Interview – Our SBA Relationship Managers are experienced in SBA lending. We understand that every business is unique and that is why we want to fully understand your needs so we can come up with solutions and structure that gives you the best deal. We also enjoy educating you through the process if you have questions. You are an expert at business, lets us help you understand your SBA lending options.

Application- This is the process where you need to fill out some forms as well as provide us with business and personal financial statements. See below for the items that are required during this part of the process.

Underwriting – Our experienced SBA underwriters and lenders work during this process to understand the business and personal financial information that you presented to us during that application phase. It is completely normal for us to ask questions to clarify our understanding of what we are reading. We try very hard to give quick decisions, but also want to make sure that we are giving you our best deal. Since Gesa is a Preferred Lending Provider by the SBA we can turn months into days with our approval process.

Decisioning Process– This is the time when your loan is presented to the approver or loan committee. This is the part in which your loan is officially approved, declined or a counteroffer is made.

Loan Closing – Once you get the final terms of our approval, we move to the loan closing phase where our team works to coordinate all the details and conditions. We are committed to an on time closing because we know you are excited to move forward.

After loan closing – We are committed to being your banking partner as our service doesn’t end at closing. Your relationship managers are always there for ongoing support and being there if you have questions. This on-going communication is unique to the SBA industry, and we are proud to offer our members this invaluable resource.