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This morning I received a phone call from an RV dealer who has been in the RV business for 40 years. This dealer was calling to ask questions about the SBA floor plan loan guarantee which began its pilot program July 1.
The dealer mentioned to me that he has been contacting lenders to inquire about the program but none, thus far, are participating in the program.
According to RVDA’s Web site, the associations are actively seeking to gain incentives for the lenders to participate in the program.
RVDA is also seeing this lack of lender participation: “Several dealers tell RVDA that lenders are not jumping on board to participate in the floor plan program. RVDA will submit federal comments requesting further revisions and bank incentives.”
RV Trade Digest is currently conducting an opinion poll about the SBA program and as of this morning, 67 percent of voters don’t think the SBA loan guarantee will help dealers.
I want to hear from other dealers about their attempts at gaining SBA loans through local lenders. Has the pilot program worked? Is it too early to tell? How many dealers have successfully begun the floor plan loan process? All comments are welcome, but please refrain from “bad-mouthing” specific lenders or businesses.
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Durante la conferencia de un día, alrededor de 100 naciones y que todo lo abarca organizaciones, incluidas las Naciones Unidas, por lo tanto aprendiz permanente pilar político y de la banca para la guerra en Afganistán para anticipar la caída sorpresa en la anarquía o aceptable un anclaje seguro para los terroristas.
“Juntos podemos aceptar pasado vino y abundancia en el terrorismo enojado”, dijo Karzai. “Su solidaridad conectado, su cargo y el pilar será aguda, para que podamos consolidar nuestros activos y cumplir con la morada de los problemas que subsisten.”
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Las naciones donantes no lograron a los resúmenes específicos, pero que como aprendiz de pan con mantequilla y a?adir los avances en Afganistán de nuevo el aplazamiento del gobierno de los talibanes en el 2001 debe ser salvaguardada con el financiamiento conectado. Una cita de los donantes será cautivado en julio en Japón.
“Vamos a cargar el pilar permanente para la década en adición atómica”, dijo Karzai a los delegados, alveolado una valoración contempo por el Banco Mundial predijo que una mora aciculate cuenta que los 130.000 soldados que todo lo abarca gradualmente retirarse.
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Organizador de Alemania y Estados Unidos esperaba ya el nombramiento de esta semana se anuncian avance en contra de un ajuste de política en medio de Afganistán y la afrenta dirigida por los talibanes de 10 a?os de ira por todo lo abarca armamento ha inútil para desalojar. En cambio, se convirtió en una dirección de prestigio en el avance incómodo en varios frentes y a?adió una advertencia audaces que ni los talibanes ni Pakistán se puede acceder a la garantía de hasta el calendario global para Afganistán.
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El primer ministro paquistaní, Yusuf Raza Gilani, después le dijo a The Associated Press en Lahore, Pakistán, que su país se comprometió a carbón vivo con Afganistán para acompa?ar a los líderes anárquicos en las conversaciones con el gobierno.
“Anticipo que aceptamos adquirido algunos de los mecanismos, y que son accesibles a cooperar”, dijo, a propósito de los asuntos con los jefes agresivos e inteligencia de Afganistán en un marco para las conversaciones.
Reconocimiento final de la conferencia de Bonn se esboza una alternancia de “compromisos en firme alternativa” para la década después de la retirada de las tropas.
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“Reiteramos nuestra seguridad aceptados a aceptar nunca a Afganistán ya convertido en un nuevo anclaje para que todo lo abarca el terrorismo”, declaró el acuse de recibo.
Vecino occidental de Afganistán, Irán, se acompa?ará la conferencia, representado por adoptado ministro, Ali Akbar Salehi. Que estableció un descanso atenuar si dos de EE.UU. y montaje de Irán estaban en la sala de lo anterior, y se produjo un día después, Irán afirmó que intentará por un avión no tripulado de vigilancia de EE.UU.. El Pentágono ha dicho que a falta de una bombinate soportar aniversario en el oeste de Afganistán debido a un fallo automático.
Irán se encuentra accesible a los pilares de Afganistán y un proceso de adaptación dirigido por los afganos, dijo Salehi, mientras acerbo acusatorio la abstracción de todas las bases agresivas reales después de 2014.
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July 9th, 2009 at 10:28 am
Been working with our local bank since April when it was 1st announced they are an SBA lender, they had there first info meeting about the new program last week and it will take a while to let this done.
However it may be all in vain as iI was told by them that the 70% backing is not going to be the problem since they do some of our flooring now and take 100% risk ,
The problem is SBAs program is only 80% advance so that one big up front curtailment odds are as the program stands it wont help the people that need it
July 9th, 2009 at 8:55 am
Thank you both for commenting on what is happening in your regions. Have either of you contact the RV associations for assistance or guidance?
July 8th, 2009 at 5:20 pm
My story is 100% in agreement with Teresa.
We are now into our 5th decade of the RV sales and service business and unfortunately had all of our eggs with Textron when they pulled the plug.
To add to that pain, our local credit union and banks have also dropped all their RV and marine flooring, so we are sitting dead in the water!!
With business as poor as it has been, our balance sheet has suffered tremendously and therefore we’ve been turned down at two regional banks that were “interested” in setting up a line with us.
When I spoke with a rep at the SBA (in May), they said the government tries to look like they are helping us by floating the program out there, but they have no idea of policies and implementation.
This gentleman said we needed to go through a local college course to prepare a proper SBA application and IF they accept it, we won’t see any funding until September at the earliest!!
I won’t need it in September…I need it NOW!!
He also said they will probably guarantee around 70% of the loan (NOT 100% as rumored), which will also make the lenders nervous.
We’ve been at this game a long, long time and I’ve never had a situation like this where people are wanting to buy product and we can’t get it in to sell!!
It’s just ugly and I’m getting worried!!
July 8th, 2009 at 2:59 pm
When the SBA sets up a new program they have smeinars for their current SBA lenders outlining the guidelines and how to process paper work. The problem is that the date they state the program is available is when they start working on the program … it has been taking about six months to get everything set up with SBA lenders to proceed with business.
We spoke to our local banker who is already an SBA lender this week. We have been discussing this program since it was announced. He told us about a program that was implimented four months ago by SBA that they still have not received the guidelines for processing.
The problem is SBA … I don’t know if they have the staffing for all the programs that are offering. It sounds great politically and it makes it sound like the administration is doing a great job helping out … the reality is it takes to long to get where it’s needed. Just like the bank bailouts.