CH Capital Partners, LLC
Loan Process
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ow do we communicate with clients, banks, FMPP
Most of the time, community bank were never suppose to handle clients withmultiple entities.Big banks who were used to multiple entities with MBA·s usually unwritten loansthrough systems like Moody·s, S&P Financial Models, or CRE Calculators by Mortgage Banking Association After the great near depression of 2008 and 2009, many wealthy borrowers arenow looking for loans, however community banks are not geared to take on theclients. FDIC is encouraging community banks to lend to clients and borrowers with better credit profile, but due to the regulatory environment, level of theunderwriting team, and lack of capital (for labor and lending both) community banks are in a near death situation.
Current Environment
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ow many financial institution does it take for SBA 504 loan to get done?
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ow do we communicate to one another, when we are using different technology, with different experienced people, different sets of ego, and different way of communicating?Currently everyone uses emails to communicate, but the problems are humans were never suppose to calculate that much information, but now with mobilephones, twitter, Facebook, Email, and other instruments to communicate, ratherthen working faster with collaborations, we are working longer trying to figure out what each other is saying. That is the reason why borrowers, clients never want todo a SBA 504 loan. The reason why banks do not want to do the SBA 504 FMPL loan is because of confusion. Confusion in the program, but further because of labor cost. Toeducate the new underwriters to collaborate with various different underwriting systems and being able to communicate the
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