Coleman Library
Coleman Small Business Lending Library
Order a DVD from Coleman's Small Business Lending Library to get
access to in-depth discussions with industry experts answering the questions your colleagues submitted. Get the information straight from the experts and share it with your entire office. Just gather in the conference room, pop in the DVD, and get ready to learn current best practices!
Each DVD is only $99
Order 3 DVDs for $249
Order all the DVDs for only $995 and you will receive all archived Coleman Reports free!
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Coleman Library
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MANAGEMENT
Best Practices in Coping with Distressed CRE Properties
Challenges, Opportunities, and Pitfalls
Refinancing Commercial Real Estate
A Coleman Webinar
Topics discussed:
- Where are we in the CRE Cycle?
- Financing on CRE: CMBS & Banks
- The Distressed CRE Cycle and Recovery Rates
- Loan Workouts - Perspectives from Banks, Borrowers, and Regulators
- The Distressed Market
- The Current Regulatory Environment
- Turning NPLs into Performing Loans
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2010 SBA BDO Compensation Update
Coleman Audio Conference
Topics discussed:
- Challenges BDOs and Department Managers face
- Trends in SBA 7(a) industry Compensation
- Structuring of BDO Commission Matrices
- Difference of compensation between 504 and 7(a) guaranteed lenders
- 2010 Outlook -- What Senior Management wants, and what it avoids
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$5 Million, Are you Ready?
SBA to Increase Loan Limits to 7(a) $5M, 504 $5.5M
Coleman Audio Conference
SBA Stimulus II Provisions:
- Increase 7(a) loan limit from $2 million to $5 million
- Increase the 7(a) loan guaranty to a maximum of $4.5 million (90%)
- Increase the SBA 504 loan limit to $5.5 million
- Allow the 504 loan program to refinance short-term commercial real estate loans
- Extend Stimulus I -- 90% 7(a) guaranty and borrower fee waivers -- through December 2010
- Increase the loan limit on microloans from $35,000 to $50,000
- Allow 7(a) loans to be sold
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USDA B&I Lender 2010 Update
Featured Panelists:
Pandor Hadjy, Assistant Deputy Administrator, USDA Rural Development
Curtis Wiley, Chief of Staff to RBS Administrator, USDA Rural Development
Brian Carlson, President & CEO, Excel National Bank
Bruce Lammers, President & CEO, RidgeStone Financial Services, Inc
Mike Thomas, President & CEO, Thomas USAF Group, LLC
The federal government is expanding its commitment tremendously to support
construction of new, renewable energy facilities (i.e. biodiesel, ethanol). This
audio conference will give you the most current information on participating in
the financing of these facilities.
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Medical Professional Small Business Financing
Coleman Audio Conference
Topics discussed:
- Impact of President Obama's health care proposal upon medical professional's practice profitability
- Usage of government guaranteed lending program: SBA 7(a), SBA 504, USDA B&I
- Impact of Medicare reimbursements on medical professional's profitability
- Geographical considerations: how does the budget crisis in California affect your loan making decision. i.e the state's Medicaid reimbursement plan
- Demographics: the impact of aging baby boomers on medical professional revenues and profitability for the next five years
- Should lenders be financing real estate for medical professionals in 2010?
- What is happening with business valuations
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Hotel Financing 2009 Update
Coleman Audio Conference
Topics discussed:
- What's happening with hotel financing in 2009
- Current state of the credit box
- What's happening with Franchises
- Suggestions for improving, streamlining, or simplifying the process for making these deals
- Feedback on the hotel industry
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Franchise Financing Summer 2010 Update
Coleman Webinar
Topics discussed:
- What's happening with franchise financing
- Underwriting
- 2010 Franchise Credit Box
- How to evaluate franchisor performance
- The new normal - what is different in 2010 vs 2008 for small business lenders
- The void of a national franchise lender - what this means to you
- Why Franchise lending is riskier today
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Restaurant Financing 2009 Update
Coleman Audio Conference
Topics discussed:
- What's happening with restaurant financing
- SBA vs conventional
- Problems in opening restaurants/construction
- Underwriting
- 2010 Restaurant Credit Box
- Location -- type of food
- Equity Injections
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Business Valuation 101
Coleman Webinar
Topics discussed:
- Overview of the business valuation profession and its role in today's SBA loan process. Relationship between and relevance of FIRREA, USPAP, SOP 5010 5(A) and other professional standards
- Discussion of primary valuation approaches and methods, including important cash flow adjustments which should be considered by principals, loan officers, and underwriters alike (not to mention business appraisers)
- Common methods for determining appropriate multiples, discount rates, or capitalization rates.
- Analysis of other pivotal valuation issues such as standard of value, asset sales versus stock sales, mom and pop versus middle market firms, etc.
- What is "investment value" and when is it acceptable or even required, i.e. when and how can the valuation result incorporate synergies and economies of scale associated with a true "synergistic" purchaser?
- How can you correctly calculate "cash flows" for valuation purposes (versus debt repayment purposes) and credibly support your growth forecasts with industry data and other supporting documentation including economic and demographic insights?
- Do different valuation methods generate different types of value estimates and how can you tell if the official (certifies) appraised value is consistent with the pending transaction terms and conditions?
- Suggestions on how to handle goodwill and other intangible assets during the current 'delay period" related to the goodwill financing cap of $250,000
- What types of issues will be covered by a competent business appraiser who is keenly aware of the nuances associated with valuation for SBA loan purposes, i.e. what "red flags" are commonly researched by SBA personnel when reviewing loan applications with goodwill over $250,000?
- How important is the new Change of Ownership Additional Requirements Submission Checklist (Change of Ownership Guidance)? How can the lender easily identify the key components identified in this new worksheet?
- What can be done to maximize the probability of loan approval when the 7(a) Center in Sacramento becomes involved?
- Discussion of appraisal topics such as professional designations, report types, fees, turnaround time, scope of work requirements, etc.
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2009 SBA Secondary Market Virtual Online Forum
Coleman Webinar
Topics Discussed:
- Status of the 7(a) Secondary Market
- Status of the 504 Secondary Market
- TALF terms and conditions for SBA Pools
- Treasure Direct Purchase Program
- FAS 166 (Amendment to FAS 140) and Gain On Sale Accounting
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Coping With FAS 166 -- Compliance for 2010
Coleman Audio Conference
Topics discussed:
SBA 7(a) Lender's Gain on Sale Income to be Reduced by 25% in 2010. FAS 166 will delay secondary market sale gains by 90 days beginning Jan 1st. FAS 166 eliminates sales treatment for loans sold at par, lenders who sell loans for a premium will be required to delay recognizing the gain until the warranty period per SBA's Form 1086 expires. SBA department managers need to be prepared to recognize the loss of a quarter's worth of gain on sale when preparing their 2010 budgets and business plans.
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The New 504 Secondary Market Pool Program
Getting Main Street Access to Capital
Coleman Audio Conference
Topics discussed:
- What is the 504 1st Lien Guaranteed Pool Program?
- The benefit to community, regional, and large bank lenders?
- The pros and cons of forming your own pool or selling the loan to a pooler
- What CDC's can do to facilitate lender participation in the program?
- What level SBA lender do you need be to participate in the program?
- What is the profitability on sale?
- How much of the loan does the lender need to retain when forming a pool?
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Best Practices for Working out a Defaulted SBA Loan
Coleman Webinar
Topics discussed:
- The difference between working out a conventional loan, and an SBA loan.
- Understand the difference in working out different SBA loan types, i.e. PLP, GP, 504, SBAExpress etc.
- Residential real estate liquidation
- Commercial real estate liquidation
- Business asset liquidation
- Enforcing the personal guaranty
- Work out options
- Deferments
- How to get SBA to approve a loan modification
- Settlements
- Forbearance agreements
- Payment plans
- Guarantor Bankruptcies
- Differences between conventional and SBA loan bankruptcies
- What is the Matrix?
- Finally, tips to submit a solid SBA guarantee repurchase package
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How to Turn a Herndon Denial or Repair Into Full Payment
A Coleman Audio Conference
Topics Discussed:
- Why the right approach to policies and procedures matters at the end of the day
- Debunking the mystery and hysteria associated with Herndon -- get the latest facts, not a bunch of fiction
- Regarding the guaranty purchase process
- Why prudent loan servicing is so critical to sustaining success in the SBA business
- Practical and timely tips to "up your game" regarding SBA portfolio
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Order a DVD
1) Call Joseph Coleman at 800-617-1380
2) Email Bob Coleman at bob@colemanpublishing.com
3) Fax the
order form to: 818-790-7859
4) Mail the
order form to: Coleman Publishing, P.O. Box 546, La Cañada, CA 91012
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Bob Coleman
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P.O. Box 546
La Cañada, CA 91012
(818) 790-4591
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