What are the advantages of SBA financing for my business?

Today I will talk about what are the advantages of SBA financing for your business?


Joke Du Jour

What do you get when you cross a snowman with a vampire?




  • SBA financing offers longer terms than what would otherwise be available, such as repayment terms of up to 25 years fully amortized (with no balloon payment).
  • SBA loans require smaller down payments than those typically required from conventional lenders. Some down payments are as little as 10%.
  • Smaller down payments and longer repayment terms allow borrowers to retain more of their cash which in turn preserves working capital for the needs of the business.  

If you or anyone you know needs business financing give me a call Today at 512-650-8630.       


  • Unlike many conventional loan programs, SBA financing is available for most industry types including (but not limited to) special use properties such as: hotel/motels, gas station/c-stores, restaurants, car washes and day care centers.
  • In the underwriting process SBA lenders are able to consider both the historical and projected cash flows of the business. This is of particular benefit to rapidly growing businesses that may not demonstrate 3 full years of historical repayment ability. 

If you or anyone you know needs a business only loan or you want to finance your business building give me a call Today at 512-650-8630.


Final Funny   

A tour bus driver is driving with a bus load of seniors down a highway when he is tapped on his shoulder by a little old lady.  
She offers him a handful of peanuts, which he gratefully munches up. 
After about 15 minutes, she taps him on his shoulder again and she hands him another handful of peanuts. 
She repeats this gesture about five more times. 
When she is about to hand him another batch again he asks the little old lady, ‘Why don’t you eat the peanuts yourself?’ 
‘We can’t chew them because we’ve no teeth’, she replied. 
The puzzled driver asks, ‘Why do you buy them then?’ 
The old lady replied, ‘We just love the chocolate around them.’


Wishing you the best,

Karen's Signiture
Karen Schimpf 
P.S.Please keep me in mind if you or if you know anyone that needs a business loan.  I specialize in  business only loans, full service restaurants and bars, franchise restaurants, self storages, warehouses, lube services, auto services, veterinary services, doctor, dentist, child care services, manufacturing, and assisted living centers. Give me a call today at 512-650-8630. 


Karen Schimpf







I have been in the lending industry for over 20 years.  I have owned businesses for over 11 years so I understand the business owner’s perspective. I am different from most bankers in that I have been in the role of a commercial mortgage broker, a lender and a business owner.  I specialize in SBA loans.





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Here’s A Little Bit About Me. 20+ years in the finance industry, I rose to the level of Assistant V.P. with Chase Manhattan. While working for Chase, I decided that I wanted to have residual income without having to quit my job. I bought my first apartment building in 1996, three days before my wedding.

In 2001, I decided I would leave the corporate world and work for myself in a net branch environment.

My passions are helping people get commercial mortgage loans. I also am passionate about investing, working out and being with my family and friends.