SBA / USDA Guaranteed Loans
The Process
At Memphis Capital, we specialize in purchasing the government-guaranteed portions of SBA and USDA loans. This provides lenders with liquidity while offering investors secure, low-risk assets backed by the U.S. government.
1. Loan Identification
We partner with banks, credit unions, and loan originators to identify high-performing whole loans. This includes SBA and USDA loans, with a focus on government-backed portions that offer lower risk and attractive returns.
2. Loan Review & Packaging
We conduct a detailed review of the guaranteed portions and adhere to all SBA and USDA regulations. Our team prepares loan packages for seamless, quick transactions.
3. Investor Alignment
We connect the guaranteed portions of SBA and USDA loans with institutional investors, including banks, and insurance companies, who value the safety of government-backed assets.
4. Market Pricing & Negotiation
Using market data and our industry expertise, we price and negotiate transactions to ensure fair market value. Our focus is to provide sellers with liquidity while delivering strong returns for investors.
5. Efficient Transactions
We handle the entire process—from due diligence to closing—ensuring smooth, compliant transactions. Our team manages all documentation and communication, allowing our clients to focus on their core operations.
6. Ongoing Support
Our relationship doesn’t end at closing. We continue to provide insights and for clients looking to sell additional guaranteed portions of SBA and USDA loans.
John Wade
Product Specialist - SBA
30-year career with the U.S. Small Business Administration (SBA) in Washington, D.C. His service includes over ten years as Division Chief of the Secondary Market for the 7(a) and 504 programs. His policy experience in lending and investor programs includes program delivery of the sale and securitization of government-guaranteed securities, negotiating terms for secured credit facilities, and investment oversight of the SBA Master Reserve Fund.