PRESIDENT & CEO
Since 1989, the Alabama Small Business Capital (ASBC) has been dedicated to the success of Alabama small businesses. As the nation's most active 504 lender, we excel at assisting healthy, growing companies secure long-term, below-market, fixed-rate financing for the acquisition and development of fixed assets. The program can also be utilized to refinance debt associated with fixed assets.
PRESIDENT & CEO
VICE PRESIDENT SENIOR CREDIT OFFICER
EXECUTIVE VICE PRESIDENT & COO
VICE PRESIDENT CREDIT OFFICER
EXECUTIVE VICE PRESIDENT CHIEF LENDING OFFICER
JUNIOR CREDIT OFFICER
VICE PRESIDENT PORTFOLIO MANAGER
Michelle M. Seivold
VICE PRESIDENT OF ADMINISTRATION
VICE PRESIDENT CHIEF COMPLIANCE OFFICER
SENIOR VICE PRESIDENT CORP PROJECT MANAGER
ALABAMA STATE EXECUTIVE
George C. Hawkins III
Tom Ter Beek
Here at Alabama Small Business Capital, we have developed a team that adheres to our core values: Innovation (we find a way to get the job done), Excellence (we have the utmost commitment to excellence), Integrity (our team is comprised of people who are always above board) and Service (our commitment to serve our clients and communities is our priority).
I have had the pleasure of working with Tim Cramer at FBDC and the SBA 504 loan program for many years. Their responsiveness and knowledge of the program has helped us to reach the closing table with ease numerous times. At the same time, the advice and counsel they provide gives my clients peace-of-mind and confidence throughout the loan process. Through this solid partnership with FBDC, clients have come to realize that the SBA process does not have to be difficult and can be as easy as a conventional loan. SBA loans aren't just for start-up businesses, either. The benefits of as little as 10% down and getting a second fixed rate mortgage for 20 years --in one of the lowest interest rate environments in decades --is attractive to any business owner, whether new or established. I highly recommend Tim Cramer and Alabama Small Business Capital.
I like to use the 504 program when a client prefers to put less down on equipment or real estate. Part of the loan gets a great long term fixed rate and the fees can be financed. Alabama Small Business Capital has a great team from top to bottom. They are always willing to answer any questions and I trust them to speak directly to my clients. Not only do they help during the approval and closing process they are there during the servicing of the loans as well. FBDC has a very knowledgeable staff and is a great resource to answer all of my SBA 504 questions.
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