Starfield & Smith, P.C.

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2016 Newsletters
Best Practices: The “Art” of Ordering Public Records Searches (5/11/2016)
Best Practices: Executed Purchase-Sale Agreements (5/4/2016)
Best Practices: Collateral Securing Guaranties (4/27/2016)
Best Practices: Leasing Part of a Building Acquired with SBA Loan Proceeds (4/20/2016)
Best Practices: When Between a Rock and a Hard Place, Facts Matter! (4/13/2016)
Best Practices: Oversight, Overruns, and Managing Construction Projects (4/6/2016)
Best Practices: Documenting Disbursements: Construction Loans (3/30/2016)
Best Practices: New Minimum Standard Requirements for ALTA Surveys (3/23/2016)
Best Practices: Getting the SBA Fundamentals Right (3/16/2016)
Best Practices: Make NO Mistake – Circuit Courts Rule Against Lenders for Minor Errors in Security Documents (3/9/2016)
Best Practices: SBA Requirements for Debt Refinancing (3/2/2016)
Best Practices: Understanding the Automatic Stay in Bankruptcy (2/24/2016)
Best Practices: What Every Witness Should Know Before Giving A Deposition (2/17/2016)
Best Practices: Liquor License Liens (2/10/2016)
Best Practices: Landlord Waivers for Leasehold Improvement Loans (2/3/2016)
Best Practices: Lender’s Responsibilities for Disbursing an SBA Loan (1/27/2016)
Best Practices: Closing Instruction Letters (1/20/2016)
Best Practices: New Year, New Policies and Procedures (1/13/2016)
Best Practices: Lenders’ duty to give timely notice of potential title insurance claims (1/6/2016)

2015 Newsletters
Happy New Year (12/30/2015)
Happy Holidays (12/23/2015)
Best Practices: When is Equity Injection not really “Equity Injection?” (12/16/2015)
Best Practices: Help! What Searches Should I Order? (12/9/2015)
Best Practices: Yes, I Would Like a Printed Receipt (12/2/2015)
Happy Thanksgiving (11/25/2015)
Best Practices: The Duty To Preserve Potentially Relevant Information In The Face Of Possible Litigation (11/18/2015)
Best Practices: The Importance of Non-Compete Agreements (11/11/2015)
Best Practices: Change of Ownership Challenges (11/4/2015)
Best Practices: SBA Life Insurance Requirements (10/28/2015)
Best Practices: What is Title Insurance, Anyway? (10/21/2015)
Best Practices: Consideration for Environmentally Contaminated Commercial Real Estate (10/14/2015)
Best Practices: Program Integrity and Loan Agents (10/7/2015)
Best Practices: U.S. Supreme Court Ends Lien Stripping of Junior Mortgages in Liquidation Cases (9/30/2015)
Best Practices: NEW Credit Elsewhere Rules Effective 10/1/2015 (9/23/2015)
Best Practices: An Overview of SBA Construction Loan Requirements (9/16/2015)
Best Practices: The Value of Obtaining a Pro Forma Title Policy (9/9/2015)
Best Practices: SBA’s Franchise “Magic Words” (9/2/2015)
Best Practices: Settling A Business Dispute Without Fear Of Making An Admission (8/26/2015)
Best Practices: Franchise Area Development Agreements (8/19/2015)
Best Practices: Florida Documentary Stamp Tax and Nonrecurring Intangible Tax Refresher (8/12/2015)
Best Practices: Succession Plans (8/5/2015)
Best Practices: New Credit Elsewhere Requirements Effective 10/1/2015 (7/29/2015)
Best Practices: Common Insurance Errors and Their Impact on the SBA Guaranty (7/22/2015)
Best Practices: Early Lender Response on Borrower Defaults (7/15/2015)
Best Practices: Making Sense of Management Agreement Eligibility (7/8/2015)
Best Practices: Obtaining a First Priority Security Interest in Fixtures (7/1/2015)
Best Practices: Due Diligence Documents for Single-Member LLCs (6/24/2015)
Best Practices: Negotiating Landlord Waivers (6/17/2015)
Best Practices: Payoff Letters (6/10/2015)
Best Practices: Beware Brokers or Dealers Masquerading as Franchisees (6/3/2015)
Best Practices: The Rules Used To Make The Rules (5/27/2015)
Best Practices: NEW E-Tran Requirements in SOP 50 10 5(H) (5/20/2015)
Dude, Where’s My Car? Managing Personal Property Belonging To Third Parties Left On Acquired Real Estate (5/13/2015)
Best Practices: Clarifications to SBA’s Debt Refinance Requirements (5/6/2015)
Best Practices: Proving Eligibility for Debt Refinance Transactions (4/29/2015)
Best Practices: What Type of Environmental Review is Required? (4/22/2015)
Best Practices: Title Insurance: Keeping Up with Endorsements (4/15/2015)
Best Practices: Documenting Disbursements on Multi-Disbursement Loans (4/8/2015)
Best Practices: Obtaining Valid and Enforceable Loan Documents Under Florida’s Revised Limited Liability Company Act (4/1/2015)
Best Practices: Real Property Surveys (3/18/2015)
Best Practices: Avoiding Improper Lien Position (3/11/2015)
Best Practices: Working Out with the SBA (3/4/2015)
Best Practices: Lender Liability, A Primer (Part 2) (2/25/2015)
Best Practices: When Can A Debtor Seek To Open Or Strike A Confessed Judgment In Pennsylvania? (2/18/2015)
Best Practices: New E-Tran Requirements in the 7(a) Servicing and Liquidation Matrix (2/11/2015)
Best Practices: Amending Your Credit Approval (2/4/2015)
Best Practices: Documenting Business Condominium Insurance (1/28/2015)
Best Practices: Affiliation Determinations and Franchise Agreements (1/21/2015)
Best Practices: Contemplating the Submission of a 10 Tab Guaranty Purchase Request to SBA (1/14/2015)
Best Practices: Clarification of Credit Bureau Reporting SOP 50 57 - 7(a) Loan Servicing and Liquidation (1/7/2015)
Happy New Year! (12/31/2014)

2014 Newsletters
Happy Holidays 2014 (12/24/2014)
Best Practices: SBA Electronic Signature Requirements – A Primer (12/17/2014)
Best Practices: Documenting Business Credit Card Debt on a Personal Credit Card (12/10/2014)
Best Practices: Lender Liability, A Primer (Part 1) (12/3/2014)
Happy Thanksgiving (11/26/2014)
Best Practices: When is the Sale of an SBA Loan Obligor’s Business Personal Property “Voluntary”? (11/19/2014)
Best Practices: Foreclosure and Its Effect on Commercial Leases: Why SNDAs Should be Considered When Financing Business Loans (11/12/2014)
Best Practices: When to Charge Off a 7(a) Loan (11/5/2014)
Best Practices: Revisions to 504 Loan Program Guidelines Help Program Participants (10/29/2014)
Best Practices: SBA Loans to “Salon Suite” Type Business Models (10/22/2014)
Best Practices: Electronic Signatures and SBA Lending (10/15/2014)
Best Practices: Allowing An SBA Loan Obligor To Voluntarily Sell Business Personal Property Collateral (10/8/2014)
Best Practices: Franchise Reviews under SOP 50 10 5(G) (10/1/2014)
Best Practices: Prompt Liquidation of SBA Loans Can Avoid Unanticipated Costs (9/24/2014)
Best Practices: The Antideficiency Act and the 504 Loan Program (9/17/2014)
Best Practices: The Eligible Passive Company Rule (9/10/2014)
Best Practices: Bankruptcy Sales to Insiders (9/3/2014)
Best Practices: The Internal Investigation (8/27/2014)
Best Practices: Acquiring SBA Loans from the FDIC; What SBA Lenders Should Know (8/20/2014)
Best Practices: Adequate Equipment Lists Limit Guaranty Repairs and Denials (8/13/2014)
Best Practices: Mitigating Risks of Intervening UCC Filings with Payoff Letters (8/6/2014)
Best Practices: Project Cost Computations (7/30/2014)
Best Practices: Lender’s Responsibilities for Disbursements in SBA Loans (7/23/2014)
Best Practices: Three Things Lenders Must Look for when Reviewing Entity Documents (7/16/2014)
Best Practices: Intercreditor Agreements (7/9/2014)
Don’t Do That; Do This Instead (7/2/2014)
Recently Announced Changes in the Credit Standards for 7(a) Small Loans (6/25/2014)
Best Practices: Florida Sales and Use Tax on Commercial Rental Payments (6/18/2014)
Best Practices: The “Art” of Ordering Public Records Searches (6/11/2014)
Best Practices: Lender’s Loss Payee vs. Loss Payee: What’s the Difference? (6/4/2014)
Best Practices: Another Way “Use of Proceeds” Matters: Franchisees and Area Developers (5/28/2014)
The Inspector General’s Goals for FY 2015 (5/21/2014)
Best Practices: Dealing With Judgments And Lawsuits Involving A Party To A Prospective Loan Transaction (5/14/2014)
Best Practices: Curative Measures for Recorded Instruments (5/7/2014)
Best Practices: Recognition and Non-Disturbance Agreements for Subtenants (4/30/2014)
Best Practices: Business Entity Documents – Are Your Loan Documents Enforceable? (4/23/2014)
Best Practices: Updated Rules Regarding Recoverable Expenses on 7(a) Loans (4/16/2014)
Best Practices: Technical Corrections to SOP 50 10 5(F) (4/2/2014)
SBA Issues Final Rule Regarding Personal Resources Test (3/26/2014)
Best Practices: The SBA’s New Charge-off Tabs (3/19/2014)
Best Practices: Florida Lease Agreements Must Be Properly Witnessed to be Valid and Enforceable (3/12/2014)
Liquidation Leverage in SBA Lending – Opportunities to Protect Your Loan Guaranty When Your Borrower Defaults (3/5/2014)
Best Practices: A Lender’s Burden of Proof: The Materiality Standard (2/26/2014)
Best Practices: Bankruptcy Sales – The Credit Bid Conundrum (2/19/2014)
Best Practices: Avoiding Businesses with an Associate of Poor Character under the new SOP 50 10 (5)(F) (2/12/2014)
Best Practices: Dealing with Custodian of Records Subpoenas & Depositions (2/5/2014)
Leasehold Mortgage vs. Collateral Assignment of Lease (1/29/2014)
What Lenders Need to Know about SBA Forms 1919 and 1920SX for 7(A) Applications (1/22/2014)
Best Practices: Early Defaults Equal Extra Scrutiny from the SBA (1/15/2014)
Best Practices: Lender Liability (1/8/2014)
Happy New Years (1/1/2014)

2013 Newsletters
Happy Holidays (12/25/2013)
NEW SOP 50 10 5(F) EFFECTIVE JANUARY 1, 2014: ARE YOU READY? (12/18/2013)
Best Practices: Avoiding Businesses with an Associate of Poor Character under the new SOP 50 10 (5)(F) (12/11/2013)
Best Practices: Insuring and Rating Mortgage Modifications Under Florida's SBA 504 Closing Pilot Program (12/4/2013)
Happy Thanksgiving (11/27/2013)
Best Practices: Avoiding the Unauthorized Practice of Law and Lender Liability Claims (11/20/2013)
Best Practices: Indemnification Clauses in Purchase Agreements (11/13/2013)
Best Practices: Potential Pitfalls in Bankruptcy Plan Voting (11/6/2013)
Starfield & Smith Express (11/4/2013)
Best Practices: Required Financial Analysis for SBA 7(A) Loans Over $350,000 Under SOP 50 10 5(F) (10/30/2013)
Introducing Starfield & Smith Express (10/29/2013)
Best Practices: Bond Financing in 504 Loans (10/23/2013)
Best Practices: SBA Lenders Should Revisit The Terms Of Their Guarantees In Light Of Upcoming SOP Changes (10/16/2013)
Best Practices: NEW Collateral Requirements under SOP 50 10 5(F) (10/9/2013)
Best Practices: Franchise Reviews under the SOP 50 10 5 (F) (10/2/2013)
NEW SOP 50 10 5(F) BRINGS BIG CHANGES TO SBA LOAN PROGRAM REQUIREMENTS (9/25/2013)
Best Practices: Early Default Loans and the Guaranty Purchase Package-Startups & Acquisitions (9/18/2013)
Best Practices: Securing Unique Collateral (9/11/2013)
SBA Suspension and Debarment (9/4/2013)
Best Practices: Tax Lien and Judgment Searches (8/28/2013)
Best Practices: Florida Documentary Stamp Tax and Nonrecurring Intangible Tax - Out-of-State Loans (8/21/2013)
Best Practices: Builder's Risk Insurance (8/14/2013)
Best Practices: The New SBA Litigation Plan Tabs (8/7/2013)
Best Practices: "Florida Revised Limited Liability Company A (7/31/2013)
Best Practices: What is an IPERA Audit and Why Should I Care (7/24/2013)
Best Practices: Early Default Loans and the Guaranty Purchas (7/17/2013)
Best Practices: Is Greater Bankruptcy Protection for Tradema (7/10/2013)
Best Practices: NEW SBA Change of Ownership Rules (7/3/2013)
Best Practices: Workout of an SBA Loan (6/26/2013)
Best Practices: The Revised Third Party Lender Agreement (6/19/2013)
Best Practices: Basics of Real Estate Security (6/12/2013)
Best Practices: Timing to Perfect a Purchase Money Security (6/5/2013)
Best Practices: Changes to SBA Form 912 (5/29/2013)
Best Practices: When A Guarantor Or Surety Asserts A Statute (5/22/2013)
Best Practices: Abandonment of Environmentally Contaminated (5/15/2013)
Best Practices: SOP 50 57 Update: What Lenders Need to Know (5/8/2013)
Best Practices: Lender Liability Under the Federal False Claims Act (5/1/2013)
Best Practices: New SBA 504 Loan Document Certifications (4/24/2013)
Best Practices: 10 Tab Timing: Submission of Guaranty Purcha (4/17/2013)
Best Practices: SBA Continuing to Streamline Rules for Chang (4/10/2013)
Best Practices: Amending Note Terms Under SOP 50 57 (4/3/2013)
Best Practices: New Operational and Organizational Requireme (3/27/2013)
Best Practices: Know Your Debtor (3/20/2013)
Best Practices: Navigating the Updated SBA Franchise Registr (3/13/2013)
Best Practices: SBA's Proposed Changes to the Affiliation Ru (3/6/2013)
Best Practices: SBA's Proposed Elimination of the Personal R (2/27/2013)
Best Practices: Working with the Franchisor under an Assignm (2/20/2013)
Best Practices: A Race to the Debenture: Mechanics of an SBA (2/13/2013)
Best Practices: Guaranty Purchase Packages: Common Deficienc (2/6/2013)
California Supreme Court Rules: Borrowers Can Introduce Evidence re Oral Promises Allegedly Made by Lender to Invalidate Agreements Based on Lender Fraud (1/30/2013)
SOP 50 57: 7(a) Servicing and Liquidation (1/23/2013)
Best Practices: SBA'S INTERNATIONAL TRADE LOANS (1/16/2013)
Best Practices: Determining Ownership Interests in a Small (1/9/2013)
Happy New Years (1/2/2013)

2012 Newsletters
Happy Holidays (12/26/2012)
Best Practices: There's a New Sheriff in Town... (12/19/2012)
Best Practices: Credit Bidding to Protect Your SBA Guaranty (12/12/2012)
Best Practices: Forcing the Issue: Force Placing Insurance for 7(a) Loans (12/5/2012)
Best Practices: Life Insurance (11/28/2012)
Happy Thanksgiving (11/21/2012)
Best Practices: Not All Surveys are Created Equal: The ALTA Survey (11/14/2012)
Best Practices: Franchise Eligibility Issues Not Specifically Addressed in the SOP (11/7/2012)
Best Practices: Getting the Most Out of Borrower's Counsel (10/31/2012)
Best Practices: What to do If the OIG is Investigating You (10/24/2012)
Best Practices: How Much Title Insurance Do I Need? (10/17/2012)
Best Practices: Existing Third Party Tenants and EPC/OC Leases (10/10/2012)
Best Practices: SBA expands the definition of "Rentable Property" (10/3/2012)
Best Practices: 7th Circuit Decision - Extends Greater Banker Protection to IP Licenses... For Now (9/26/2012)
Best Practices: Documenting Disbursement of 7(a) Loan Proceeds (9/19/2012)
Best Practices: Troubleshooting UCC Search Issues (9/12/2012)
Best Practices: Servicing and Monitoring Working Capital CAPlines (9/5/2012)
Starfield & Smith, PC Expands (8/29/2012)
Best Practices: Legal Impediments to Pledging Collateral (8/22/2012)
Best Practices: Review of Business Entity Documents (8/15/2012)
Best Practices: Avoiding Fraud, Waste and Abuse (8/8/2012)
Best Practices: All Available Collateral (8/1/2012)
Best Practices: California Short Sales on Residential Real Estate (7/25/2012)
Best Practices: Change of Ownership: Stock Redemptions (7/18/2012)
Best Practices: Litigation Plans For 7(a) Loans (7/11/2012)
Happy 4th of July (7/4/2012)
Best Practices: Franchisor Employer Liability and SBA Eligibility (6/27/2012)
Best Practices: New SBA Interest Rate Policy (6/20/2012)
Best Practices: Timeliness of Title and Survey Objection Notices (6/13/2012)
Best Practices: Get to Know the New SOP (6/6/2012)
Best Practices: New Debt Refinancing Rules (5/30/2012)
Best Practices: Occupancy Requirements in the SBA 7(a) Program (5/23/2012)
Best Practices: Non-Competition Agreements (5/16/2012)
Best Practices: Understanding the 504 Loan Funding Process (5/9/2012)
Best Practices: Surveys (5/2/2012)
Best Practices: SBA Eligibility of non-U.S. Citizen Owned Businesses (4/25/2012)
Best Practices: New Construction and the Use of Loan Proceeds (4/18/2012)
Best Practices: Collateral Assignment of Life Insurance Policy as Collateral: Review the Policy Too! (4/11/2012)
Best Practices: EPC Rule Clarification (4/4/2012)
Best Practices: Protecting the SBA Guaranty (3/28/2012)
Best Practices: Florida Documentary Stamp and Nonrecurring Intangible Taxes in Real Estate Secured Loans– Tread with Care (3/21/2012)
Best Practices: Negotiating Additional Title Insurance Coverage by Altering or Amending the Standard Title Exceptions (3/14/2012)
Best Practices: "Hidden" Liens - Corporate Tax Lien Certificates (3/7/2012)
Best Practices: Landlord's Waivers: When are they Needed? (2/29/2012)
Best Practices: ACORD Insurance Certificates (2/22/2012)
Best Practices: Perfecting Against an Individual Debtor under the 2010 Amendments to UCC Article 9 (2/15/2012)
Best Practices: Liquidating SBA Loans and the Revised 10 Tab System (2/8/2012)
Best Practices: Statement of Business Purpose (2/1/2012)
Best Practices: Equity Injection Requirements for Intangible Assets (1/25/2012)
Best Practices: SBA Form 912: Truthful or Not? (1/18/2012)
Best Practices: Flood Insurance - Saving Your Guaranty for a Rainy Day (1/4/2012)

2011 Newsletters
Happy New Year from Starfield & Smith, P.C. (12/28/2011)
Best Practices: The Art of Ordering Searches (12/14/2011)
Best Practices: Final Rule on 504 Debt Refinancing (12/7/2011)
Best Practices: Closing Protection Letters: Protecting Lenders in Closings by Agents (11/30/2011)
Best Practices: Agricultural Liens and Article 9 of the UCC (11/16/2011)
Best Practices: Collateral Options for Working Capital CAPLines (11/9/2011)
Best Practices: Disbursing Without a Borrowing Base Under the New Working Capital CAPline Program (11/2/2011)
Best Practices: New SOP Requirements (10/26/2011)
Best Practices: Refinancing Change of Ownership Debt (10/19/2011)
Best Practices: New SOP Insurancen Requirements (10/12/2011)
Best Practices: Changes to Franchise Eligibility Guidelines (10/5/2011)
Best Practices: Major SOP Changeson the Way for Lenders (9/28/2011)
Victor A. Diaz, Esquire to join Starfield & Smith, P.C. (9/21/2011)
Best Practices: Business Purchase Agreements (9/14/2011)
Best Practices: Lender's Authority to Release and Substitute Collateral (9/7/2011)
Best Practices: Commercial Real Estate Appraisal Requirements (8/31/2011)
Best Practices: Educating Third Party Lenders (8/24/2011)
Best Practices: Executed Purchase-Sale Agreements (8/17/2011)
Best Practices: Refinancing of Same Lender Debt (8/10/2011)
Best Practices: SBA Guaranty Fees (8/3/2011)
Best Practices: Documenting Use of Proceeds (7/27/2011)
Best Practices: Requiring California Limited Partnerships and California Revocable Trusts to Guaranty SBA Loans (7/20/2011)
Best Practices: New Fixes to the SBA 504 Temporary Debt Refinancing Program (7/13/2011)
Best Practices: EPC's and Oil & Gas Leases (7/6/2011)
Best Practices: Adequate Collateral (6/29/2011)
Best Practices: SBA Insurance Requirements for Construction Financing (6/22/2011)
Best Practices: Avoiding Repairs Through Proper Servicing (6/15/2011)
Best Practices: Refinancing Credit Card Debt (6/8/2011)
Best Practices: Trusts in SBA Lending (6/1/2011)
Best Practices: Title Insurance: Endorsements for Specific Situations - Mortgage Modifications and Swaps (5/25/2011)
Best Practices: Stock Purchase Update (5/18/2011)
BEST PRACTICES: KEY CHANGES TO THE SBA 504 TEMPORARY DEBT REFINANCING PROGRAM AIMED TO ATTRACT MORE LOANS (5/11/2011)
BEST PRACTICES: LEASEHOLD MORTGAGE FINANCING (5/4/2011)
BEST PRACTICES: SBA Policy Change: Secondary Market Sales by "High-Risk" Lenders (4/27/2011)
Best Practices: Using an SBA 7(a) Loan to Refinance 504 Project Related Debt (4/20/2011)
Best Practices: SBA Standby Agreements (4/13/2011)
BEST PRACTICES: TITLE INSURANCE: ENDORSEMENTS FOR SPECIFIC SITUATIONS - ACCESS (4/6/2011)
Best Practices: Financing Residential Space (3/30/2011)
Best Practices: Confirming Release of Liens (3/23/2011)
Best Practices: Updated PLP Eligibility Checklist (3/16/2011)
BEST PRACTICES: FICTITIOUS NAMES (3/9/2011)
Best Practices: Structuring a Partner Buyout as a Stock Redemption: Potential Tax Consequences Arising from the New Change of Ownership Rules (3/2/2011)
Best Practices: How to Use the SBA Franchise Findings List (2/23/2011)
Best Practices: Guaranty Purchases and the Materiality Standard (2/16/2011)
BEST PRACTICES: MARKETABLE TITLE: INSURING THE SALEABILITY OF REAL ESTATE (2/9/2011)
BEST PRACTICES: BULK SALES COMPLIANCE (2/2/2011)
Best Practices: Servicing Your SBA Loan - Borrower Name Change (1/26/2011)
Best Practices: Documenting SBA Loan Disbursements (1/19/2011)
Best Practices: Avoiding Repairs Through Proper Servicing (1/12/2011)
Best Practices: New SBA Policy on Agents (1/5/2011)

2010 Newsletters
Happy New Year from Starfield & Smith, P.C. (12/29/2010)
Happy Holidays from Starfield & Smith, P.C. (12/22/2010)
Best Practices: Regulation B and SBA Loans (12/15/2010)
TITLE INSURANCE: ALTERNATIVES TO THE STANDARD ENDORSEMENTS (12/8/2010)
Best Practices: Business Valuations (12/1/2010)
BEST PRACTICES: TITLE INSURANCE - HOW MUCH IS ENOUGH? (11/24/2010)
Best Practices: Recovery Act and Oversight by OIG (11/17/2010)
BEST PRACTICES: CHANGE IN OWNERSHIP (11/10/2010)
Best Practices: Real Estate Appraisals (11/3/2010)
What Would You Do If You Could Build an SBA Lending Program from Scratch? (10/27/2010)
SOP 50 53: The SOP You Need To Know (10/20/2010)
Best Practices: Guaranty Purchases and the Materiality Standard (10/13/2010)
Increased SBA Loan Amount Comes With a High SBA Guaranty Fee (10/6/2010)
THE FEDERAL RIGHT OF REDEMPTION - FACT OR FICTION? (9/29/2010)
BEST PRACTICES: FRANCHISE ELIGIBILITY ISSUES UNDER SOP 50 10 5(C) (9/22/2010)
BEST PRACTICES: EQUITY INJECTION UNDER SOP 50 10 5(C) (9/15/2010)
BEST PRACTICES: ENVIRONMENTAL INVESTIGATIONS (9/8/2010)
THE 50 10 5(C): COMMING ATTRACTIONS (9/1/2010)
BEST PRACTICES: LIMITED GUARANTEES (8/25/2010)
NAVIGATING THE SBA'S LIFE INSURANCE REQUIREMENTS (8/18/2010)
BEST PRACTICES: LEGAL PERMANENT RESIDENTS (8/11/2010)
DOCUMENTING CHANGE OF OWNERSHIP FOR A SBA 7(A)LOAN (8/4/2010)
OCCUPANCY REQUIREMENTS: WHAT ARE THEY AND WHEN ARE THEY REQUIRED (7/28/2010)
BEST PRACTICES: TRUSTS (7/21/2010)
AFFILIATION ISSUES TO CONSIDER WHEN LENDING TO FRANCHISEES, LICENSEES OR GAS STATION OPERATORS (7/14/2010)
NAVIGATING THE SBA'S LATEST EQUITY REQUIREMENTS REGARDING STANDBY DEBT (7/7/2010)
BEST PRACTICES: PRESERVING THE SBA GUARANTY (6/30/2010)
BEST PRACTICES: TITLE INSURANCE (6/23/2010)
THE 10 TAB FILE: THE STORY OF A LOAN (6/16/2010)
BEST PRACTICES: SBA INTEREST RATES (6/9/2010)
BEST PRACTICES: THE ELIGIBLE PASSIVE COMPANY (EPC) RULE (6/2/2010)
SMALL CHANGE TO THE SOP MEANS BIG IMPACT FOR 504 LOANS (5/26/2010)
BEST PRACTICES: ESCROW ACCOUNTS (5/19/2010)
BEST PRACTICES: FLOOD INSURANCE (5/12/2010)
BEST PRACTICES: 4506-T TAX VERIFICATION (5/5/2010)
INSURANCE REQUIREMENTS FOR SBA LOANS (4/28/2010)
WHEN ARE AFFILIATE GUARANTEES REQUIRED? (4/21/2010)
THE VALUE OF A PAYOFF LETTER (4/14/2010)
BEST PRACTICES: LANDLORD WAIVERS (4/7/2010)
NAVIGATING THE SBA'S LIFE INSURANCE REQUIREMENTS (3/31/2010)
BEST PRACTICES: SECURING LEASEHOLD IMPROVEMENTS (3/17/2010)
BUSINESS ACQUISITION TIPS FOR THE SBA LENDER (3/10/2010)
BEST PRACTICES: TITLE INSURANCE -- HOW MUCH IS ENOUGH? (3/3/2010)
USDA B&I LOAN PROGRAM UNDER ARRA (2/24/2010)
BEST PRACTICES: EXECUTED PURCHASE-SALE AGREEMENTS (2/17/2010)
BEST PRACTICES: PRE-FILING UCC FINANCING STATEMENTS (2/10/2010)
BEST PRACTICES: STOCK PURCHASE (2/3/2010)
UPDATED 7(A) GUARANTY PURCHASE PACKAGE TABS: 7(A) RECOVERY ACT LOANS (1/27/2010)
BEST PRACTICES: TITLE INSURANCE (1/20/2010)
THE VALUE OF A PAYOFF LETTER (1/13/2010)
INSURANCE REQUIREMENTS FOR SBA LOANS (1/6/2010)

2009 Newsletters
NEW PLP ELIGILBILITY CHECKLIST (12/30/2009)
SEASON'S GREETINGS FROM STARFIELD & SMITH, P.C. (12/23/2009)
DOCUMENTING USE OF PROCEEDS (12/16/2009)
REFINANCING SELLER NOTES (12/9/2009)
TURNING AN SBA REPAIR OR DENIAL INTO PAYMENT (12/2/2009)
GUARANTY PURCHASES: THE LATEST FROM HERNDON (11/25/2009)
RECOVERY ACT LOANS - TIME IS RUNNING OUT! (11/18/2009)
EQUITY INJECTION: DOCUMENTING 401(K) ROLLOVERS (11/11/2009)
THE NEW 7(A) LENDER MATRIX -- WHEN MUST LENDERS CONTACT THE SBA? (11/4/2009)
PENDING LEGISLATION MEANS BIG CHANGES FOR SBA LENDING (10/28/2009)
PROVING EQUITY INJECTION IN THE 504 LOAN PROGRAM (10/21/2009)
REVISED COLLATERAL POLICY FOR PUBLICLY-TRADED STOCKS AND BONDS (10/14/2009)
USDA B&I UPDATE (10/7/2009)
SBA ANNOUNCES MAXIMUM FIXED RATE (9/30/2009)
CHANGES IN THE SOP 50 10 5(B) FRANCHISE REVIEW RULES (9/23/2009)
THE NEW 7(A) GUARANTY PURCHASE PACKAGE TABS (9/16/2009)
NEW RULES FOR DEBT REFINANCING (9/9/2009)
MAJOR CHANGES TO SBA GOODWILL POLICY (9/2/2009)

Starfield & Smith, P.C.

Pennsylvania Office

1300 Virginia Drive | Suite 325
Ft. Washington, PA 19034

phone: 215.542.7070 | fax: 215.542.0723

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Philadelphia Office
2000 Market Street | Suite 500
Philadelphia, PA 19103
phone: 215.542.7070 | fax: 215.542.0723

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Florida Office

2600 Maitland Center Parkway | Suite 330

Maitland, FL 32751

phone: 407.667-8811 | fax: 407.667.0020

http://www.starfieldsmith.com

SBA Compliance Audits | SBA Guaranty Purchase Reviews & Recovery

SBA Franchise Reviews | SBA Lender Training

Regulatory Compliance & Lender Oversight | Loan Documentation & Closing

Commercial Litigation | SBA Portfolio Management

SBA & Conventional Creditors' Rights

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