You and your firm will be my go-to source for legal counsel on business matters from now on. You have earned my trust with your integrity, drive and common-sense approach to complex matters.
American Coil Inc.
You guys are doing a great job and keeping us straight. Please continue what you’re doing.
Josephine R. Oliva
Portfolio Risk Officer III
BB&T Bank Corporation
When The Bancorp Bank made the strategic decision in 2009 to become a national SBA lender, our first call was to Ethan Smith at Starfield & Smith. I had worked with Ethan in deals where he represented the SBA lender and was impressed by the firm’s capacity to handle a particularly complicated management buy-out with multiple layers of financing provided by multiple firms. This deal involved a credit line, an SBA term loan, a mezzanine loan, and private equity from multiple investors, not to mention an obstinate seller. The legal side of the deal could not have gone more smoothly. Bancorp’s SBA team has been very successful and we have relied on the guidance of Starfield & Smith every step of the way. They work to earn our trust every day and we could not be more pleased with our relationship with them. They have a well earned national reputation for expertise in SBA lending that is unmatched.
Senior Vice President
The Bancorp Bank
I have been using the law firm of Starfield and Smith for almost 20 years. I have been an SBA lender with 5 lenders in that span and whenever I have introduced Starfield & Smith to a new company, they become an integral part of its SBA lending operation. Not because I had any influence but because their work and professionalism speak for themselves. I have utilized Starfield and Smith in all facets of SBA lending, from closing to servicing to liquidation. Their expertise and industry knowledge is unmatched in the industry. On a personal note, they guided my partners and I through the complex task of establishing our company, which has become the #1 SBA lender by volume in the Philadelphia market. I am grateful that Starfield and Smith are such active members in the SBA industry since their true goals and objectives align with all the other members of this unique business community: helping small businesses in this country grow, prosper and succeed!
Executive Vice President
I’ve partnered with Starfield & Smith for the past five years. The attorneys at Starfield & Smith bring a ton of expertise and perspective to each transaction they are a part of. They are approachable and collaborative – qualities that are a necessity in (successfully) closing SBA loans. I would recommend Starfield & Smith to any lender or borrower seeking counsel on these types of highly sensitive, fast-paced settlements. Time and time again, this firm has proven itself to be a key reason for well-organized closings.
First Vice President
As President of DelVal Business Finance Corp, a leading SBA 504 lender in Pennsylvania for nearly twenty years, I have utilized several law firms to close our SBA 504 loans.
Without a hesitation, Starfield & Smith have been the best we’ve worked with. They understand that in the 504 industry “time is money” better than anyone else, and their ability to pull in extra resources when needed has made getting the 504 loan closed a priority for them.
From the attorney’s to the support staff, everyone is “user friendly” and the professional staff know the SBA 504 rules & regulations as well as I do (well almost).
Simply put, I highly recommend Starfield & Smith for anything that involves SBA financing. They are the best!
Michael A. Schwartz
DelVal Business Finance Corp.
The law firm of Starfield and Smith is unparalleled in its professionalism and expertise. On a daily basis, every single member of the firm, from the top to bottom, breaks down the typical stereotype of staid, overly cautious legal work. They do this by rolling up their sleeves and cranking out the work while telling it straight to the client. Their advice and product is always spot-on and delivered timely. They are a essential part of my business. The firm, and everyone in it, is at the top of their game.
Robert R. Dwyer
Freedom Small Business Lending BIDCO, Inc.
Knowing that the attorneys at Starfield & Smith, PC are dedicated to keeping abreast of every change and nuance in ALL of the SBA’s SOPs gives me the comfort that I need when assigning a loan to their firm for documentation, servicing situations or collection dilemmas. When the attorneys from this firm are the ones teaching the trade association “how to” I know that my confidence in their work product is justified. Our bank has used this firm for many years and have received excellent service and “spot on” advice. Their attention to every detail is the reason SBA lenders should depend on this firm!
President, SBA Lending Division
I have known and worked with David Starfield and Ethan Smith since the mid 90’s. The SBA market has seen many changes over the years and in every aspect of my association with them, from processing to liquidation, they and their firm have proven to be experienced, knowledgeable and professional. I wouldn’t be where I am today without them showing me the way. I refer anyone to them that is in need of their services.
Fredda K. Morgan
We rely upon Starfield & Smith as our compliance counsel for our SBA lending business, and we have been very pleased with the level of service that the firm provides to us. Starfield & Smith’s attorneys are very knowledgeable regarding all aspects of the life span of an SBA loan, from origination to servicing to liquidation and guarantee proceedings, and they consistently provide us with prompt, responsive, and practical advice. We have found Starfield & Smith to be a particularly valuable advisor and counselor in instances where it has become necessary for our bank to request that the SBA honor its guaranty. We would strongly recommend the attorneys at Starfield & Smith to other SBA lenders that are seeking guidance on SBA compliance issues.
Market President & Chief Lending Officer
I have to tell you that we continue to become bigger fans of the firm every time we use you. While Texas and Pennsylvania are pretty far apart geographically, we now have only one firm when it comes to liquidations and/or collections on our SBA loans, and you guys are definitely the firm!
Brad L. Durham
Independent Bank of Texas
Starfield & Smith is our go-to law firm for issues regarding SBA Repurchases or Compliance. Their knowledge of the SBA, in terms of the people, processes, and policies is unparalleled. The more complex the issue, the more this firm shows their value. We use them both on the closing side, as well as for helping us on Ten-Tab matters. Our main point of contact at the firm, Ethan Smith, in particular is just an exceptionally bright attorney. I whole-heartedly endorse them for any work that involves the SBA programs. They are simply recognized as the expert in that area of law.
Chief Risk Officer
Live Oak Banking Company
Starfield & Smith have been integral with assisting the bank with one of our largest guaranty purchases from SBA. Their team was able to utilize their SBA expertise and work directly with contacts to offer guidance to address specific concerns. Without the help of Starfield & Smith, it is unlikely that our bank would have been able to collect on the full guaranty on this loan. In addition, our costs incurred with their services was reimbursed 75%. We highly suggest that if you need assistance with your SBA portfolio, do not hesitate to contact them.
We had a great experience with your team!
Linda K. Fernandez
V.P. Credit Administration SBA Department
Monterey County Bank
I have had the pleasure of working with Ethan Smith and David Starfield for over 10 years starting with the attendance of many of their excellent training classes. Most recently, their staff’s experience in dealing with SBA’s purchase process not only helped our bank save a large guaranty purchase request, but also helped to resolve various FDIC loss share issues we faced. Their training and on-going assistance throughout the years has allowed me to enrich my SBA lending skills. These skills allow me to both maintain the integrity of our SBA lending program and service our small business marketplace.
Sylvie S. Boesser
Old National Bank
It is a pleasure working with a law firm that can provide us with legal advice that also addresses the business aspects of the issues that we deal with. Your counsel, combined with your unique knowledge of the SBA industry, has been a great help to us.
We look forward to a long relationship with your firm.
Starfield and Smith is the exclusive law firm of Radius Bank’s commercial division, providing all of our closing needs for both SBA and conventional loans. I have worked with Starfield and Smith for years. Throughout this working relationship, I have always found them to be on the leading edge of process and industry knowledge. I consider them to be a valued member of our team, and plan to continue our successful partnership as we continue to grow.
A. Diane Gallion
Executive Vice President
I have had the pleasure of working with Starfield & Smith over the past 5 years and have always found them to be reliable and responsive. Whether it is just a standard SOP question or closing a loan in a very short time frame to meet a deadline for a customer, they have the expertise, experience and qualified staff needed to assist in any situation. I have confidence that they are hard at work to help assure that the loans I close are of the highest quality and closed in accordance with the SBA’s SOP. I know that they are there to make sure that I am doing the best job possible for myself and for the lending firm I am working with. I have worked with many attorney firms over the years and the quality, knowledge and experience of a good firm can make a big difference in my closing – that is why I choose to work with Starfield & Smith.
Senior Loan Closer
United Community Bank
I have worked with Starfield & Smith, PC for almost 10 years. Ethan Smith and his team provide the best service and attention to detail that helps our companys continued success. I’ve never known another lawyer more prepared or focused. He and his team have the ability to dissect a loan, identify the tasks needed to put the lender in a position to protect their SBA guaranty. They provide great service, meeting the needs of our firm as a loan service provider, the lender and the borrower. I highly recommend Starfield & Smith to any lending institution closing SBA loan transactions.
President & CEO