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About Janet M. Dery

Best Practices: SBA Requirements for Historic Registry Properties

Section 106 of the National Historic Preservation Act requires Federal agencies to consider whether their federally-funded projects directly or indirectly adversely impact properties and sites that are listed or eligible…
  • January 18, 2023
  • Janet M. Dery

Best Practices: Change in Restriction on Uses of Proceeds under the SBA Proposed Rule

On October 26, 2022 Volume 87, No. 206 of the Federal Register contained a Notice of Proposed Rulemaking on Affiliation and Lending Criteria for the SBA Business Loan Programs.  The…
  • November 2, 2022
  • Janet M. Dery

Best Practices: Interest Rate Changes Under “The Deregulatory Rule”

The Final Rule: Regulatory Reform Initiative: Streamlining and Modernizing the 7(a), Microloan, and 504 Loan Program to Reduce Unnecessary Regulatory Burden (87 FR 38900, commonly known as the “Deregulatory Rule”)…
  • August 3, 2022
  • Janet M. Dery

Best Practices: Debt Refinance Documents Lenders Should Obtain

In a recent presentation by SBA on guaranty purchases and its 10 tab process, the Agency noted that lenders not infrequently provide inadequate documentation to support their debt refinancing “uses…
  • April 27, 2022
  • Janet M. Dery

Best Practices: The Benefits To The Lender And Borrower Of A Borrower Being Represented By An Experienced Commercial Attorney

One way for borrowers to have a more pleasant loan closing experience and for the lender to see its customer achieve long-term business success is when a borrower chooses to…
  • January 12, 2022
  • Janet M. Dery

Best Practices: Vessel Collateral

A vessel is defined by Merriam Webster as “a watercraft bigger than a rowboat.”   There are many small businesses whose main assets consist of vessels, such as local fishermen,…
  • September 8, 2021
  • Janet M. Dery
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