USDA/SBA Loans

USDA Loan Origination Assistance

Maximize your institution’s profitability and non-interest income while booking larger loans with minimal exposure. This allows you to retain customers that may have requests that exceed your institution’s lending limit. With an 80% USDA Guarantee, you can approve loans up to $25M with only $5M in exposure—all while earning 6-11% premiums on the sale of the Guaranteed Portion, adding profit directly to your bottom line.

Need expert guidance? With a former USDA employee on staff, CH&H provides all the
services you need to start leveraging these programs immediately—no additional hiring
required!

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USDA Lending Institutions Seeking New Loan Opportunities

CH&H leverages its nationwide network of borrowers and brokers to source potential
USDA loan opportunities for lenders. We provide the full suite of services outlined above
for these projects as well.

Carty, Harding, & Hearn, Inc. is not only a traditional broker dealer but can now take a hands-on
approach to securing your project’s funding. Formerly employed at the USDA and with over 25
years of Commercial Lending experience, Joey Pardo can streamline Government Guaranteed
Lending from start to finish. We help guide you through the process from pre-qualification to
documentation requirements. Carty, Harding, & Hearn will provide you with a complete,
organized, and prequalified underwriting package. Using our nationwide network of USDA and
SBA lenders, we connect you with the lender that best fits your project, and work closely with
both the lender and agency through approval and closing. Your success is our priority.

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SBA Lender Services à SBA Loan Origination Assistance

Maximize your institution’s profitability and non-interest income while expanding your lending capabilities with minimal risk. SBA 7(a) loans allow you to serve more business clients by providing financing solutions with a government-backed guarantee of up to 85%. This enables you to approve larger loans with reduced exposure—while earning competitive premiums on the sale of the Guaranteed Portion, driving direct profit to your bottom line.

Contact us today if you have interest in adding SBA loans to your portfolio.

SBA Settlement Assistance

Our Lender Services team is dedicated to ensuring a smooth and efficient SBA loan closing process. We work closely with lenders to verify that all documentation aligns with FTA Guidehouse requirements, minimizing delays and compliance risks. Acting as a bridge between lenders and Guidehouse, we help to facilitate communication, troubleshoot issues, and streamline the closing process to ensure a hassle-free experience. With our expertise and proactive approach, we help lenders navigate the complexities of SBA lending, allowing them to focus on funding small businesses with confidence.

Carty, Harding, & Hearn, Inc. goes beyond traditional brokerage to take a hands-on approach in securing your SBA 7(a) loan. With deep expertise in Government Guaranteed Lending, we guide you through every step—from pre-qualification to closing. Our team streamlines the process by ensuring all documentation is complete, organized, and lender-ready. Leveraging our nationwide network of SBA lenders, we match you with the best financing solution for your business. We work closely with both the lender and the SBA to ensure a smooth approval and funding process, so you can focus on growing your business while we handle the details. Your success is our priority.

Click here to learn more!