PRUDENTLENDERS LLC
ALBANY, NY

Prudent Lenders is a Lender Service Provider which has developed a unique platform designed to empower Community Banks, Community Development Financial Institutions (“CDFI’s”) and SBA Certified Development Companies to best implement and manage the United States’ Small Business Administration’s (“SBA”) 7a, 504 and Community Advantage loan programs. The Prudent Lenders’ platform allows such lenders to offer the benefits of these programs to the business communities they serve in a way that minimizes compliance risks while maximizing overlooked revenue streams. Our model is unique and we believe it will best empower such institutions to provide their small business communities with access to capital: with marked increases to the bottom-line of both lenders and commercial borrowers alike. The Prudent Lenders vehicle combines the processing, closing and servicing platforms of two of the nation’s largest SBA Lenders, with specialized SBA 7a & 504 Sales, Marketing & Training resources. CDC Small Business Finance of San Diego, California, and New York Business Development Corp of Albany, New York, are majority equity stakeholders. The commitment of these organizations to a successful government guaranteed lending platform makes Prudent Lenders one of the best outsourcing options for lenders today. You, the lender, will originate loans while Prudent Lenders will process, close, and service those loans with speed and efficiency and the added peace of mind that the process has been “done right.” Efficiency in government-guaranteed lending today necessarily requires the confidence that your lending program is materially compliant. We are passionate about what we do because we know that the only profitable lenders are prudent lenders. Providing capital to small business owners, CDC Small Business Finance works to Make A Difference by creating jobs and investing in the communities we serve. As a non-profit lender, we’ve provided over $8 billion in loans for more than 7,000 small businesses in our 34-year history. Over 100,000 jobs were created or preserved through our work in California, Arizona and Nevada. Loans ranging in size from $10,000 to over $10 million are available through CDC’s array of innovative programs. Our flagship product – the SBA 504 Loan – provides entrepreneurs the opportunity to enhance business equity through building ownership. They benefit from a minimal down payment, low fixed interest rates and long amortizations. Our Community Advantage loan provides up to $250,000 in working capital to growing- and start-up businesses. Our Microloan and CDFI programs get capital to emerging businesses that do not meet traditional bank criteria. All of our loan programs are designed to complement or bridge the way to conventional bank financing. We Make A Difference by leveraging our expertise, lending relationships and passion for economic development. CDC Small Business Finance has received numerous honors as the nation’s largest certified development company – but none matter more to us than watching a small business grow more successful because of the help we provided. NYBDC/Empire State Certified Development Company New York Business Development Corporation (NYBDC) is a complement to conventional banking, working in partnership with banks to provide term loans, many of which do not meet the requirements for traditional financing. Our goal is to be more creative in our underwriting. In many cases, we include multiple participation’s, SBA guarantees, flexible amortization and long-term payouts. NYBDC also manages the Empire State Certified Development Corporation which is otherwise known as The 504 Company. Empire State CDC is licensed by the U.S. Small Business Administration (SBA) to provide the SBA 504 Loan Program – a fixed-asset economic development program designed to promote growth and job creation in small businesses — to eligible New York State businesses. A third component of NYBDC is the Statewide Zone Capital Corporation (SZCC), a privately owned loan and investment fund whose capital is used to promote the expansion and growth of new and existing businesses located within New York’s participating Empire Zones. Business Development Finance Corporation Business Development Finance Corporation (BDFC) is a private, non-profit corporation dedicated to economic development by providing affordable financing for Arizona businesses. As a SBA Premier Certified Lender (PCLP), we have tools and resources that simplify the SBA 504 loan process. We have financed more than $1 billion in projects from our offices in Tucson and Phoenix since 1979. Business Finance Group Business Finance Group is a non-profit lender financing commercial real estate (and long term equipment) for small businesses like yours. With favorable fixed rates, a low down payment, and a 20 year term, the 504 Loan program could be the key to a successful expansion for your business. The ADC is a non-profit economic development lending corporation offering multiple financing options that can be structured to meet your needs using our “gap-financing” loans. Our primary target area of operations is the six counties of Upstate South Carolina as shown. The ADC works with and in conjunction with local lending institutions to provide a structure that works by including long-term, fixed-rate, funding sources that lower the overall debt service requirements and allows for the maximum leverage of the applicant’s resources. The funding comes primarily from public funds, thus the ADC’s thrust is to create job creation for our served area. The ability and the foresight to look beyond barriers, to find creative ways to fund your dreams, to sustain your visions, to help you find and secure the resources that will lead to opportunity. That’s our vision. And every day we search for new and inventive ways to fulfill it. We are the pioneers in a world filled with more of the same. If you have a need for capital, maybe it’s time you talked to us. See what we mean when we say, “Capital vision for your vision.”