Why SBA and USDA Lending

In FY 2022, the SBA approved more than 56,900 loans in the 7(a) and 504 loan programs. This funding provided more than $34 billion to small businesses who were unable to access other credit, supporting job creation and entrepreneurial growth across the country. USDA funded $1.25 billion in Business & Industry (B&I) loans in FY 2022.

Consider the benefits for your bank.

Holtmeyer & Monson makes it a simple process for bankers to reap the advantages that government-guaranteed SBA and USDA lending offers — to their business customers, their community and their own institution. These benefits include:

  • Non-interest Fee Income. Lenders gain significant revenue from servicing fees, while the government guarantees help to mitigate risk and capital leverage issues.
  • Secondary Market Sales. Once a loan is closed, you can quickly and easily sell the guaranteed portion in the secondary market, earning a 8% to 10% premium on the sale.
  • Competitive Advantage. Building relationships with community entrepreneurs will help you compete more effectively and enhance brand loyalty for your bank.
  • Greater Profitability. On average, small business relationships prove to be 250% more profitable than consumer banking.
  • Product Penetration. Lending relationships can add significant growth opportunities, often leading to increases in deposits and utilization of other product offerings.

Why Our Clients Recommend H&M

"Holtmeyer & Monson has been a tremendous source of non-interest income for our bank, with premiums in excess of 10% on most transactions."

Kim Light, CEO & President
Heritage Bank of the Ozarks

"Over the years we have established a wonderful working relationship with the folks at Holtmeyer & Monson. They are a great partner."

Harry L. Weetenkamp, Jr., Senior Vice President/Chief Lending Officer
FCB Bank, a division of ACNB

It's easy to get started.