Funding
Loan Services
Financing Solutions That Fuel Business Growth
GTCC acts as a catalyst to bring your project financing together. As a Certified Development Company (CDC), we are chartered for the purpose of assisting small and medium-sized businesses in securing favorable, long-term financing to support the growth of a healthy business environment and jobs. Our role is to package, process, close and service SBA 504 loans.
Loans for fixed assets, including land, buildings, equipment, renovations, or expansion are available. The funds to back the 504 loans are raised by selling debentures in the bond market, at a rate slightly above U.S. Treasuries, and the Small Business Administration (SBA) guarantees the debentures.
GTCC has a broad network of contacts with economic development organizations, lenders, community leaders, and business service providers. We strive to help business owners create or retain jobs, thereby strengthening companies, increasing the community’s tax base, reducing unemployment, and improving the quality of life.
The GTCC Advantage
Our Management Team has over 80 years of combined experience providing SBA loan services, helping hundreds of small businesses.
We are readily available to assist with every aspect of your qualification, application approval, and funding process.
We have thirty years' experience working with the SBA, and we now offer both the 504 and the 7(a) Community Advantage loan products.
Our Partners in Small Business Success
Business-Owners
Borrowers benefit from GTCC’s decades of expertise and experience with the rules, regulations, and policies of lenders and the SBA. Here’s how we help borrowers:
- Analyze the financing request
- Prep application documents emphasizing the business’ strengths
- Work with the business to address weaknesses or deficiencies
- Introduce the project to lending partners
- Coordinate with other agents, including legal and financial advisors, and others as needed
- Work with the SBA on the business’ behalf to make the financing process as smooth and trouble-free as possible
Lenders
GTCC can save the lender time and collaborate on finding solutions to challenging situations. Here’s how we help lenders:
- Provide high-quality screening, underwriting, and packaging services
- Work with lenders from first contact, through final approval and funding by the SBA
- Support the borrower’s preferred lender
- Refer borrowers who are looking for a lender
- Provide SBA expertise to lenders
- Allow lenders to reduce risk, manage asset ratios with lower loan amounts, increasing the ability to say “yes” and win business
Professional Partners
CPAs, commercial real estate brokers, mortgage brokers, financial planners, and business consultants can rely on GTCC to provide a no-nonsense assessment of clients’ projects. Here’s how we help financial professionals:
- Identify strengths of client companies
- Provide steps to minimize weaknesses or deficiencies
- Simplify the application-to-approval process
- Provide expertise based on training and experience with the complex regulation and lending environment
Economic Development
In order to empower communities, GTCC works closely with Chambers of Commerce, economic development groups, Small Business Development Centers, incubators, colleges, and universities. Here’s how these partnerships impacts economic development:
- Creating or retaining jobs – including rural and under-served areas – stimulating economic growth
- Providing information about the SBA to the community
- Educating professionals through seminars and expositions
- Supporting local efforts to attract or retain companies
