ORLANDO—Chris Hurn, founder of Fountainhead Capital, has some strong opinions about the capital markets. And he's specifically zeroing in on SBA loans.

In fact, he told me in the last segment of our exclusive interview that he's convinced every broker loses sale because they don't take time to learn the ins and outs of this financial tool. In our final installment, Hurn expounds on that point and discusses the latest trends he's seeing in SBA Loans.

GlobeSt.com: What do you say to people who claim dealing with the SBA is difficult?

Hurn: Anyone who believes it is more difficult to work with an SBA-specializing lender than with any other traditional lender is living in the distant past. Today's SBA has streamlined its processes and gets easier to work with each day. And other commercial lenders who partner with us, through our new secondary market program likely never have to deal with the agency at all.

For brokers with customers who may not understand the SBA, they really need to communicate that the SBA requires nearly identical documentation as any conventional lender these days. The process of working with the SBA is only marginally more time consuming, and those margins are decreasing all the time, particularly when dealing with a specialist. For instance, at Fountainhead, we've approved 504 loans in under 72 hours. Not many convention lenders can move that fast, whether providing SBA loans or even conventional loans.

Buyers of commercial property are choosing SBA 504 loans because they are getting an overall better deal. They keep more of their cash with lower down payments and secure loans with lower rates, longer amortizations and lower payments.

GlobeSt.com: What other trends are you seeing?

Hurn: Smart bankers are embracing SBA loan programs like the 504 because it has a burgeoning secondary market. We are working with banks at all levels and helping them get a foothold in 504 lending by enabling them to outsource the relationship to us at Fountainhead.

And everybody wins: The bank puts their client in a better loan, earns valuable non-interest income and is also able to redeploy its capital quickly when they sell the commercial mortgage into our secondary market program; the brokerage community gets a larger pool of buyers; the clients get better loans. We proudly champion SBA loans, so we're happy to discuss how the loan program can help commercial real estate brokers and their clients anytime.