Josh Miller's Holtmeyer and Monson Presentation at Lender's Meeting 2014

ASU Small Business and Technology Development Center

Arkansas State UniversityMay 20, 2014

Presented By : Josh Miller

Reducing Risk While Growing Small Business Loan Portfolio

Introductions

Holtmeyer & Monson

Serving Banks and Small Business borrowers since 1982

ICBA Preferred Service Provider since 2006 400+ lending customers NAGGL Committee Member

Agenda

Starting or Expanding a Successful SBA Lending FunctionUse of a Lender Service ProviderTremendous Profits From SBA Lending

SBA Lending Good Business and Great Profits

Starting or Expanding a Successful

SBA Lending Function

Opportunities through SBA Lending

Make more loans in your local market- compete more effectively

Mitigate bank leverage and concentration issues

Mitigate collateral risk via SBA enhancements

Gain profit potential from non-interest fee income

Lending to Non-Traditional Borrowers

Business acquisitions and financing goodwill Start-up businesses Specialty businesses- e.g. hotels,

restaurants, franchises Term out existing lines

of credit

Benefits to Borrower

Ability to secure financing on terms and conditions otherwise not available

Capitalize fees into loan Extended term permanent financing Maximize cash flow

Use of a Lender Service Provider

Lender Service Provider Benefits

Conforming software-industry specific Current technical information & updates Trade association endorsement Efficiency of processing Streamlined communication between SBA and lender

Holtmeyer & Monson Program Features

Holtmeyer & Monson is a full-service SBA lending consulting

firm that focuses solely on the unique opportunity SBA lending presents for community banks. Complimentary Initial Consultation to determine eligibility and program

structure. Submission of the Completed Loan Application to the SBA for

approval and guarantee issuance. Loan Closing Services with detailed documentation instructions Securitization and Sale of SBA Guarantee generated from the loan

transaction SBA Loan Portfolio Management, including payment processing and

remittance, required reporting, and detailed monthly activity reconciliation and reporting.

Calculate Your Potential Yield

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Next Steps With H&M

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