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About Kristen Dickey

Best Practices: Loan Maturities for Real Estate Construction and Leasehold Improvement Loans

What is the maximum maturity for a real estate loan with construction or renovation? How about a leasehold improvement loan? May a lender amortize an interest only period that is…
  • August 1, 2018
  • Kristen Dickey

Best Practices: Florida’s Fictitious Name Act: A discussion About Fictitious Names

While the following article is based upon the requirements of Florida’s Fictitious Name Act (see Florida Statutes §865.09), most states have their own fictitious name acts which have similar requirements.…
  • March 28, 2018
  • Kristen Dickey

Best Practices: Leasehold Improvements with Tenant Improvement Allowance

SBA 7a loan proceeds may be used by a borrower to make improvements to a leased premises where it operates its business. Many times, a borrower will negotiate a tenant…
  • January 10, 2018
  • Kristen Dickey

Best Practices: E-Tran – Unilateral Modifications

Effective February 1st, 2015, the Small Business Administration (the “SBA”) updated its Servicing and Liquidation Actions 7(a) Lender Matrix (the “Matrix”) to include circumstances when all 7(a) lenders would be…
  • October 11, 2017
  • Kristen Dickey

Best Practices: Effective May 1, 2017, Variable Rate Notes Must Include First Rate Adjustment Language

As interest rates have been rising over the past year and a half, the Small Business Administration (“SBA”) wants to be sure that SBA borrowers understand when their interest rate…
  • March 10, 2017
  • Kristen Dickey

Best Practices: Commercial Real Estate Appraisals for SBA 7A Loans and Non Arm’s Length Transactions

This article will summarize commercial real estate appraisal requirements for SBA 7a loans, and specifically discuss the requirement applicable to a business real estate appraisal when there is a change…
  • November 2, 2016
  • Kristen Dickey
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