COMMERCIAL SERVICES

Ongoing Management

Ultum Group provides the necessary commercial services and tools to underwrite, service, and manage your business loan portfolio.

A clear, concise, and well-written commercial loan policy is the centerpiece of a solid risk management program. The policy should provide for ongoing management, measurement, and control of commercial lending activities.

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Create a Commercial Loan Policy

CLEAR & CONCISE COMMERCIAL LOAN POLICIES

Ultum Group's experienced commercial credit and lending team will work with you to understand your unique commercial lending goals, create and deliver a complete commercial credit policy which complies with all regulatory requirements and accurately represents your unique institution.

Along the way we will assist:

Help you define the types of lending.
Help you set concentration limits.
Help you establish risk ratings.
Incorporate best practices.

Ultum Group can review and make recommendations to your existing policy as well.

Credit Underwriting

CONNECTING ALL YOUR COMMERCIAL NEEDS

Trust our experienced commercial credit team at your fingertips to provide comprehensive underwriting that complies with all regulatory and eligibility requirements. Properly identifying and analyzing credit risk to ensure proper risk management.

THE EXPERTISE YOU NEED

Saving you time, money, and resources in training.

Beneﬁts of Ultum Group Credit Underwriting

Meet all regulatory and eligibility requirements for conventional and government programs (SBA, FSA, USDA, etc.).
Assess risks and determine if there is proper risk mitigation to proceed.
Provides an in-depth financial analysis that takes a holistic, forward-looking approach that includes the borrower(s), guarantor(s), and related companies sustainability of each transaction.
Learn to identify the appropriate:

File requirements
Appraisal requirements
Environmental due diligence
Loan structure

Underwriting Services

Full loan Underwriting
Annual Reviews
Watch List Reports
Renewals/Modifications

Commercial Doc Prep Services

CORRECT & COMPLIANT DOCUMENTATION

DOCUMENT PREPARATION SPECIALIST

Lean on your team of experts to prepare the correct documents needed for your commercial loans. We take pride in ensuring the accuracy and integrity of all documents.

Beneﬁts of Ultum Group Document Preparation

Ultum Group will review Commercial Loan Documentation packages and provide the following services to help your businesses grow and succeed:

Review entity organizational documents to ensure appropriate documentation and the relevant party(ies) execute the loan documents.
Review both pre-close and post-close title work to ensure the approved lien position has been secured.
Provide loan appropriate documents for the approved credit.

SBA Lending & Packaging Services

DEFINED BY YOUR SUCCESS

THE SBA PROGRAM CAN BE USED FOR:

Business acquisitions
Business expansion
Franchise financing
Machinery & equipment purchase or refinance
Business lines of credit
Real estate purchase or refinance (51% owner-occupied)
Construction loans

Together, we can provide your borrowers with commercial loans through the Small Business Administration's 7a, Express, and 504 loan programs. From start-up businesses to growing companies, an SBA loan can help enterprises reach their goals. Some perks of applying for an SBA loan may include minimal collateral, less applicant equity injection, and longer loan terms. We also provide SBA packaging services that structure, close, and service your SBA loan request.
The SBA program can be used for:

Business acquisitions
Business expansion
Franchise financing
Machinery & equipment purchase or refinance
Business lines of credit
Real estate purchase or refinance (51% owner-occupied)
Construction loans

Commercial Loan Origination & Servicing

WELL-BALANCED LOAN PORTFOLIOS

Commercial loans are fundamental in maintaining a well-balanced loan portfolio. Ultum Group staff has extensive experience in commercial lending and can help you build a strong and diverse portfolio. We help mitigate the risks associated with commercial loans while maintaining high standards in credit underwriting, executing proper loan documentation, loan origination, servicing, and performing loan reviews. Ultum Group provides necessary commercial services to originate and service your commercial loans.

Our top 10 lenders have an average tenure of 22 years in originating and servicing Commercial, Agricultural, and Construction loans.

AVAILABLE LOANS THROUGH ULTUM GROUP

Commercial Real Estate
Commercial Lines of Credit (C & I Lending)
Equipment Financing
Construction Lending (Ag and Commercial)
Agricultural Real Estate Financing
Crop Input Loans
Livestock Loans (Dairy, Beef, Poultry and Hog)
Small Business Administration and Farm Service Agency Guaranteed Loans

Referal programs are also available, send your businesses to us as a non-competitor. We provide the services and you retain the relationship.

Why Choose Ultum Group?

Ultum Group can help you provide the necessary resources to help your businesses grow and succeed. Our goal is to help you serve and grow your client base and complement your credit union's current strengths with our areas of expertise.

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Diversify your loan portfolio

Save time and money

Customize your lending capabilities