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SBA 504 Refinancing Can Help Protect Your Portfolio - BLP - Business Lending Partners

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SBA 504 Refinancing Can Help Protect Your Portfolio

As interest rates have remained elevated, many borrowers with variable-rate debt are facing continued pressure from an uncertain rate environment. For lenders, this creates an opportunity to help borrowers reduce interest rate exposure while strengthening the overall performance of their loan portfolios.

An SBA 504 refinance can help borrowers replace variable-rate debt with long-term, fixed-rate financing, creating greater stability in an uncertain rate environment. Fixed payments can improve cash flow predictability, strengthen debt service coverage, and provide additional flexibility to support future growth.

Proactively helping borrowers address interest rate risk can also reduce the likelihood of future credit challenges, contributing to stronger portfolio performance over the long term.

The best time to address interest rate risk is before it becomes a credit risk.

If you have borrowers with owner-occupied commercial real estate or fixed equipment financed with variable-rate debt, now may be the right time to explore whether an SBA 504 refinance could improve cash flow, reduce rate sensitivity, and strengthen both the borrower’s balance sheet and your portfolio.

To learn more about SBA 504 refinancing opportunities, contact Business Lending Partners today to discuss potential opportunities within your portfolio.

CONTACT BLP FOR YOUR BUSINESS LENDING NEEDS

Grace Kieckbusch

Vice President & Loan Officer

Grace Kieckbusch is a commercial lender who loves finding financing solutions that help small businesses thrive. A Magna Cum Laude graduate of UW–Parkside, she began her career at BLP after interning with the team during college.

Green Bay Office920.384.0385 Grace@blp504.org

Todd Schalinske

Vice President & Loan Officer

Todd Schalinske brings nearly four decades of experience in the banking and finance industry. A lifelong Southeast Wisconsin resident, he helps business owners secure the financing they need to grow, with expertise in commercial, mortgage, and SBA lending.

Racine Office262.898.7436 Todd@blp504.org