MSBF: We Help Lenders, Too

Finding the right avenue to meet your customers’ needs can be difficult. Midwest Small Business Finance makes it simple.

MSBF partners with a participating lender to provide the appropriate financing solution. Whether it’s for real estate or equipment under the 504 loan program or smaller loans under our revolving or ILP loans, we work to help you meet your customers’ needs.

In the 504 loan program, the lender holds a first mortgage and/or lien filing and MSBF/SBA provides permanent, subordinate financing. A bank or other lender provides 50% of the required financing for an eligible project. MSBF provides up to a maximum of 40% of required financing for the purchase, construction, or improvement of fixed assets. The business contributes a minimum of 10% as an equity/cash injection. The 504 program gives you the opportunity to say “YES” to a small business that needs capital to grow, expand, and create jobs. At MSBF, we reduce risk for lenders so you can save time and make larger loans.

The Lender Advantage

Banks that partner with MSBF to offer clients the SBA 504 loan program can finance a smaller portion of the project, which reduces risk while maintaining the first-lien position on all financed assets.

• Increase total loan size
• Strengthen relationships with business clients that may not qualify for traditional bank loans but show a track record of success and promise future growth
• Stimulate the Missouri economy by supporting small businesses that will create and retain local jobs and boost the tax base. Comply with the Community Reinvestment Act
• Ensure a seamless SBA 504 loan process with an experienced partner that manages all back-end administrative requirements, giving businesses the ease of a “sign here” transaction