This morning I was reminded once again of just how valuable a good working relationship with the SBA is. Almost all of my clients are dealing with issues relating to SBA loans, and there are often situations unique to an individual circumstance or client. Through my years of working with the SBA and through the work Second Wind Consultants has done as an office, I have a number of excellent SBA reps that I can speak with at any time. This allows me to track down defaulted loans, get definitive, immediate answers on any questions I may have, and keep up to date on any changes in SBA guidelines as they occur. Having a great relationship with SBA representatives is invaluable to my clients in many other ways as well. Currently I am working on a client that was being collected on by the U.S. Treasury. Most consultants you will contact will tell you that this client should file bankruptcy even though the loan landed in Treasury due to negligence and improper handling on the part of his lender. An SBA servicing agent I speak to weekly was able to file a retraction on my client’s case and pull the file out of Treasury. This removes the 50% guideline Treasury utilizes so we could work within the confines of his financial condition and avoid bankruptcy. This was only possible because of the close relationship with the SBA and Second Wind’s experience in all aspects of SBA lending.