate type and eligible uses diverge sharply. Here is how we choose between them.
August 26, 2026 · 6 min read
Read article →Underwriting
What lenders actually look for in your DSCR
Global cash flow, add-backs and pro-forma income all move the number. Understanding the calculation before you apply avoids a re-trade at credit committee.
August 12, 2026 · 5 min read
Read article →Commercial Real Estate
Bridge-to-perm strategy in a higher-for-longer rate market
Short-term capital still pencils when the exit is underwritten on day one. How sponsors structure bridge debt they can actually refinance.
July 29, 2026 · 7 min read
Read article →Credit
Building business credit before an SBA application
Personal FICO still drives SBA approvals, but a real business credit file shortens underwriting and improves the terms you are offered.
July 15, 2026 · 4 min read
Read article →Acquisitions
How seller notes change acquisition financing
A properly structured seller note can satisfy part of the equity injection and bridge a valuation gap — if it is on full standby.
June 30, 2026 · 5 min read
Read article →Construction
Draw management: the part of construction lending sponsors underestimate
Budget line items, inspections and lien waivers determine whether draws fund in five days or twenty-five.
June 11, 2026 · 5 min read
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