Josh Miller's presentation at 2014 Lender's Meeting at Arkansas State University in Jonesboro, Arkansas.

1. ASU Small Business and Technology Development
Center
Arkansas State University
May 20, 2014
Presented By : Josh Miller

2. Introductions
Holtmeyer & Monson
 Serving Banks and Small Business
borrowers since 1982
 ICBA Preferred Service Provider since 2006
 400+ lending customers
 NAGGL Committee Member

3. Agenda
 Starting or Expanding a Successful SBA Lending Function
 Use of a Lender Service Provider
 Tremendous Profits From SBA Lending

5. Opportunities through SBA Lending
 Make more loans in your local market-
compete more effectively
 Mitigate bank leverage and
concentration issues
 Mitigate collateral risk via SBA
enhancements
 Gain profit potential from
non-interest fee income

6. Lending to Non-Traditional Borrowers
 Business acquisitions and financing goodwill
 Start-up businesses
 Specialty businesses- e.g. hotels,
restaurants, franchises
 Term out existing lines
of credit

7. Benefits to Borrower
 Ability to secure financing on terms and conditions
otherwise not available
 Capitalize fees into loan
 Extended term permanent financing
 Maximize cash flow

8. Use of a Lender
Service Provider

9. Lender Service Provider Benefits
 Conforming software-industry specific
 Current technical information & updates
 Trade association endorsement
 Efficiency of processing
 Streamlined communication between SBA and lender

10. Holtmeyer & Monson Program Features
Holtmeyer & Monson is a full-service SBA lending consulting
firm that focuses solely on the unique opportunity SBA
lending presents for community banks.
 Complimentary Initial Consultation to determine eligibility and program
structure.
 Submission of the Completed Loan Application to the SBA for
approval and guarantee issuance.
 Loan Closing Services with detailed documentation instructions
 Securitization and Sale of SBA Guarantee generated from the loan
transaction
 SBA Loan Portfolio Management, including payment processing and
remittance, required reporting, and detailed monthly activity reconciliation
and reporting.

11. Calculate Your Potential Yield
www.holtandmon.com/calculator

12.  Sign up for our e-Newsletter SBA Lending Matters
www.holtandmon.com
 Calculate your potential SBA earnings
 Start taking advantage
of SBA lending TODAY!
Next Steps With H&M

13. Thank You!