Searching for and securing a loan can be overwhelming, but Derek and Kara made the process as streamlined and simplified as possible. They were consistently professional, extremely responsive, and always eager to help. I would highly recommend Derek, Kara and the FBDC to anyone looking for an SBA loan.

I have had the pleasure of working with Tim Cramer at FBDC and the SBA 504 loan program for many years. Their responsiveness and knowledge of the program has helped us to reach the closing table with ease numerous times. At the same time, the advice and counsel they provide gives my clients peace-of-mind and confidence throughout the loan process. Through this solid partnership with FBDC, clients have come to realize that the SBA process does not have to be difficult and can be as easy as a conventional loan. SBA loans aren't just for start-up businesses, either. The benefits of as little as 10% down and getting a second fixed rate mortgage for 20 years --in one of the lowest interest rate environments in decades --is attractive to any business owner, whether new or established. I highly recommend Tim Cramer and Alabama Small Business Capital.

It gives me great pleasure to recommend you to any company that is interested in growing their business and is seeking a financial partner. I can say without question that I would not be where I am today without you in my life. As an entrepreneur, I'm a calculated risk-taker and I need someone on the other side of the table who understands my entrepreneurial ways, but views the opportunity from a pragmatic state. I've found that in you. When I think back to the financing of our first real estate project together in 2006, we ran into significant problems when the initial bank backed out of the deal post-closing on the real estate. You stepped in, found us the right primary lender, and told the story as well as I did. You're a true advocate - you see beyond the numbers and understand the vision and what we are trying to accomplish. That said, there are always parameters - we must live inside our means, and you understand that. It's an incredible balance that is difficult to find in a lending institution. Growing and leveraging my company has been both exciting and challenging, and thanks to your help I've been able to significantly grow my real estate portfolio to support the growing needs of my companies. I would highly recommend you to anyone that is seeking a relationship with a lender.

I like to use the 504 program when a client prefers to put less down on equipment or real estate. Part of the loan gets a great long term fixed rate and the fees can be financed. Alabama Small Business Capital has a great team from top to bottom. They are always willing to answer any questions and I trust them to speak directly to my clients. Not only do they help during the approval and closing process they are there during the servicing of the loans as well. FBDC has a very knowledgeable staff and is a great resource to answer all of my SBA 504 questions.