Although for us at the Scientific Capital, financing a Super8 under the SBA 7a program is as straight forward as it gets, this project is worth noticing that for many other brokerage firms or lenders, it was not simple to fund it. The buyers opened escrow in May of 2018, worked with two brokers who each submitted the loan to various lenders but each time the loan got declined. Some of the lenders were in fact among those that Scientific Capital has been working with for many years. Prior to the invention of google, the key advantage of working with a broker was his database of the lenders. Today, borrowers can google all lenders in any state. The advantage is no longer having a list of the lenders but to be able to understand today’s financing market and to structure the loans in the fashion that is within today’s credit box. In this project, the previous brokers acted as live fax machines, just received documents and turned around and faxed them to the lenders. Finally, the listing brokerage firm contacted Scientific Capital and asked for assistance in mid-July and in spite of the fact that additional time was required to restructure the package, we were able to close in 45 days.