SBA is Sub Prime Dave- don't wish to argue- just clarify.

Banks use the SBA Guaranty on deals they would typically pass on themselves. Why not have the Government act as a safety net? We do a significant amount of bank direct deals without SBA involvement, and many are underwritten more swiftly based on the lenders specific credit model and UW department.

Many SBA Lenders prefer the 350k + space but we work with several that utilize expedited or short form. Many of these aggregators and lenders have been slower since PPP. Some of those will use the 'Express' for revolvers only.

We will get Chase referrals in NY Metro area from relationship banker contacts. We do not work with WF, but have several large footprint banks like Citibank, Citizens, Santander, PNC, People and Other Credit Union/smaller footprint referral partners.

I agree many MCA Brokers are not set up to work on Bank or SBA loan- we are happy to.

richard@bccusa.com