A.R. Ruiz’s Vast Experience Will Benefit Small Business Owners in DFW Metroplex

A.R. Ruiz has a deep understanding of Small Business Administration (SBA) 504 loans. In his new role as the Texas Certified Development Company (TxCDC) consultant for the Dallas/Fort Worth area, A.R. will use the lessons he learned as a loan officer and banker to help small business owners grow their businesses. His deep experience makes him uniquely qualified to assist his clients. “I pride myself on customer service,” A.R. said. “I have extensive experience on the sales side, but I also started off working on packaging and underwriting of SBA 504 loans. I can do the whole package from start to finish. That brings a lot of value to my clients and to my partners.” Starting in the Family Business His education on SBA 504 loans began at the family business. “I’m a second-generation SBA lender and I actually got into the SBA world by working in the family business as a packager and an underwriter,” A.R. said. During his early years working in the family business, A.R. assisted with $40 million in 504 loans through TxCDC. Eventually, A.R. decided to spread his own wings in the business world. “In 1999, I had the opportunity to work with another CDC […]

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SBA 504 Program Continues To Have Capacity to Fund 504 Loans

SBA published a notice regarding 7(a) lending’s impending approach to its FY 2015 loan volume ceiling before the end of the fiscal year, likely within the next few days. Due to the anticipation of the end of the availability of 7(a) loan authority, SBA has indicated that 7(a) applications will be processed up to the point of approval and then will be placed into a queue awaiting the availability of program authority. Applications in the Queue will be funded in the order they were approved by SBA at the start of the new fiscal year on October 1, 2015 unless Congress takes action to raise the program cap prior to that date. The Certified Development Company (504) Program continues to have available capacity to fund 504-eligible loans through the end of the fiscal year. Reported by: NADCO (National Association of Development Companies)

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Betting on a Sure Thing When Helping Business Owners

TxCDC Consultant Armando Ruiz Offers One-Stop Shop that Helps Clients Find Property and Obtain Financing Armando Ruiz loves to travel. One of his annual trips is to Las Vegas where he enjoys trying his luck at the casinos. However, it’s his clients who have all the luck when he helps them with locating and financing their business locations. To make sure that he’s not gambling with his customers’ livelihood, Ruiz has focused on being able to effectively and efficiently serve the many needs of small business owners. The Austin native can help owners find the property that best fits their needs and then assist them in qualifying for an SBA 504 loan to finance the building. Through it all, he provides wise counsel to help his clients make appropriate plans as they start or grow their business. Those qualities make Ruiz a valued member of TxCDC’s team. “Armando’s deep knowledge of commercial property, businesses and SBA 504 lending brings great value to his clients,” said TxCDC President Suzanna Caballero. “He represents his clients’ interest throughout the decision and implementation process and delivers what they want, whether it’s advice, financing or support. We are happy to have him on our team.” […]

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Esparza’s Work Ethic, Focus on Customer Service Ensures
TxCDC’s Loan Application Process Stays on Track

Agueda “Agatha” Esparza’s work ethic and attention to detail has always been noticed. Starting as a teenager when she was hired to bus tables at a restaurant but soon promoted to waitress, Texas Certified Development Company’s packaging manager regularly has been recognized by her employers for her willingness to go the extra mile. That perseverance, attention to detail and friendliness has not only helped her achieve personal milestones, but makes her the perfect person to assist small business owners who are looking to grow their business through an SBA 504 loan. “Customer focus is what I think of when I think of Agueda,” said TxCDC President Suzanna Caballero. “She always considers our customers, which we consider our borrowers and bankers, when she takes action, works with our team and performs her duties.  It’s natural for Agueda.  What a joy it is to have her work ethic and customer focus on our team!” Always Striving to Improve Born in Mexico, Esparza is the youngest of eight children. When she was 11, her family moved to Natchitoches, Louisiana. Because she didn’t speak a word of English, Esparza was assigned to an English-as-a-Second-Language class where her teacher took her under her wing. She […]

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Award-Winning Business Executive Ed McGuire to Join TxCDC
as Consultant Serving Dallas-Fort Worth Area

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Texas Certified Development Company (TxCDC) has named Ed McGuire as its representative in the Dallas-Fort Worth area. McGuire, a well-respected business executive who has extensive experience in helping small business owners succeed, began his duties with TxCDC on August 18th.

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Free Webinar – Business Owners: Learn How to Finance Your Building and Equipment with Only a 10% Investment

SBA Offers a FREE Financial Webinar: CDC/504 Loan Program for New and Existing Small Businesses SAN ANTONIO, TX – The U.S. Small Business Administration (SBA) in collaboration with Texas Certified Development Company (TxCDC) is offering a FREE financial webinar, CDC/504 Loan Program for new and existing small businesses.  SBA works with certified development companies and lenders to provide small businesses with “brick and mortar” financing to acquire major fixed assets for expansion or modernization such as, land, building and equipment.  Join SBA and TxCDC staff and learn about the eligibility and process of this unique specialized loan program. WHAT: A FREE financial webinar for small businesses WHEN: July 22, 2014, from 2:00 p.m. – 4:00 p.m. (CDT) WHO: SBA Guest Speaker: Texas Certified Development Company HOW:  Connect to the webinar at: https://connect16.uc.att.com/sba/meet/?ExEventID=89740942 Registration is required. Contact Aixa Leath, Lender Relations Specialist, SBA San Antonio District Office at aixa.leath@sba.gov.  Copy of the presentation will be forwarded to participants.

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