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Code of Ethics

SBA Business Solutions, its employees, and contract trainers make every effort
to adhere to this Code of Ethics in all our business practices.

Our goal is to treat others as we would like to be treated - honestly, and with integrity.
  • Whenever possible, we will act in your best interests, but will not misrepresent the facts, nor the business's ability to pay in a loan situation, nor any problems that may have occurred in a guaranty purchase situation with SBA.

  • We will support your right to be treated fairly, and with full disclosure. If you are seeking financing, and an SBA loan is not possible at this time, you will be directed to resources that may be able to help you in your business operations or strategic planning, and to other possible funding sources.

  • In services provided to applicants, payment will not be contingent on receiving funding. In this way we can give you the fairest and most honest assessment of your ability to get and repay a loan. No one does an applicant any favors by getting them into a loan they cannot afford to pay. All clients will be treated fairly and honestly, will be given equal access and full disclosure, and will receive an objective evaluation of their creditworthiness.

  • We will encourage loan requests only where there will be a clear benefit to the borrower upon closing. We will, however, never knowingly package a loan that is beyond the ability of the borrower to pay or comply with the stated loan terms and conditions at the time the loan is made or in the foreseeable future.

  • All appraisals required for financing will be arranged and ordered by the lending institution, not SBA Business Solutions.

  • We will make full disclosure of all pertinent facts to the parties of a transaction, neither withholding relevant information, nor being a party in any way to false representations, but will disclose no information to third parties unless required to by subpoena or by the U.S. Small Business Administration, or authorized by the client in writing..

  • We will get your consent for release of any information other than noted above. · Any projected terms and conditions, estimates of closing costs and expenses, or significant changes to what was initially discussed, will be provided to applicants in a timely manner.

  • We will not participate in transactions in which parties, principals, agents, or service providers, are engaged in dishonest or fraudulent behavior.

  • Our goal is to conduct our business activities in a professional manner.

  • We will strive to stay in close communication with borrowers and lenders to make sure that questions are promptly answered and all significant events or problems are conveyed in a timely manner.

  • Provide information relevant to the needs of the small business person in all entrepreneurial training provided, to the best of our ability.

  • We are committed to continuing education regarding industry principles and practices in order to bring the highest level of knowledge and expertise to our lenders, small business clients and organizations.

  • We firmly believe in win-win relationships that offer opportunities to entrepreneurs without undue risk to their lender partners. If a lender referred you for our services, we will not disclose any information to any other, unless you, the small business owner, request that we do so.

  • All fees will be disclosed prior to services being rendered, and payment is due at the time of service. We, like many of you, are a small business that must have earnings to survive.

  • We will provide the same high level of quality service to all borrowers regardless of education, level of sophistication, race, color, gender, marital status, religion, age, physical challenge, ancestry, or national origin.

  • We shall endeavor to be accurate in all advertisements and solicitations.

  • We will avoid unauthorized disclosure of confidential information. We recognize that the information provided is personal and private and hold the information in the utmost confidentiality.

  • We will take all reasonable efforts to secure client information that is in our custody. All printed material provided will be shredded or returned to the parties within 90 days of the completion of the transaction.

  • We will ensure that borrower files, forms, and other materials containing private confidential information are maintained in locations and under conditions which protect that information from unauthorized view.

  • We are careful to dispose of daily waste material and trash featuring client information, generated in the course of loan processing, by shredding or an alternative destructive process, in order to prevent identity thieves or other unauthorized persons from obtaining client data from trash receptacles, or waste disposal sites. We will also take all reasonable steps to safeguard client confidential data stored electronically.

  • We will conduct our business in compliance with all applicable laws and regulations.

  • We will refrain from engaging in activities beyond the scope of our expertise. If our clients require additional expertise, we may refer them to a professional or SBA resource partner who specializes in that field.

  • When recommending or suggesting the use of services of other professionals or entities, disclose any direct interest we have in the professional's or entity's enterprise, or compensation we may realize from the recommendation or referral.


Contact us today!
info@sbaBusinessSolutions.com 
Specializing in SBA loan packaging, training, workouts, & SBA guaranty purchase preparation. Small Business Administration loans and programs.
Last Updated : October 25, 2011
Helping lenders & entrepreneurs to take advantage of the opportunities in SBA lending. SBA Business Solutions
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