With many 4363 SBA error codes encountered when processing SBA loans, specially in syndicated projects with multiple guarantors, Scientific Capital focuses on conventional loans rather than SBA as is the case in this project where Scientific Capital arranged a $6.5 million loan for the purchase and the PIP (Property Improvement Plan) of the Hampton Inn of Blairsville, Pennsylvania at 75% Loan to Value and 25-year amortization at attractive rates and terms. However, it is important to note that many lenders have recently started requiring an FF&E reserve account, generally at 3% (instead of 4% required by the CMBS lenders) ensuring the on-going FF&E maintenance but expanding the deposit relationship with the borrower.