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<title>Self Help Ventures Fund: SBA 504 Loan Program e-News Brief</title>
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<a href="http://www.self-help.org\504loans">
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<td colspan="1" rowspan="1" style="TEXT-ALIGN: right;PADDING-RIGHT: 5px;"><font color="#003366" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;FONT-WEIGHT: bold;COLOR: #003366;">April 2006</font></td>
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<td align="center" bgcolor="#FFFFFF" colspan="1" rowspan="1" style="BACKGROUND-COLOR: #FFFFFF;" valign="top"><font color="#003366" face="Georgia,'Times New Roman',Times,serif" size="3" style="FONT-FAMILY: Georgia,'Times New Roman',Times,serif;FONT-SIZE: 13pt;COLOR: #003366;">In This Issue:</font></td>
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<p><a color="#003366" href="#column" shape="rect" style="COLOR: #003366;FONT-WEIGHT: bold;">Congratulations to Sepi Asefnia, N.C.'s Small Business Person of the Year</a></p>
<p><a color="#003366" href="#article1.bg1" shape="rect" style="COLOR: #003366;FONT-WEIGHT: bold;">New 20-Year Rate</a></p>
<p><a color="#003366" href="#article1.bg2" shape="rect" style="COLOR: #003366;FONT-WEIGHT: bold;">504 Approval Time Frames</a></p>
<p><a color="#003366" href="#article2.bg1" shape="rect" style="COLOR: #003366;FONT-WEIGHT: bold;">Contact Us</a></p>
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<div><br/>Congratulations to Sepi Asefnia, N.C.'s Small Business Person of the Year</div>
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<p>
We are pleased that, for the second year in a row,
one of your 504 loan customers is the North Carolina
Small Business Person of the Year. We quote from the
SBA's write-up on her business:
</p>
<p>
<i>Born in Tehran, Iran, she was the youngest of
three children. While women still fought for equality in
Iran, Sepi's mother told her, "Lead the life of your
choice." Sepi's choice was to become an
entrepreneur, but the road she took to achieve that
goal was long and hard.</i>
</p>
<p>
<i>At the age of 15 Sepi's family was divided when
her parents sent her, her brother and her sister to
the United States to pursue their dreams and to
attend college. Sepi and her siblings left Iran with the
intention of returning home after graduation. But the
Islamic Republic Revolution and the death of Sepi's
father changed everything. Sepi and her siblings were
no longer allowed to return to Iran to visit their
mother.</i>
</p>
<p>
<i>Sepi graduated from North Carolina State
University and worked for the NC Department of
Transportation, then put in four years as a highway
department manager with a private engineering firm.
However, Sepi had her own vision of the way an
engineering firm should be run. To make that vision a
reality, she established SEPI Engineering Group in
2001 with three employees. She currently employs
48. </i><a href="http://rs6.net/tn.jsp?t=7cquiubab.0.0.6a6fftbab.0&ts=S0169&p=http%3A%2F%2Fwww.sba.gov%2Fnc%2Fnc_2006ncsbpoy.html">
To read more...</a>
</p>
<p>
Ms. Asefnia is currently renovating an existing
building she has purchased in Raleigh. The financing is
occurring through an SBA 504 loan done with
Crescent State Bank.
</p>
<p>
We're delighted to support the business of such a
talented and unique individual - and the project
shows just how effective SBA 504 financing can be in
supporting the growth of North Carolina's most
dynamic small businesses.
</p>
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<a color="#003366" href="http://rs6.net/tn.jsp?t=7cquiubab.0.0.6a6fftbab.0&ts=S0169&p=http%3A%2F%2Fwww.sba.gov%2F" shape="rect" style="COLOR: #003366;FONT-WEIGHT: bold;">Small Business Administration</a>
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<a color="#003366" href="http://rs6.net/tn.jsp?t=7cquiubab.0.0.6a6fftbab.0&ts=S0169&p=http%3A%2F%2Fwww.sba.gov%2Fnc%2F" shape="rect" style="COLOR: #003366;FONT-WEIGHT: bold;">Small Business Administration of NC</a>
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<font color="#000000" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;COLOR: #000000;">
<font color="#000000" face="Verdana, Geneva, Arial, Helvetica, sans-serif" size="2" style="FONT-FAMILY: Verdana, Geneva, Arial, Helvetica, sans-serif;FONT-SIZE: 10pt;FONT-WEIGHT: bold;COLOR: #000000;"></font>
<p>
<font color="#000000" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="font-family:Verdana,Geneva,Arial,Helvetica,sans-serif;font-size:10pt;font-style:normal;font-weight:normal;color:#000000;">This is Self-Help's electronic news brief for
lenders. Each month we deliver current SBA 504 loan
rates and share information that can benefit you and
your small business customers.</font>
</p>
<p>
<font color="#000000" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="font-family:Verdana,Geneva,Arial,Helvetica,sans-serif;font-size:10pt;font-style:normal;font-weight:normal;color:#000000;">As always, we thank you for your support – and look
forward to working with you to provide 504 financing
for North Carolina's growing small businesses.</font>
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<p>
Sincerely,
<br />
<img
src="http://origin.ih.constantcontact.com/fs056/1101
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</p>
<p>
Jim Overton<br>
Director of SBA 504 Lending, Self-Help Ventures Fund
</p>
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<p>
<b>6.82% </b>fixed for 20 years for real estate
projects, including acquisition, new construction and
major renovation.
</p>
<p>
Note: The 10-year debentures for equipment and
machinery are priced every other month. The next
10-year loan rate update will be next month. The
March funding rate for 10-year loans was <b>6.97%
</b>.
</p>
<p>
(Rate as of April 11, 2006)
</p>
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<td colspan="2" rowspan="1" valign="top"><font color="#003366" face="Verdana,Geneva,Arial,Helvetica,sans-serif" size="2" style="FONT-FAMILY: Verdana,Geneva,Arial,Helvetica,sans-serif;FONT-SIZE: 10pt;FONT-WEIGHT: bold;COLOR: #003366;"><li style="MARGIN-LEFT: 12pt;TEXT-INDENT: -12pt;">504 Approval Time Frames</li></font></td>
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<p>
<b>HOW FAST CAN SELF-HELP GET A 504 APPROVED
BY THE SBA?</b>
</p>
<p>
On one of the first projects I ever worked on, a
borrower asked me, "So, will I be ready to retire
before you can tell my oan is approved?"
</p>
<p>
Despite our efforts to dispute the myth, we find that
most borrowers and lenders still think the 504 loan
approval process is slow, tedious and bureaucratic.
</p>
<p>
<u>We beg to differ.</u><b> In fact, we once had a
loan approved by the SBA seven days after the first
call we received from the lender. </b> (OK, we don't
promise that kind of speed across the
board – but we can be fast.)
</p>
<p>
With its new centralized processing facility, the SBA
has a goal of approving loans within 6 business days –
but they really only slowed down to that level a few
months back, when they dispatched several loan
officers to assist with disaster loans for
Katrina victims.
</p>
<p>
In the past two months, our average approval time
has been two days from the time the completed
package hits their desk.
</p>
<p>
In general, if you get us involved early enough in the
project, we can complete our review simultaneously
with yours, and be prepared to send a package to
the SBA close to the time you've finalized your
commitment letter.
</p>
<p>
Because speed is often of the essence in moving 504
transactions forward, let me lay out a couple of tips
for you on how we can work together to make loans
approvals quick and efficient:
<br>
<ol>
<li><u><b>Call us early in the
process.</b></u> We recommend you call us and
talk to us about projects even before you're
convinced that you can them. We can
screen the project for you to confirm that it is SBA-
eligible, we can help shape the budget and
the amounts of financing each of us can do; and we
can establish what kind of equity requirement the
borrower will need to meet.</li>
<br>
<li><u><b>Get us a loan package right
away.</b></u> When we're doing the underwriting
on a 504 loan, we're not looking at any SBA
paperwork. Instead, we're looking at the same
sort of things you are: business financials and tax
returns, personal financial statements, project costs,
etc. The sooner we get that information, the sooner
we can dig in, figure out what our questions are, and
tell you wah else we need to determine if the deal will
work.</li>
<br>
<li><u><b>Help us get in front of your
customer right away.</b></u> We want to do a site
visit with the prospective loan customer;
it helps us gain knowledge about the project, and it
also helps us address the borrower's questions and
concerns. We prefer doing a joint visit with you, but
can also go by on our own. As well as assisting our
underwriting, the visit allows us to inform the
borrower about what we will need from them, and to
get them started on compiling the information we’ll
need for the SBA application.</li>
<br>
<li><u><b>Follow our guidelines on ordering
appraisals and environmental reports.</b></u> We
can e-mail or FAX you copies of our basic
requirements for these reports. If you follow these
guidelines, and ideally add us in as addressees on the
reports when you order them, we can get SBA
approval quickly – even if we haven't received them
by the time we apply to the SBA.</li>
</ol>
</p>
<p>
We can't promise you a week turnaround on every
deals – but we can promise you that our turnaround
time will rarely prove to be your biggest hurdle. We
can turn our speed into a positive for your borrower if
we work together closely on sharing information and
overcoming potential obstacles.
</p>
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<p>
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
with expansion needs. <br>
<br>
<b>Charlotte Region: </b>Dale Harrold and Ralph
Ansell, Self-Help, Great Aunt Stella Center, 926
Elizabeth Ave., Suite 302, Charlotte, NC 28204 * 800-
394-7428
</p>
<p>
<b>Fayetteville Region: </b>Allen Cofiori, Self-Help,
100 Hay St., Suite 300, Fayetteville, NC 28301 *
800-774-7966
</p>
<p>
<b>Northeastern NC Region: </b>Gerry Blood, Self-
Help, 301 South Evans St., Suite 306, Greenville, NC
27858 * 800-893-9669
</p>
<p>
<b>Southeastern NC Region: </b>Louis Rogers, Self-
Help, 272 N. Front St., Suite 300, Wilmington, NC
28401 * 877-559-4284
</p>
<p>
<b>Triad Region: </b>Travis Idol, Self-Help, 122 N.
Elm St., Suite 1015, Greensboro, NC 27401 * 800-
269-7426
</p>
<p>
<b>Triangle Region: </b>Joe Osowski, Self-Help, 301
W. Main St., PO Box 3619, Durham, NC 27702 * 800-
476-7428
</p>
<p>
<b>Western NC Region: </b>Tom Byers, Self-Help,
34 Wall St., Suite 704, Asheville, NC 28801 * 800-
229-7428
</p>
<p>
Contact our SBA 504 Program Director, Jim Overton,
at 919-956-4473 or jim.overton@self-help.org
</p>
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