How To Get A Small Business Loan (Webinar)
Have you reached an exciting point of growth in your business, or are you just ready for more flexibility with your cash flow? You may be ready for a small business loan. Business loans can be powerful tools in allowing you to realize your earning potential. In this webinar, Fundation's Kipp Fawcett will explain where to start, what to expect, and how to confidently evaluate the best solution for you and your business. Kipp will cover:
• Common reasons for business loans
• Types of business loans and where to get them
• What to prepare when you’re ready to approach a lender
• How to evaluate a loan offer
The Transformation of Lending: Banks Partnering with Online Lenders
Learn how the world of lending is being transformed by partnerships between banks and marketplace lending platforms. Discover how these platforms are using technology and big data to expand their underwriting capabilities. This webinar will be valuable for commercial and regional banking executives, bank analysts and emerging platforms.
Presenters: Sam Graziano, Co-Founder & CEO, Fundation Brian Graham, CEO, Alliance-Partners Ann Armstrong, Advisory Principal, KPMG
Visit: http://www.lendit.com/forum/the-transformation-of-lending-banks-partnering-with-online-lenders
Step by Step: Fundation Business Loan Application in Real Time
Editor’s note: NerdWallet’s Step by Step series gives small-business owners a behind-the-scenes look at the loan application processes of various online lenders. We show you what you can expect screen by screen as you submit your application.
Even if you’ve turned your business into a success, you may be looking for a way to scale your company, refinance debt or increase your working capital. Fundation, geared toward established businesses, is a mid-prime lender that offers term loans of $20,000 to $500,000 to businesses that have been around for two or more years.
Fundation offers one- to two-year term loans for short-term needs such as payroll, and two- to four-year term loans for more complex undertakings, including renovations. Unlike other online lenders, Fundation also requires you to have at least three employees to apply.
Our Fundation review breaks down the pros and cons of the online lender; here we get into the nitty-gritty of the application itself.
Fundation term loans at a glance
Cost of funding: 8% to 30% APR
Approval time: Can be approved same day, but average is 3-5 days
Loan amount: $20,000 to $500,000
Loan term: 1 to 4 years
Minimum qualifications:
- Credit score:600
- Time in business: 2 years
- Annual revenue: $100,000
Typical Fundation borrower:
- Credit score: 680-700
- Time in business: 5-10 years
- Revenue: $250,000-$750,000
Fundation loan application: Summary
Time: Online application can be completed within an hour, though you may need additional days to complete necessary underwriting calls.*
Phone calls from lender: Two*
Documents needed: Bank statements, with the potential for additional documents*
*Exceptions, details spelled out below.
1. Enter basic information
To get started, you’ll enter basic information about you and your business including:
- Email address
- Business name
- Business ZIP code
- Use of proceeds
- Age of business
- Annual business sales
- Annual profit before tax
2. Select your industry
Will Ogden, a member of the strategic partnership group at Fundation, notes that drop-down boxes typically used in online business loan applications often force borrowers into very broad buckets, even though industry specifics, such as running a full-service restaurant versus a limited-service restaurant, can affect an application.
Instead, Fundation directs users through a series of questions to help narrow down the type of industry in which they work. “Because it’s more specific,” Ogden says, “it allows us to provide some direct feedback based on industry data and statistics very early in the application process.”
3. Review business analysis
Based on the information you provided in steps 1 and 2, you’ll now be presented with a basic business analysis, an interactive part of the application that lets you see upfront how your company may be valued and any potential risks that may affect your funding.
If you’re the owner of a high-risk business and your company isn’t profitable, the program will tell you upfront that Fundation may not be the best fit, Ogden says. This analysis helps set expectations for borrowers so they understand why they may or may not qualify for a loan.
Before you can access your business analysis, you’ll be asked to agree to the Fundation “honor code” by confirming that the information you will provide is accurate and honest.
This page also provides detailed information about the type of business you run. Historical data from the Small Business Administration show your industry’s default rate compared with other industries, which provides more context on why your business may be considered a high risk.
4. Explain your loan request
If you decide a loan is the right move for you and your business, you’ll next be asked to tell Fundation a little more about your request. This page includes basic questions such as the amount of the loan and your desired term length, as well as information about how much and what type of debt you have.
Even though it’s not required, you have the option of writing a little bit about your company, the loan request, and how you’ll use the money. Though you’ll likely provide the same information during conversations with your customer relationship manager (more on that later), Ogden says it’s helpful to provide that information here so Fundation has more details early in the process.
5. Provide business and personal financial details
Next, you’ll be prompted to provide more details about your business, including its address, contact information, business type and tax ID.
At the bottom of the page, you’ll include details about the size and financial profile of your company. By including the number of employees, their benefits, and how many customers you serve, you can provide a big-picture view of your company.
On the next page, you’ll be asked to enter some more specific personal financial data, including your liquidity and household income. At this point, you’ll also agree to a credit check, which will show up as a hard inquiry on your credit report.
Note: Fundation declined to share the final pages of the application process, saying they are proprietary.
6. Review Fundation feedback
After your information is entered, you’ll wait less than a minute as the program collects data from multiple sources, including credit bureaus. Once the process is complete, Fundation will provide you with feedback analyzing your personal and business credit.
Similar to the industry analysis provided earlier in the application process, you’ll be able to view data and risk ratings based on your personal credit history and public records history, as well as business payments, business credit and business public records history.
Again, access to this information helps borrowers understand how Fundation is analyzing their data and how it may affect the type of funding for which they qualify.
7. Review your automated offers and submit documents
At this point, you’ll be presented with a variety of options with varying term lengths and interest rates. You’ll also start submitting your closing documents.
According to Fundation, loan applications for less than $50,000 typically require you to submit only three months’ worth of bank statements, which can be uploaded securely to your dashboard — a personal landing page for each borrower — or submitted via secure connection to your bank account. For loans up to $100,000 that were started with Regions Bank (with whom Fundation partnered in the fall of 2015), you’ll likely still need to submit only bank statements.
If you’re applying for more than $50,000 (or are a Regions customer requesting more than $100,000), you’ll have to upload additional documents including at least your last-year tax return, three months of bank statements, your company’s financials, and your company’s debt schedule. These documents also can be uploaded to your dashboard or accessed by connecting bookkeeping programs such as QuickBooks or Xero to your account.
8. Chat with a customer relationship manager
Phone call from lenderThe borrower dashboard also lists the name and direct contact information for a customer relationship manager who will be your point of contact throughout the rest of the application process. That person will call you either the day you submit your application or the following business day, giving you a chance to review the details of your request.
At this point, your Fundation contact will determine whether you need to schedule a call with an underwriter. Fundation estimates about 60% of borrowers are subject to that call, especially if applying for a large sum or if a red flag comes up during the application process (such as a problem regarding credit). Your contact can help you identify red flags in your application and prepare for your call with the underwriter.
Phone call from lenderDuring the underwriting call, you’ll be able to discuss your application and clarify outstanding issues such as missed payments or financial mishaps.
9. Time to funding
a Fundation business loan: How much time?Time: One to three days after receiving your offer
Because Fundation is a direct lender, you can receive financing within days, granted your request is straightforward and requires just a bank statement. But Ogden notes that the time it takes to receive your funding typically depends on how quickly you can upload the documents and make yourself available for the underwriting call — so if you’re very motivated, you may get funding within a day; if you’re less proactive, the process could extend days or weeks.
To help expedite the process, he recommends you have a good handle on how your business has performed over the past 12 months and be prepared to answer underwriting questions about any anomalies in your finances.
To apply
If you’re interested in a term loan from Fundation, you can apply on its secure website.
Find and compare small-business loans
To compare Fundation with other lenders, NerdWallet has created a comparison tool of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.
Jackie Zimmermann is a staff writer at NerdWallet, a personal finance website. Email: [email protected]. Twitter: @jackie_zm
To get more information about funding options and compare them for your small business, visit NerdWallet’s small-business loans page. For free, personalized answers to questions about financing your business, visit the Small Business section of NerdWallet’s Ask an Advisor page.
Fundation and BancAlliance Help Community Banks Improve SMB Lending Capacity
Online small business lender Fundation has partnered with community bank consortium BancAlliance to improve community banks’ small business lending ability.
BancAlliance is a network of more than 200 community banks in 40 states. Their combined assets would make them the country’s fourth largest bank by total locations and thirteenth largest by total assets.
The initiative includes the launch of a fin-tech platform developed by the two companies which allows small businesses in need of funding to peruse different loan products.
Participating community banks see lower lending and customer service costs as they provide more financing options for their clients, the companies said. New lenders have been invited to the platform in order to provide borrowers with additional choice.
BancAlliance board member and Bank of Bennington CEO Leslie Andersen said community banks are well-positioned to maximize the benefits of this new platform.
“Small businesses need credit to grow and add jobs, and community banks are the best lenders to serve them but have struggled with the costs of building their own systems and processes. This BancAlliance program gives its community bank members access to the best and latest technology, freeing banks like mine to deliver for our customers and help our local economies thrive.”
Fundation CEO Sam Graziano said community banks will see dramatically increased service capacity.
“Small businesses are so important to the economy and an extremely diverse market. They have demonstrated that they value the relationships they have with their bank, and continue to prefer to access financial products from their bank when possible.
This program will dramatically broaden the number of small business customers that can be served through the community bank system, and we are thrilled to be in a position to enable that.”
Fundation Wins Silver Stevie® Award For Sales & Customer Service
LAS VEGAS, NEVADA – March 5, 2016 – Fundation was presented with a Silver Stevie® Award in the Sales or Customer Service Solutions Technology Partner of the Year category in the 10th Annual Stevie Awards for Sales & Customer Service last night.
The Stevie Awards for Sales & Customer Service are the world’s top sales awards, business development awards, contact center awards, and customer service awards. The Stevie Awards organizes several of the world’s leading business awards shows including the prestigious American Business Awards and International Business Awards.
The awards were presented to honorees during a gala banquet on Friday, March 4 at the Paris Hotel in Las Vegas. More than 500 executives from the U.S.A. and several other nations attended.
More than 2,100 nominations from organizations of all sizes and in virtually every industry were evaluated in this year’s competition, an increase of 11% over 2015. Finalists were determined by the average scores of 115 professionals worldwide, acting as preliminary judges. Entries were considered in 59 categories for customer service and contact center achievements, including Contact Center of the Year, Award for Innovation in Customer Service, and Consulting Practice of the Year; more than 50 categories for sales and business development achievements, ranging from Senior Sales Executive of the Year to Business Development Achievement of the Year; and categories to recognize new products and services and solution providers.
More than 60 members of several specialized judging committees determined the Gold, Silver and Bronze Stevie Award placements from among the finalists during final judging earlier this month.
“Entries to the Stevie Awards for Sales & Customer Service continue to grow every year, further validating the essential roles that business development, customer service, and sales play in business success,” said Michael Gallagher, president and founder of the Stevie Awards. “The widespread support of this program made the 2016 competition that much more intense among finalists. The judges were deeply impressed by the winners’ accomplishments, and we congratulate all of the winners on their commitment to excellence and innovation.”
Details about the Stevie Awards for Sales & Customer Service and the list of Stevie winners in all categories are available at www.StevieAwards.com/sales.
About Fundation
Fundation combines the benefits of a bank loan with the ease and efficiency of an online lender. We offer conventional loans with competitive rates to businesses with varying credit profiles. Our technology allows us to deliver capital in 2 business days or less, through a streamlined electronic process. Fundation is a direct lender: we originate loans with our own capital and keep loans we originate on our balance sheet. Because we commit our own money to fund your business loan, our interests are aligned with yours. We are successful when your business succeeds and you are able to repay your loan back to us. That means we will partner with you from the initial application process throughout the life of your loan. As your long-term partner, we offer the highest level of personalized service and best-in-class lending products, which is why our customers come back to us when they need advice or additional capital.
About the Stevie Awards
The Stevie Awards are conferred in six programs: The American Business Awards, the German Stevie Awards, The International Business Awards, the Stevie Awards for Women in Business, the Stevie Awards for Sales & Customer Service, and the Asia-Pacific Stevie Awards. A seventh program, the Stevie Awards for Great Employers, will debut in April 2016. Honoring organizations of all types and sizes and the people behind them, the Stevies recognize outstanding performances in the workplace worldwide. Learn more about the Stevie Awards at http://www.StevieAwards.com, and follow the Stevie Awards on Twitter @TheStevieAwards.
Sponsors of the 10th Annual Stevie Awards for Sales & Customer Service include ValueSelling Associates.
Fundation Expands Small Business Lending
Businesses looking to take out a loan from a local community bank now have more options.
Online small business lender Fundation and BancAlliance, a network of community banks, have teamed up to expand access to loans for small businesses.
BancAlliance is a network of more than 200 community banks across 40 states.
Hook up with community banks
The program, developed by the 2 organizations, allows small businesses to use an online portal that will help guide them to the products that best meet their needs.
"This program will dramatically broaden the number of small business customers that can be served through the community bank system, and we are thrilled to be in a position to enable that," Sam Graziano, CEO of Fundation, said in a press release.
The program expands customer access to credit products for small businesses and reduces the inherent costs in small-business lending, the CEO said.
"Community bankers have frequently told us about the challenges of operating a small business lending operation in a cost-efficient manner, and this program will begin to change that dynamic," Brian Graham, manager for the BancAlliance network, said in a press release.
Fundation loans
Fundation offers conventional loans of $20,000 to $500,000.
The loan features include fixed-rate installments, with payments that are structured like a fixed-rate mortgage.
It also allows borrowing for short-term working capital needs and long-term borrowing up to 4 years.
Like personal loans, small business loans through the company require no specific collateral. You can prepay without any penalty, and small businesses have the option to apply for refinancing once a solid payment history is established.
Annual percentage rates range from 7.99% to 29.99%.
Eligibility
In order to be eligible for a loan through Fundation, you must be in business for at least 2 years, and have 3 employees, at least $100,000 in annual revenue and good personal credit.
Small Bank Consortium Strikes Deal to Offer Business Loans Online
by KEVIN WACK
More than 200 small banks across the country will be able to offer online loans to their small-business customers as part of a new partnership announced Tuesday.
Under the deal, community banks that are part of the BancAlliance consortium can refer customers who may not be the right fit for traditional bank financing to a website built with the online lender Fundation.
Ultimately, the loan may be funded either by New York-based Fundation or the partner bank. That determination will be made based on various factors, including the business owner's needs and creditworthiness.
For participating small banks, the idea is that improved efficiency will allow them to profit from smaller-dollar business loans that currently do not make economic sense.
"This program will dramatically broaden the number of small business customers that can be served through the community bank system," Fundation Chief Executive Sam Graziano said in a press release.Meanwhile, Fundation is expected to lend to many applicants who do not qualify for loans from participating banks. In those instances, the banks will get paid a referral fee.
The deal bears similarities to a consumer-lending partnership that BancAlliance and Lending Club announced in February 2015. Under that arrangement, some loans are funded by the participating banks, and others are financed by investors on the Lending Club platform.
Loans made through the Fundation partnership will be for $1 million or less, and they will not be principally secured by a piece of equipment or other hard collateral.
But beyond those broad parameters, it will be up to the participating banks to determine which products and terms they want to offer.
"Each bank gets to customize what it wants to provide to its customers," Brian Graham, the CEO of Alliance Partners, which manages the BancAlliance network, said in an interview.
Over time, additional lenders are expected to join the online portal. Those companies could include nonprofit lenders that specialize in microloans to newly formed businesses and firms that make loans backed by the Small Business Administration, according to Graham.
Fundation currently offers business loans between $20,000 and $500,000. The firm's loans have terms of one to four years, and they carry annual percentage rates of between 7.99% and 29.99%. Unlike some other online lenders, Fundation's loans do not have prepayment penalties.
Fundation, which was founded in November 2011, has made partnering with banks a key part of its strategy. In October it announced a partnership to make cobranded business loans with Regions Financial.
Community Bank Alliance Widens Silicon Valley Offerings
Companies in the BancAlliance, a network of more than 200 community banks, can now offer their customers two of Silicon Valley's latest commodities.
Digital lender Fundation Group LLC on March 1 announced a partnership with BancAlliance that would allow the consortium's members access to a Fundation software platform, continuing a trend of increasing partnershipsbetween banks and digital lenders. It is the second major partnership for BancAlliance, which last year launched a joint venture with LendingClub Corp. BancAlliance also offers a commercial loan program led by an affiliated asset manager, Alliance Partners, that sources and underwrites opportunities for member banks.
LendingClub's and Fundation's product offerings are discrete and separate, with LendingClub offering consumer loans and Fundation focused on small business loans. Both partnerships are "co-branded" meaning the consumer will see a product pitch from the bank with phrasing such as "powered by" the digital lender.
A key difference between LendingClub's and Fundation's partnerships with BancAlliance is scope.
"The biggest difference is the LendingClub partnership is utilizing much more of the LendingClub consumer lending model, whereas in this case Fundation is acting more as a software vendor," said Adam Hoehn, a director for BancAlliance.
However, Fundation is not purely a software provider. The company expects banks will also offer Fundation loans. For example, a customer could access the platform, enter the relevant details for a desired loan and receive offers from both the bank and Fundation.
CEO Sam Graziano said the platforms will be highly customizable among banks, so they could decide to not offer Fundation loans at all. Fundation loans are highly focused, targeting small business loans of less than $1 million that are not backed by collateral.
When talking about Fundation's role, Graziano mentions software vending first and nonbank financing second. And because when the company does fund loans it does so with its own balance sheet, he rejects the label of marketplace lender.
"Our strategy is to be the leading partner to the banking system," he said. "We're going to do that through customized, bespoke relationships with large banks and then we're going to do it for [smaller banks with] a more uniform, systematic approach like we're doing here with BancAlliance."
The company last year announced a partnership with Regions Financial Corp., and Graziano said the company would gladly custom design a new platform for any similarly sized banks. However, developing such custom sites for smaller community banks can be tough from a cost perspective, he said. The platforms available to BancAlliance members will be customizable for which products banks present but consistent enough that Fundation does not need to develop a new platform for each bank.
Eventually, Graziano said the BancAlliance platforms will offer new products over time, starting with other areas of need for small businesses such as loans guaranteed by the Small Business Administration. He said the platform would only offer one company per product offering.
"This is not going to be a competitive marketplace," Graziano said. "Any lender that gets added will need to meet a very high bar of their ability to be a material vendor of the banking system, and that's a very different bar than just participating in the nonbank finance market broadly."
Even if banks do not wish to offer Fundation products or any other third-party products, the platform collects and delivers data in a way that reduces underwriting costs, Graziano and BancAlliance's Hoehn said.
With the LendingClub partnership, BancAlliance members exclusively offer access to the LendingClub product, as opposed to offering other products, Hoehn said. Each community bank has initial access to invest in the loans their customers seek on the platform, but the loan is still originated by LendingClub's model.
LendingClub CEO Renaud Laplanche said the Fundation partnership was a welcome development and would not represent a competitive pressure since it had a different focus. While the BancAlliance-Fundation partnership just launched — meaning banks have yet to sign up — the joint venture with LendingClub was announced in February 2015. Neither Laplanche nor Hoehn were willing to offer numbers of banks who have signed up for the LendingClub partnership, but they said traction has been strong.
"We have new banks signing up every quarter. I'd say it's been a very successful partnership," Laplanche said, highlighting the marketing efficiency of using both LendingClub's brand and the bank's brand, similar to the Fundation partnership. "The LendingClub brand is all about innovation, being consumer friendly and portable. But it's new and a lot of people are not familiar with it. On the flipside, the bank's brand is very reassuring and familiar, so I think the combination of these two is very powerful."
An Online Lender `Disrupting' Banks? More Like Helping Out
- Lending startup Fundation enters pact with more than 200 banks
- Program aims to reduce `friction' in small-business lending
More than 200 U.S. banks are finding not every financial-technology startup is out to steal their business.
Fundation, an online lender founded 2011, announced a partnership Tuesday with BancAlliance, a network of community banks spanning 40 states. The deal has two parts: Banks get access to a Fundation platform that simplifies underwriting for small-business loans. Fundation, in turn, can offer credit to customers that don’t fit the banks’ borrowing criteria.
The arrangement echoes a deal BancAlliance reached with LendingClub Corp. last year to help community banks provide personal loans to their customers. At the time, that partnership showed Silicon Valley was starting to approach traditional lenders more amicably than some startups’ bank-bashing suggested.
Over the past few years, a growing number of new ventures have muscled into financial services. There are websites now where borrowers can get financing for small businesses, elective medical procedures, consolidation of credit-card and student-loan debts, and even to open a franchise restaurant.
Seeking Partners
Fundation has made a bank-friendly pitch central to its strategy. Last year, the startup struck a deal with Regions Financial Corp. to share technology and offer loans to borrowers that the bank doesn’t lend to.
“We really don’t emphasize, like so many companies in our market do, trying to disintermediate banks,” Fundation Chief Executive Officer Sam Graziano said in a phone interview. “We want to be the leading partner to the banking system.”
Others are pursuing a similar strategy. OnDeck Capital Inc. struck a deal with JPMorgan Chase & Co. late last year to speed up lending to small businesses. The online lender followed up that arrangement weeks later with a referral agreement with Commonwealth Bank of Australia, the continent’s largest lender.
The appeal of the latest Fundation pact is simple, said Brian Graham, CEO of Alliance Partners, the manager for the BancAlliance network. Most community lenders don’t have the technological resources to make certain segments of small-business lending economically viable.
“It costs the bank the same to underwrite a $500,000 loan as it does a $5 million loan,” he said in an interview. “Loans under $250,000, most banks lose money on.”
Setting Terms
Fundation’s main products are fixed-rate installment loans. Under the partnership, loans will be capped at $1 million. Specific terms and interest rates will be left to the partnering banks, Graham said. Whichever institution underwrites the debt keeps the servicing rights.
Partnering with Fundation won’t replace community banks’ normal due-diligence on borrowers, Graham said. But it will remove some of the “friction” in the process.
“This isn’t about automating everything,” Graham said. “In small business, in particular, you can't do $500,000 without talking to a person.”
BancAlliance and Fundation Form Partnership to Bring Small Business Lending Technology Solution to Community Banks
NEW YORK and CHEVY CHASE, Md., March 1, 2016 /PRNewswire/ -- BancAlliance, a network of more than 200 community banks across 40 states, and Fundation, an online small business direct lender, today announced a partnership that advances the small business lending capabilities of community banks and brings greater choice and simplicity to small businesses seeking credit from their local community bank.
The program includes the introduction of a new financial technology platform, developed and operated by BancAlliance and Fundation, allowing small businesses to access an online portal that will guide each small business customer to the products that best meet its unique needs.
The program will benefit community banks that participate by reducing the costs inherent in small business lending and expanding customer access to a competitive set of credit products offered by the community banks themselves and by Fundation. To maximize the choices available to small businesses throughout the country, BancAlliance and Fundation expect to invite to the program additional lenders that address the credit needs of small businesses outside the banks' and Fundation's capabilities.
The program is designed to allow each community bank to preserve a high level of control over customer experience, credit products offered to their customers and utilization of their balance sheet, directly or indirectly through Fundation.
BancAlliance is a collaborative network of community banks that empowers its members to access growth opportunities that might not otherwise be available to them and to serve their customers in new ways. Community bank members typically range from $100 million to $10 billion in assets. In aggregate, BancAlliance's member base would rank as the fourth-largest U.S. bank in branch count and 13th-largest in total assets.
Leslie Andersen, president and CEO of Bank of Bennington in Nebraska and a member of the BancAlliance Board of Directors, stated: "Small businesses need credit to grow and add jobs, and community banks are the best lenders to serve them but have struggled with the costs of building their own systems and processes. This BancAlliance program gives its community bank members access to the best and latest technology, freeing banks like mine to deliver for our customers and help our local economies thrive."
Brian Graham, CEO of Alliance Partners, the manager for the BancAlliance network, stated: "Community banks have historically been the bedrock on which so many small businesses have been built and flourished, and we are proud that this program will help to continue that tradition. Community bankers have frequently told us about the challenges of operating a small business lending operation in a cost-efficient manner, and this program will begin to change that dynamic."
Sam Graziano, CEO of Fundation, added: "Small businesses are so important to the economy and an extremely diverse market. They have demonstrated that they value the relationships they have with their bank, and continue to prefer to access financial products from their bank when possible. This program will dramatically broaden the number of small business customers that can be served through the community bank system, and we are thrilled to be in a position to enable that."
About BancAlliance
The BancAlliance network is a shared lending platform in service to its community bank members. Our mission is to enable our members, the banks that direct our activities, to prudently diversify into high-quality loans in a manner consistent with the highest commercial and regulatory standards—without changing the nature or mission of the traditional community bank. BancAlliance has member banks located throughout the country. Learn more at www.bancalliance.com.
About Alliance Partners
Alliance Partners is an asset-management and advisory firm focused on helping regulated financial institutions and other investors optimize their asset strategies and build more profitable and more balanced loan and investment portfolios. Learn more at www.alliancepartners.com.
About Fundation
Fundation is a leading online lender to businesses nationwide. Fundation partners with a broad array of financial and nonfinancial institutions that serve the small business market in a variety of capacities to bring value-added credit solutions. Fundation builds customized product offerings and delivery methods to meet the needs of each unique partner and the credit needs of its small commercial customers. Visit http://5kb.f76.myftpupload.com for more information.