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About Michael Zidansek

Best Practices: Contaminated Properties under SOP 50 10 8

During the closing process, lenders anticipate their Phase I Environmental Reports will show that real estate serving as collateral is clean. However, this is not always the case…
  • June 17, 2025
  • Michael Zidansek

Best Practices: Zoning Compliance Letters and Zoning Endorsements

When financing the purchase or construction of commercial real estate, SBA Lenders should confirm that the subject property’s zoning classification allows for the Borrower’s proposed use of the…
  • February 25, 2025
  • Michael Zidansek

Best Practices: Considerations When Financing an Urgent Care

Urgent care centers are on the rise in the U.S. due to high costs of emergency room visits, long wait times for primary care doctors, and growing consumer…
  • October 15, 2024
  • Michael Zidansek

Best Practices: SBA Gas Station Loans

The SOP 50 10 7.1 (the “SOP”) contains additional documentation requirements for gas station loans that SBA admits can be “voluminous and complex” for Lenders. This article will…
  • June 26, 2024
  • Michael Zidansek

Best Practices: EIDL Lien Subordinations and Collateral Releases

In response to the COVID-19 pandemic, the Small Business Administration (“SBA”) granted low-interest, long term Economic Injury Disaster Loans (“EIDL”) to millions of small businesses. While the pandemic no longer…
  • February 28, 2024
  • Michael Zidansek

Best Practices: Loan Maturities Under SOP 50 10 7.1

With the U.S. Small Business Administration’s (“SBA”) release of SOP 50 10 7.1, Lenders should be pleased to see the return of some familiar provisions that were in…
  • November 1, 2023
  • Michael Zidansek
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