Services

1. Loan Payments

2. Financials

3. Collateral

4. Reporting

1 | Loan Payments

We provide proactive, month-to-month oversight to ensure every loan in your SBA 504 portfolio remains compliant and performing. Our team tracks borrower payments, identifies delinquencies early, and reaches out to customers with late payments to initiate prompt resolution.

Each month, you receive a clear set of updated reports, including:

Late Payment Report
Late Fee Report
Updated Payment Summary

These reports give you full visibility into portfolio performance and activity.

Early Delinquency Alerts

This ensures:

Timely follow-up
Maintained compliance with SBA standards
Reduced risk of prolonged delinquency

2 | Financials

We collect and review borrower financial information to monitor performance, assess risk, and maintain compliance with SBA 504 requirements. Our process ensures you always have an up-to-date view of portfolio health.

Timely Collection of Required Documents

We track and collect borrower financials on schedule, including:

Annual tax returns and extensions by April 15th
All remaining tax returns by October 15th

Financial Analysis & Risk Assessment

Once financials are received, our team:

Calculates Debt Service Coverage Ratios (DSCR)
Compare financials with previous years
Risk rate the loan

3 | Collateral

We actively oversee all collateral-related requirements to ensure every loan in your SBA 504 portfolio remains properly secured and fully compliant.

Proactive Tracking of Key Collateral Items

Our team monitors essential documents and deadlines, including:

UCC filings
Property tax payments
Insurance coverage

Insurance Coverage

We verify and monitor every required insurance policy, including:

Hazard
Liability
Workers’ compensation
Flood
Life insurance

4 | Reporting

We deliver comprehensive monthly reporting to keep you fully informed, compliant, and prepared. Our reports provide clear visibility into your portfolio’s performance, risk, and overall status.