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	<title>United Bank &#38; Trust Blog &#187; Small Business</title>
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	<description>United Behind You.™</description>
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		<title>2012 Commercial Real Estate Outlook</title>
		<link>http://blog.ubat.com/index.php/2012/01/13/2012-commercial-real-estate-outlook/</link>
		<comments>http://blog.ubat.com/index.php/2012/01/13/2012-commercial-real-estate-outlook/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 02:07:41 +0000</pubDate>
		<dc:creator>Jeff Kleinschmidt</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=564</guid>
		<description><![CDATA[The start of the new year provides me with the opportunity to plan and think about the year ahead. As we continue on the path of economic recovery, I just received this interesting overview from the Mortgage Bankers Association regarding the Deloitte 2012 Commercial Real Estate Outlook. 
Here are a few important  observations that [...]]]></description>
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		<title>United Structured Finance Company Is the Number-One SBA 7a Lender in Washtenaw, Livingston, and Lenawee Counties</title>
		<link>http://blog.ubat.com/index.php/2011/11/16/united-structured-finance-company-is-the-number-one-sba-7a-lender-in-washtenaw-livingston-and-lenawee-counties/</link>
		<comments>http://blog.ubat.com/index.php/2011/11/16/united-structured-finance-company-is-the-number-one-sba-7a-lender-in-washtenaw-livingston-and-lenawee-counties/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 01:51:03 +0000</pubDate>
		<dc:creator>Kenny Leonard</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=541</guid>
		<description><![CDATA[United Structured Finance Company (USFC) was ranked as the number-one Small Business Administration (SBA) lender in Washtenaw, Livingston, and Lenawee Counties and number-three in the state of Michigan for the fiscal year ending September 30, 2011 (in SBA 7a dollars approved) based upon information provided by the SBA. We financed more than $30 million in [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Considering a Move Away from a Big Bank?</title>
		<link>http://blog.ubat.com/index.php/2011/10/28/considering-a-move-away-from-a-big-bank/</link>
		<comments>http://blog.ubat.com/index.php/2011/10/28/considering-a-move-away-from-a-big-bank/#comments</comments>
		<pubDate>Fri, 28 Oct 2011 04:24:17 +0000</pubDate>
		<dc:creator>Todd Clark</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=536</guid>
		<description><![CDATA[Are you tired of the new fees popping up at larger national banks? Not getting the type of service you deserve? May be it’s time to consider a new banking relationship. United Bank &#038; Trust is extremely proud of the service and solutions we provide our clients each and every day because we continue to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Tips for Creating a Successful Business</title>
		<link>http://blog.ubat.com/index.php/2011/09/14/tips-for-creating-a-successful-business/</link>
		<comments>http://blog.ubat.com/index.php/2011/09/14/tips-for-creating-a-successful-business/#comments</comments>
		<pubDate>Wed, 14 Sep 2011 02:41:30 +0000</pubDate>
		<dc:creator>Kenny Leonard</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=507</guid>
		<description><![CDATA[I came across these 10 tips for creating a successful small business &#8211; and while I am sure there are numerous top 10 lists with the same subject matter &#8211; I thought this did a good job encompassing a lot of things that I as a lender look for when meeting with potential borrowers. 
10 [...]]]></description>
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		<title>United Is the #1 SBA Lender in the Counties We Serve</title>
		<link>http://blog.ubat.com/index.php/2011/03/14/united-is-the-1-sba-lender-in-the-counties-we-serve/</link>
		<comments>http://blog.ubat.com/index.php/2011/03/14/united-is-the-1-sba-lender-in-the-counties-we-serve/#comments</comments>
		<pubDate>Mon, 14 Mar 2011 14:09:57 +0000</pubDate>
		<dc:creator>Kenny Leonard</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=434</guid>
		<description><![CDATA[The fiscal year-end for the SBA was 9/30/2010 and United Bank &#038; Trust and United Structured Finance Co. were again the number one lenders in the counties we serve. 
On a combined basis, for the counties of Lenawee, Livingston, Monroe and Washtenaw, we approved 25 SBA loans resulting in over $10,000,000 in funds going into [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Thawing Continues in Commercial Real Estate Finance Capital Markets</title>
		<link>http://blog.ubat.com/index.php/2011/02/15/thawing-continues-in-commercial-real-estate-finance-capital-markets/</link>
		<comments>http://blog.ubat.com/index.php/2011/02/15/thawing-continues-in-commercial-real-estate-finance-capital-markets/#comments</comments>
		<pubDate>Tue, 15 Feb 2011 17:35:58 +0000</pubDate>
		<dc:creator>Jeff Kleinschmidt</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=423</guid>
		<description><![CDATA[I attended the annual Mortgage Bankers Association – Commercial Real Estate Finance Conference (MBA-CREF) last week in San Diego and for the first time since 2007 felt a genuine sense of optimism and enthusiasm relative to the state of the commercial real estate finance industry…albeit cautious.
According to the MBA’s Quarterly Survey of Commercial/Multifamily Mortgage Bankers [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>New Lending Initiatives for Small Businesses Announced</title>
		<link>http://blog.ubat.com/index.php/2011/01/03/new-lending-initiatives-for-small-businesses-announced/</link>
		<comments>http://blog.ubat.com/index.php/2011/01/03/new-lending-initiatives-for-small-businesses-announced/#comments</comments>
		<pubDate>Mon, 03 Jan 2011 20:55:47 +0000</pubDate>
		<dc:creator>Kenny Leonard</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=410</guid>
		<description><![CDATA[Last month the SBA announced two new lending initiatives that will provide small business borrowers quicker access, with less paperwork, to much needed capital. The SBA’s new Small Loan Advantage incentive will reduce the paperwork burden- and loans that are submitted electronically can be approved in minutes or within one business day.
The second initiative, called [...]]]></description>
		<wfw:commentRss>http://blog.ubat.com/index.php/2011/01/03/new-lending-initiatives-for-small-businesses-announced/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is a HUD Commercial Mortgage Loan Right for You?</title>
		<link>http://blog.ubat.com/index.php/2010/10/29/is-a-hud-commercial-mortgage-loan-right-for-you/</link>
		<comments>http://blog.ubat.com/index.php/2010/10/29/is-a-hud-commercial-mortgage-loan-right-for-you/#comments</comments>
		<pubDate>Fri, 29 Oct 2010 03:28:10 +0000</pubDate>
		<dc:creator>Jeff Kleinschmidt</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=385</guid>
		<description><![CDATA[Maybe…but let’s drill down a bit.
There’s no question these features of a HUD loan grab your attention:

Low fixed rate mortgages – today, that rate is around 4%
Up to 35 year fixed rate loans
Up to 90% of value can be financed
No personal guarantees

But, here are some of the things you may not realize:

Only apartments, senior housing [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Small biz gets boost with changes to SBA programs</title>
		<link>http://blog.ubat.com/index.php/2010/10/14/small-biz-gets-boost-with-changes-to-sba-programs/</link>
		<comments>http://blog.ubat.com/index.php/2010/10/14/small-biz-gets-boost-with-changes-to-sba-programs/#comments</comments>
		<pubDate>Thu, 14 Oct 2010 17:00:09 +0000</pubDate>
		<dc:creator>Kenny Leonard</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=371</guid>
		<description><![CDATA[The President signed the Small Business Jobs and Credit Act on September 27, 2010 which will make some changes to the SBA lending programs that have been a long time coming.

These important changes provide the following benefits to small business owners:

Permanently increases loan limits for the SBA 7a loan program &#8211; $5MM gross $3.75MM guaranty [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Beal Inc. 191st Fastest Growing Company in America</title>
		<link>http://blog.ubat.com/index.php/2010/09/24/beal-inc-191st-fastest-growing-company-in-america/</link>
		<comments>http://blog.ubat.com/index.php/2010/09/24/beal-inc-191st-fastest-growing-company-in-america/#comments</comments>
		<pubDate>Fri, 24 Sep 2010 16:24:04 +0000</pubDate>
		<dc:creator>Kenny Leonard</dc:creator>
				<category><![CDATA[Small Business]]></category>

		<guid isPermaLink="false">http://blog.ubat.com/?p=366</guid>
		<description><![CDATA[We are thrilled to celebrate with Beal Inc. and their recognition in the prestigious Inc. 500 list as one of the most entrepreneurial and fastest growing companies in America. United Structured Finance and United Bank &#38; Trust have had a strong relationship with Beal Inc. during this growing phase and have been able to utilize [...]]]></description>
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