Business Solutions

Lending

Our expertise in SBA loans means you benefit from a more efficient process. There are five key steps in the process:

Pre-qualification - By getting to know you and your business, your Excel banker will help you define the loan structure, including the amount, amortization, interest rate and collateral.

Application - Once you're pre-qualified, your Excel banker will take you through the application package. They will always be available to answer questions, make suggestions, and help you in the process.

Conditional Loan Commitment - When we receive your completed application package, we can proceed with the final approval process and issue a Conditional Loan Commitment, outlining any additional information or steps needed prior to getting the loan.

Due Diligence - In this phase, our underwriters review all of the documentation related to your loan. We want to make sure that this loan is smart for you and your company.

Closing - After we have conducted our due diligence and obtained credit approval, we're ready to close. This happens within 2-5 days of completing due diligence.