Municipalities
Customized Bond Portfolios: Memphis Capital can help municipalities manage and structure bond portfolios to meet infrastructure funding needs, providing steady income and matching their liability timelines.
Pension Fund Management: Many municipalities manage pension funds for public employees. Memphis Capital could assist in building conservative, government-backed investment portfolios to ensure the pension fund remains solvent and grows over time.
Public Revenue Investment Strategies: Municipalities often look for ways to invest excess revenue to generate returns without taking undue risk. Memphis Capital’s expertise in fixed-income securities can help municipalities invest responsibly while maintaining liquidity for essential public services.
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Trading government-guaranteed pools can be a strong investment choice for municipalities. Here's why:
SBA (Small Business Administration) pools are backed by the U.S. government, which makes them inherently low-risk. Municipalities, which prioritize the preservation of public funds, benefit from these securities because the government guarantees repayment. This provides security and stability, which is crucial for public sector financial management.
These pools typically offer variable interest rates, providing municipalities with a reliable income stream that can adjust to changing market conditions. This is particularly attractive for municipalities looking for consistent, predictable returns to fund public projects, manage cash flow, or cover operational costs. By investing in these pools through Memphis Capital, municipalities can maintain a steady source of revenue without exposing themselves to significant market volatility.
Government-guaranteed SBA pools portions offer a diversification option for municipalities that already invest in traditional fixed-income assets, such as municipal bonds or treasuries. Adding SBA and USDA loan pools to their portfolio spreads risk across different asset classes and ensures financial stability. This diversification helps municipalities maintain balanced financial health while pursuing growth opportunities.
Support for Local Development Economic
Investing in SBA pools indirectly supports small businesses and rural development, which are often key areas of focus for municipalities. By investing in these loan pools, municipalities can align their financial goals with their community development objectives. SBA pools help foster small business growth.
Municipalities often need access to funds quickly, whether for emergency services, infrastructure repairs, or other public needs. Since Memphis Capital actively trades these pools , they can provide municipalities with the flexibility to adjust their portfolios and convert assets into cash when necessary. This liquidity is crucial for municipalities to manage both planned and unforeseen expenses.
Memphis Capital works with credit unions as a trusted partner, offering long-term strategic guidance tailored to their unique business models. By aligning investment opportunities with the credit union's mission of serving its members, Memphis Capital helps credit unions improve financial performance while maintaining the high standards of service and integrity that credit unions are known.
Many municipalities have strict investment policies that emphasize safety, liquidity, and return on investment. SBA due to their government backing, fit well within these guidelines. These investments offer municipalities the ability to meet their policy requirements while ensuring responsible management of taxpayer dollars.
By partnering with Memphis Capital to invest in government-guaranteed SBA and USDA pools, municipalities gain access to a low-risk, stable investment option that offers steady returns, supports local economic development, and provides liquidity when needed. The inherent safety of these government-backed security, combined with their alignment with municipal financial priorities, makes them an attractive addition to a municipality’s investment portfolio.​
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This approach helps municipalities manage public funds responsibly while ensuring long-term financial security and growth.
