September e-News
September 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=1101829650124&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 />September 2007<br /></span></font></td>
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<td style="font-family: Arial,Helvetica,sans-serif; font-size: 12pt; color: rgb(0, 0, 0);" styleclass="style_Greeting"><font style="color: rgb(0, 0, 0);" size="2">504 rates are falling! Our Underwriting Tip this month covers just how that's going to benefit you and provide some welcome relief to your borrowers. We also spotlight a thriving Triangle-area recycling operation started by a woman who never planned to be a business owner.<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=mwnucfcab.0.0.6a6fftbab.0&ts=S0284&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">.</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=1101829650124"><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" 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;"><font size="2"><span style="font-weight: bold;"><span style="color: rgb(0, 0, 102); text-decoration: underline;">UNDERWRITING TIP: 504 Rates are Falling Down, Falling Down</span><br /></span><br />With the start of the new federal fiscal year on Oct. 1, there is some welcome relief on debenture fees for all new 504 borrowers.<br /><br />Right now, every 504 debenture contains an "SBA Guarantee Fee" that is paid to the SBA as part of its loan loss reserves. That fee equates to 50 basis points on the debenture amount. In other words, if we're financing $400,000 of a $1,000,000 building, then the borrower's debenture would include a $2,000 charge for the SBA Guarantee Fee.<br /><br />Because the national 504 portfolio has been performing so well, the SBA has determined that it does not need to charge this fee on future 504 debentures.<br /><br />This reduction drops the built-in debenture fees from 2.65% to 2.15%. Since we only do a maximum of 40% of the project financing, this lowers our debenture fees on average to less than 1% of the total financing.<br /><br />We estimate that this fee reduction <span style="font-weight: bold; font-style: italic;">will save borrowers an average of 7-10 basis points over the lifetime of their loans</span> - dropping our already low rates even lower.<br /><br />Two caveats we want to point out:<br /></font><ol><li><font size="2">The fee reduction applies to <span style="font-weight: bold; font-style: italic;">new loans</span> only. So we cannot go back and remove this fee from loans already approved by the SBA.</font></li><li><font size="2">This fee is <span style="font-weight: bold; font-style: italic;">not</span></font><font size="2"> the 50-basis-point lender fee that is calculated on the lender's permanent mortgage. That fees will remain in effect.</font></li></ol><font size="2">If you want to see a sample copy of how this fee will change the typical debenture, e-mail us at
</a> <a href="mailto:504loans@self-help.org" linktype="undefined" target="_blank">504loans@self-help.org</a></font><font size="2"> and we'll send you a sample spreadsheet showing the way this will affect the debenture structure.</font>
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<h1><img border="0" name="ACCOUNT.IMAGE.33" src="http://ih.constantcontact.com/fs056/1101228340253/img/33.jpg?a=1101829650124" align="left"><span style="font-size: 11pt; color: black;"><font size="2"><span style="color: rgb(0, 0, 102); font-weight: bold;">BORROWER SUCCESS STORY: SHIMAR
RECYCLING</span></font></span></h1><h1 style="font-weight: normal;"><font size="2"><span style="font-family: Arial,Helvetica,sans-serif;">In</span></font><font size="2"><span style="font-family: Arial,Helvetica,sans-serif;">
1997 recycling educator Meredith Marley was only in her mid-20s and had no
thoughts of becoming a business owner. She now heads up Shimar Recycling, a thriving non-hazardous waste recycling coordinator. <br /></span></font></h1><h1 style="font-weight: normal;"><font size="2"><span style="font-family: Arial,Helvetica,sans-serif;">In 2000, the company worked
with <span style="font-weight: bold;">SunTrust</span> and Self-Help to take
out an SBA 504 loan that allowed it to move into a larger, more adequate
recycling facility. Shimar ultimately helps its clients, mainly small
businesses, contribute to the development of sustainable communities.</span></font></h1><h1 style="font-weight: normal;"><font size="2"><span style="font-family: Arial,Helvetica,sans-serif;"> </span></a><a href="http://rs6.net/tn.jsp?t=mwnucfcab.0.0.6a6fftbab.0&ts=S0284&p=http%3A%2F%2Fwww.self-help.org%2Fsuccess-stories%2F504_Shimar%2520Recyling_Meredith%2520Marley_Smiling_2007.jpg%2Fview&id=preview" linktype="undefined" target="_blank">For the past 10 years, Shimar Recycling...</a></font></h1>
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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.BLOCK11"><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.BLOCK13"><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.BLOCK3"><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 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;">Lenders Spotlight</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;">6.53%</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 Sept 12th, 2007)</font></font></font></font></div></div>
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<td style="background-color:#FFCC33;color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:10pt;padding-left:10px;padding-right:10px;" bgcolor="#FFCC33" styleclass="style_Accent3 Headline2 ContactPad"><font color="#000000" size="2" face="Arial,Helvetica,sans-serif" style="color:#000000;font-family:Arial,Helvetica,sans-serif;font-size:10pt;"><b><font color="#000066">LENDERS SPOTLIGHT: SELF-HELP AUGUST 2007 SBA 504 APPROVALS</font></b></font></td></tr>
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<p class="MsoNormal"><font color="#000000"><em>Thanks for your partnership with eight strong deals in August!</em></font></p><p class="MsoNormal"><b><u><span style="font-size: 10pt; font-family: Arial;">LENDER<span> </span></span></u></b><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><span> </span><u>PROJECT
COST</u></span></b><br /><span style="font-size: 10pt; font-family: Arial;">Bank of America Winston Salem Latino Food Product Distributor $3,130,000<br />Bank of Commerce Charlotte Auto Repair <span>$585,000</span><br />Bank of Granite Gastonia Pediatric Care Center $1,056,000<br />BB&T Chapel Hill Child Care Center $1,140,000 First Citizens Holly Springs IT Consulting $160,000 First Citizens Charlotte Commercial Printing $325,000 Lumbee Guaranty Lumberton Motel $4,975,000 </span><span style="font-size: 10pt; font-family: Arial;"><span><br /><span style="text-decoration: underline;">Southern Community Clemmons Auto Repair $</span></span><span><span style="text-decoration: underline;">412,000</span> </span><b>TOTAL<span> </span><span> </span>$11,963,000</b></span></p>
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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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