October e-News
October 2007 e-News Brief
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<body topmargin="0" leftmargin="0" rightmargin="0"><!--Copyright (c) 1996-2007 Constant Contact. All rights reserved. Except as permitted under a separate
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contact legal@constantcontact.com.--><div align="center" style="background-color:#ffffff;padding-bottom:10px;"><div align="left" style="font-family:verdana,arial;font-size:8pt;color:#000000;width:600;"><font face="verdana,arial" size="1" color="#000000" style="font-family:verdana,arial;font-size:8pt;color:#000000;">Thank you for subscribing to Self-Help Ventures Fund's e-News Brief. To ensure that you continue to receive email from us, please add 504loans@self-help.org to your address book. <div style="overflow: auto;"> </div><div>You may <a style="color:#0000ff;" shape="rect" href="http://visitor.constantcontact.com/d.jsp?p=un&m=1101228340253&ea=jung.ryu@self-help.org&t=1101852583064&lang=en&reason=T&id=preview.1101228340253&id=preview" target="_blank">unsubscribe</a> if you no longer wish to receive our emails.</div></font></div></div>
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<td style="color:#FFFFFF;font-family:Arial,Helvetica,sans-serif;font-size:12pt;" styleclass="style_TitleText" rowspan="1" colspan="1"><font color="#FFFFFF" size="3" face="Arial,Helvetica,sans-serif" style="color:#FFFFFF;font-family:Arial,Helvetica,sans-serif;font-size:12pt;"><span style="font-weight: bold;">Self-Help Ventures Fund</span><br /><span style="font-weight: bold;">SBA 504 Loan Program e-news Brief</span><span style="font-weight: bold;"><br />October 2007<br /></span></font></td>
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<td style="font-size: 12pt; color: rgb(0, 0, 0); font-family: Arial,Helvetica,sans-serif;" styleclass="style_Greeting"><font style="color: rgb(0, 0, 0);" size="2">On Oct. 15, we were named <span style="font-style: italic;">SBA North Carolina CDC of the Year</span>, so "Thank You," to our </font><font size="2"><a href="http://rs6.net/tn.jsp?t=yejqyfcab.0.0.6a6fftbab.0&ts=S0287&p=http%3A%2F%2Fwww.self-help.org%2Fbusiness-and-nonprofit-loans%2Fsba504loans%2Four-top-lending-partners&id=preview" linktype="undefined" target="_blank">lending partners</a></font><font style="color: rgb(0, 0, 0);" size="2">, who made this honor possible.
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<div>The start of the new federal fiscal year this month brought welcome relief on debenture fees for all new 504 borrowers. This fee reduction will <strong><em>s</em></strong><span style="font-weight: bold; font-style: italic;">ave new borrowers an estimated average of 7-10 basis points over the lifetime of their loans</span>. Since we only do a maximum of 40% of the project financing, this <span style="font-weight: bold; font-style: italic;">drops our debenture fees on average to less than 1% of the total financing</span>.<br /><br />If you want to see a sample copy of how this fee changes the typical debenture, e-mail us at </div></font><font size="2"><a href="mailto:504loans@self-help.org" linktype="undefined" target="_blank">504loans@self-help.org</a></font><font style="color: rgb(0, 0, 0);" size="2"> and we'll send you a spreadsheet showing the way this affects the debenture structure.<br /> <br />We appreciate your ongoing support and look forward to working with you to provide 504 financing in all seven Self-Help locations statewide for growing small business communities.<br /><br />For an in-depth look at the SBA 504 program, please visit the 504 section of Self-Help's website at </font><font size="2"><a href="http://rs6.net/tn.jsp?t=yejqyfcab.0.0.6a6fftbab.0&ts=S0287&p=http%3A%2F%2Fwww.self-help.org%2F504loans&id=preview" linktype="undefined" target="_blank">www.self-help.org/504loans</a></font><font style="color: rgb(0, 0, 0);" size="2">.<br /></font><font style="color: rgb(0, 0, 0);" size="2"><br /></font> <font style="color: rgb(0, 0, 0);" size="2"><font face="Arial,Helvetica,sans-serif"><img height="30" border="0" name="ACCOUNT.IMAGE.21" width="102" contenteditable="false" src="http://ih.constantcontact.com/fs056/1101228340253/img/21.gif?a=1101852583064"><br />Jim Overton
<div>Director of SBA 504 Lending</div></font></font></td></tr></table>
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<td style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:8pt;" styleclass="style_MainText" align="left"><font color="#000000" size="1" face="Arial,Helvetica,sans-serif" style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:8pt;"><font size="2"><span style="font-weight: bold;"><span style="color: rgb(0, 0, 102);">UNDERWRITING TIP: 504 <span style="text-decoration: underline;">NOT</span> JUST FOR CONSTRUCTION</span><br /></span><br />Do you have a borrower who's buying an existing building that needs little or no renovation? If they're ready to move in quickly, that borrower is the perfect candidate for an SBA 504 loan.<br /><br />Many people still believe that 504 loans are only for new construction or for a major overhaul of an existing structure. That's not true at all. Our borrowers can buy existing buildings that involve no construction at all. Even if there's modest upfit involved, we can move them through the approval and closing process swiftly.<br /><br />There are <span style="font-weight: bold;">numerous advantages</span> to the borrower and you for using the 504 program in these situations:<br /></font>
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<li><font size="2"><span style="font-weight: bold;">More certainty about what the final budget will be</span>: We'll be more confident about what end-of-project adjustments to make in the 504 loan package. Even when there's some construction, the budget is usually pretty predictable - and our closing process is smoother and swifter.</font>
</li><li><font size="2"><span style="font-weight: bold;">Less interim exposure for you</span>: In most cases, we can execute the paperwork on our loan at the same time you close your interim financing. As a result, we can fund our 504 loan much more quickly than when we do our closing at the end of a project.</font>
</li><li><font size="2"><span style="font-weight: bold;">Less interest rate uncertainty about the 504 piece of the financing package</span>: This is possible because we can move to funding more quickly.</font>
</li><li><font size="2"><span style="font-weight: bold;">More flexibility on what space your borrower can purchase</span>: On existing buildings, the borrower can lease out up to 49% of the acquired space, as compared to the "60-20-20" standards on new construction. </font></li></ol><font size="2">The attractive rate climate we have now presents the perfect time to offer this opportunity to your borrowers. We can get you a quick SBA approval, move our loan into closing - and ideally fund it within a few months.<br /><br />That's plenty of time to let your borrower lock in at the current extremely low rates. It's a real advantage to be able to suggest to your borrowers that they can get fixed rates as low as <strong>6.54%</strong>.<br /><br />Call your local Self-Help loan officer to help your borrowers take advantage of these rates now.</font></font></td></tr></table><table border="0" width="100%" cellspacing="0" cellpadding="0">
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<h1><span style="font-size: 11pt; color: black;"><font size="2"><span style="font-weight: bold; color: rgb(0, 0, 102);"><img height="93" border="0" name="ACCOUNT.IMAGE.34" width="132" contenteditable="false" src="http://ih.constantcontact.com/fs056/1101228340253/img/34.jpg?a=1101852583064" align="left">BORROWER SUCCESS STORY: THE FILA ACADEMY</span></font></span></h1>
<h1 style="font-weight: normal;"><font size="2"><span style="font-family: Arial,Helvetica,sans-serif;">In 1974 Mary Ann Fila started a salon professionals school in Baltimore where her son, Larry, got his start shining shoes. Now, Larry owns The Fila Academy, which is thriving and set to open up its first school outside Maryland. We're financing the 16,000-sqare-foot school in High Point with an SBA 504 loan in partnership with <span style="font-weight: bold;">Wachovia Small Business Capital</span>. The school will create 25-30 staffing positions and has capacity for 250 students.</span></font></h1>
<h1 style="font-weight: normal;"><font size="2"><span style="font-family: Arial,Helvetica,sans-serif;">"Our philosophy is that when you hit a roadblock in the way of a worthwhile objective you can either look for an escape or a solution. We found our solution in the SBA 504 loan program."</h1>
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<div></a><a href="http://rs6.net/tn.jsp?t=yejqyfcab.0.0.6a6fftbab.0&ts=S0287&p=http%3A%2F%2Fwww.self-help.org%2Fsuccess-stories%2F504_Fila%2520Academy_Groundbreaking%2520Larry%2520-%2520family_for%2520web_2007.jpg%2Fview&id=preview" linktype="undefined" target="_blank">The Filas chose High Point... </a></div></span></font></font></td></tr></table><table border="0" width="100%" cellspacing="0" cellpadding="0">
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<td style="background-color:#000066;color:#FFFFFF;font-family:Arial,Helvetica,sans-serif;font-size:10pt;" bgcolor="#000066" rowspan="1" colspan="1" align="center"><font color="#FFFFFF" size="2" face="Arial,Helvetica,sans-serif" style="color:#FFFFFF;font-family:Arial,Helvetica,sans-serif;font-size:10pt;"><b>In This Issue:</b></font></td>
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<td rowspan="1" colspan="1" align="center"><a style="color:#000000;font-family:Arial,Helvetica,sans-serif;text-decoration:none;font-size:8pt;" shape="rect" href="#LETTER.BLOCK3"><font color="#000000" size="1" face="Arial,Helvetica,sans-serif" style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:8pt;">504 Rates are Falling Down</font></a></td>
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<td rowspan="1" colspan="1" align="center"><a style="color:#000000;font-family:Arial,Helvetica,sans-serif;text-decoration:none;font-size:8pt;" shape="rect" href="#LETTER.BLOCK5"><font color="#000000" size="1" face="Arial,Helvetica,sans-serif" style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:8pt;">Borrower Success Story</font></a></td>
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<td rowspan="1" colspan="1" align="center"><a style="color:#000000;font-family:Arial,Helvetica,sans-serif;text-decoration:none;font-size:8pt;" shape="rect" href="#LETTER.BLOCK9"><font color="#000000" size="1" face="Arial,Helvetica,sans-serif" style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:8pt;">Current 504 Loan Rates</font></a></td>
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<td style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:8pt;" styleclass="style_MainText" rowspan="1" colspan="1"><font color="#000000" size="1" face="Arial,Helvetica,sans-serif" style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:8pt;"><div style="text-align: left;"><div style="text-align: center;"><span style="color: rgb(0, 0, 102); font-family: Arial,Helvetica,sans-serif; font-size: 12pt;" styleclass="style_ArticleHeadline"><font size="2" face="Arial,Helvetica,sans-serif"><strong>CURRENT 504 LOAN RATES</strong></font></span><br /></div><span style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:12pt;" styleclass="style_ArticleHeadline"><font color="#000000" size="3" face="Arial,Helvetica,sans-serif" style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:12pt;"><font color="#000000" size="2" face="Arial,Helvetica,sans-serif"><strong><br /></strong></font></font></span><div style="text-align: center;"><span style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:12pt;" styleclass="style_ArticleHeadline"><font color="#000000" size="3" face="Arial,Helvetica,sans-serif" style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:12pt;"><font color="#000000" size="2" face="Arial,Helvetica,sans-serif"><strong style="text-decoration: underline;">6.54%</strong> <br />fixed for 20 years for real estate projects, including acquisition, new construction and major renovation</font></font></span></div></div><font size="2"><font face="Arial,Helvetica,sans-serif"><span style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:12pt;" styleclass="style_ArticleHeadline"><font color="#000000" size="3" face="Arial,Helvetica,sans-serif" style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:12pt;"><font color="#000000"><font size="2"><strong><br /></strong></font></font></font></span></font></font><div style="text-align: center;"><font size="2"><font face="Arial,Helvetica,sans-serif"><span style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:12pt;" styleclass="style_ArticleHeadline"><font color="#000000" size="3" face="Arial,Helvetica,sans-serif" style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:12pt;"><font color="#000000"><font size="2"><strong style="text-decoration: underline;">6.50%</strong> <br /></font></font></font></span></font></font><div style="text-align: center;"><font size="2"><font face="Arial,Helvetica,sans-serif"><span style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:12pt;" styleclass="style_ArticleHeadline"><font color="#000000" size="3" face="Arial,Helvetica,sans-serif" style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:12pt;"><font color="#000000"><font size="2">fixed for 10 years for heavy-duty equipment and</font> </font><font color="#000000" size="2">machinery</font></font></span></font></font><br /></div></div><div style="text-align: left;"><font size="2"><font face="Arial,Helvetica,sans-serif"><font color="#000000"><br /></font></font></font><div style="text-align: center;"><font size="2"><font face="Arial,Helvetica,sans-serif"><font color="#000000"><font size="1">(as of Oct 12th, 2007)</font></font></font></font></div></div>
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<p color="#000000"><em>We held back most of our loans for this month until October, so that our borrowers could enjoy the reduced fees on new SBA debentures. However, we did approve one very strong loan - to a growing manufacturer in a rural, economically distressed area.</em></p>
<p style="font-size: 10pt; font-family: Arial;"><strong><u>LENDER</u></strong><span> </span><b><span style="font-size: 10pt; font-family: Arial;"><span> </span><u><span> </span>LOCATION<span> </span></u><span> </span><span> </span><u><span> </span><span> </span>INDUSTRY<span> </span><span> </span></u><span> </span><u>PROJECT COST</u></span></b><br /><span style="font-size: 10pt; font-family: Arial;"> BB&T Stoneville Mecahnical Equipment Manufacturing $808,200 <br /></span></p><p style="font-size: 10pt; font-family: Arial;"><br /></p></font></td></tr></table></a><a name="LETTER.BLOCK11" /><table id="content_LETTER.BLOCK10" width="100%" border="0" tabindex="0" hidefocus="true" cellspacing="0" cols="0" cellpadding="0" contenteditable="inherit" datapagesize="0">
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<p><font face="Arial,Helvetica,sans-serif"><font color="#000000" size="2">Call the Self-Help loan officer nearest you to discuss a project or learn more about how you can use an SBA 504 loan to help your small business customers. </font></font></p>
<p><font face="Arial,Helvetica,sans-serif"><font size="2"><font color="#000000"><strong>Charlotte NC Region:</strong> </font></a><a href="mailto:dale.harrold@self-help.org" target="_blank"><font color="#3300ff">Dale Harrold</font></a><font color="#000000"> and </font><a href="mailto:ralph.ansell@self-help.org" target="_blank"><font color="#3300ff">Ralph Ansell</font></a><font color="#000000">, Self-Help, Great Aunt Stella Center, 926 Elizabeth Ave., Suite 302, Charlotte, NC 28204 * 800-394-7428</font></font></font></p>
<p><font face="Arial,Helvetica,sans-serif"><font size="2"><font color="#000000"><strong>Sandhills NC Region:</strong> </font><a href="mailto:allen.cofiori@self-help.org" target="_blank"><font color="#3300ff">Allen Cofiori</font></a><font color="#000000">, Self-Help, 100 Hay St., Suite 300, Fayetteville, NC 28301 * 800-774-7966</font></font></font></p>
<p><font face="Arial,Helvetica,sans-serif"><font size="2"><font color="#000000"><strong>Northeastern NC Region:</strong> </font></font></font><a href="mailto:adelcio.lugo@self-help.org" linktype="undefined" target="_blank">Adelcio Lugo</a><font face="Arial,Helvetica,sans-serif"><font size="2"><font color="#000000">, Self-Help, 301 South Evans St., Suite 306, Greenville, NC 27858 * 800-893-9669</font></font></font></p>
<div><font face="Arial,Helvetica,sans-serif"><font size="2"><font color="#000000"><strong>Southeastern NC Region:</strong> </font><a href="mailto:louis.rogers@self-help.org" target="_blank"><font color="#3300ff">Louis Rogers</font></a><font color="#000000">, Self-Help, 272 N. Front St., Suite 300, Wilmington, NC 28401 * 877-559-4284</font></font></font></div>
<p><font face="Arial,Helvetica,sans-serif"><font size="2"><font color="#000000"><strong>Triad NC Region:</strong> </font><a href="mailto:anna.tefft@self-help.org" target="_blank"><font color="#3300ff">Anna Tefft</font></a><font color="#000000">, Self-Help, 122 N. Elm St., Suite 1015, Greensboro, NC 27401 and 500 West Fourth Street, Suite 200, Winston-Salem, NC 27101 * 800-269-7426</font></font></font></p>
<div><font face="Arial,Helvetica,sans-serif"><font size="2"><font color="#000000"><strong>Central NC Region:</strong> </font><a href="mailto:joe.osowski@self-help.org" target="_blank"><font color="#3300ff">Joe Osowski</font></a><font color="#000000">, Self-Help, 301 W. <font color="#000000">Main</font> St., P.O. Box 3619, Durham, NC 27702 * 800-476-7428</font></font></font></div>
<p><font face="Arial,Helvetica,sans-serif"><font size="2"><font color="#000000"><strong>Western NC Region:</strong> </font><a href="mailto:tom.byers@self-help.org" target="_blank"><font color="#3300ff">Tom Byers</font></a><font color="#000000">, Self-Help, 34 Wall St., Suite 704, Asheville, NC 28801 * 800-229-7428</font></font></font></p>
<p><font face="Arial,Helvetica,sans-serif"><font size="2"><font color="#000000">Contact our <strong>SBA 504 Program Director</strong>, </font><a href="mailto:jimo@self-help.org" target="_blank"><font color="#3300ff">Jim Overton</font></a><font color="#000000">, at 919-956-4473.</font></font></font></p>
<p><font face="Arial,Helvetica,sans-serif"><font size="2"><font color="#000000">Or contact our <strong>SBA 504 Marketing Officer</strong>, </font><a href="mailto:jamie.miyares@self-help.org" target="_blank"><font color="#3300ff">Jamie Miyares</font></a><font color="#000000">, at 919-956-4670. </font></font></font></p></font></td></tr></table>
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<div style="font-family:verdana,arial;font-size:8pt;color:#000000;background-color:#ffffff;padding-top: 20px;" align="left" id="LETTER.PHYSICALADDRESS"><font style="font-family:verdana,arial;font-size:8pt;color:#000000;" color="#000000" size="1" face="verdana,arial">Self-Help Ventures Fund | 301 West Main St. | P.O. Box 3619 | Durham | NC | 27701</font></div>
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