SBA Lending
Snapshot
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- SBA 7(a) loan documentation & closing
- SBA 504 first-lien & interim bridge financing
- 504 program designation support
- Borrower entity, ownership & authority review
- Collateral documentation, UCC searches & filings
- Commercial real estate title & survey examination
- CDC Third Party Lender Agreement coordination
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- Community banks & regional lenders
- Small Business Lending Companies (SBLCs)
- Non-bank direct SBA lenders
- Preferred Lender Program (PLP) participants
- Expanding multi-state lenders
- Certified Development Companies (CDC)
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- Documents prepared on each lender’s own forms and closing procedures
- Timelines built around the lender’s committed closing date
- Title, collateral and ownership issues raised before funding
- Corporate and real estate attorneys in the same firm when an SBA loan funds an acquisition or property purchase
- Flat-Fee Simplicity
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- Primary Footprint: Deep roots and active lending support across Texas, Tennessee, New Mexico, Oklahoma, and surrounding states.
Your guaranty is only
as strong as your closing file.
For community banks, regional banks, Small Business Lending Companies (SBLCs), and non-bank lenders.
How do you make sure an SBA loan holds up long after it closes?
An SBA loan can close on time and still create significant financial exposure years later. If the SBA finds a documentation defect or SOP issue during guaranty purchase, it can reduce or deny the guaranty entirely. Most of that risk is decided at the closing table.
Feighny Hartle represents lenders on SBA 7(a) and 504 facilities (including growing lenders navigating 504 designations). We get the file right while issues are still easy to fix—working on your forms, adhering to your procedures, and moving at the pace your borrowers expect.
Your forms, your procedures—learned once
Every lender handles SBA loans its own way, from preferred forms and closing checklists to how resolutions are drafted and UCC filings are executed. We learn your preferences on the first deal so you don’t re-explain them on the fifth. Your loan officer has already promised the borrower a closing date—we build our review schedule strictly around your committed timeline.
504 loans: Coordinated from interim funding to debenture takeout
A 504 transaction has more parties, more documents, and two distinct stages of funding. We represent the third-party lender on both the first-lien loan and the interim bridge financing. We coordinate directly with the CDC on the Third Party Lender Agreement and ensure first- and second-lien collateral stay properly aligned until the debenture funds.
Predictable flat-fee pricing
We structure our closing fees around predictable flat-rate arrangements rather than open-ended hourly billing. Your credit and closing teams get transparent, consistent pricing across your pipeline.
Issues caught before funding, not at guaranty purchase
We review borrower organizational documents for hidden ownership gaps and authority issues. We verify that liens are perfected, equipment collateral is documented, and title commitments are read for what they actually say.
Real-World Value
On a recent commercial real estate SBA loan, our title review uncovered a recorded property restriction that would have prohibited the borrower’s intended business use. The lender discovered the issue before funding—protecting the business viability and the SBA guaranty.
Real relationships, face-to-face
In banking, legal counsel often feels like an anonymous email address. At FH, we believe in building genuine, long-term partnerships with our lending teams—providing direct access, responsive communication, and the kind of personal attention where clients actually get to meet their attorney face-to-face.
“Lenders should know who’s working on their loans. I meet my clients, I know their closers by name, and I know how they want a file put together. That’s why most of our new work comes from the lenders we already serve.”
— Staci Griffin, Partner, Head of Lending Practice
