A second underwriting desk for CDFIs and mission lenders.

When the pipeline outgrows the staff, an SBA review is on the calendar, or a technical assistance budget needs a program behind it, we step in. We know the work from the inside: as Chief Lending Officer of The Business Consortium Fund, Ruben played a key role in its lending mission and its designation as a certified Community Development Financial Institution.

A community lender's committee table in early light: loan files tied with cotton tape, an open binder with tabbed dividers and a green glass banker's lamp.

What we take on.

Outsourced underwriting

Credit memos written to your policy and in your committee's format, for the files your staff cannot reach this month. The same discipline we bring to our own clients' files, pointed at your pipeline.

SBA review support

SBA reviews come around every eighteen months or so, and getting ready for one takes time a lean staff rarely has. We go through the files first, close the gaps, and prepare your team for the questions.

Financial literacy workshops

Sessions for your borrowers and constituents on reading their own numbers, keeping clean books and getting ready to borrow, taught by bankers who spent careers on the approving side of the desk.

Technical assistance programs

Technical assistance funding needs a program behind it. We help you design one, then deliver it, from workshops to monthly bookkeeping your borrowers actually keep up with.

Portfolio and back-office work

Books cleaned up, loans moved from one entity to another, and the procedure written down so your staff can run it the next time without us.

For CDFIs, SBIC funds, nonprofit lenders and community development organizations. Engagements are scoped to the files, the review or the program in front of you, and priced in a written proposal.

We have sat on your side of the table.

Ruben Rodriguez of RSCCA seated at a walnut table under a brass lamp.

Ruben spent more than 35 years designing loan programs and capital strategies to help businesses often overlooked by traditional banks gain access to financing. As Chief Lending Officer of The Business Consortium Fund, he played a key role in advancing its lending mission and its designation as a certified CDFI. Rafael leads the firm's financial education work with CDFIs and non-profits.

Today we underwrite for CDFIs and SBIC funds. We know what your committee needs to see, what your funders report on, and what an examiner will ask.

18

months, give or take, between SBA reviews. The time to get ready is before the letter arrives.

Technical assistance that shows up in the loan file.

  1. You set aside part of the budget

    A share of your technical assistance funding is earmarked for borrowers' bookkeeping.

  2. We keep the borrower's books

    Every month, closed and reconciled. The program covers part of the cost and the borrower pays the rest.

  3. Both sides of the loan get stronger

    The owner learns their numbers, and your loan officer gets current statements on a loan you hold.

Start with an hour about your pipeline, your review or your program.

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