Helping Lenders Help Their Customers
Resources, Specialized Team and Lender Hotline

Lender Services


Smith & Howard has significant historical relationships with commercial lending institutions throughout the Southeast. We place an emphasis on providing services and value to commercial lenders by offering seminars, publications and support. Some of our lender services include:

The Lender Hotline.

Provided as a complimentary service, we invite commercial lenders to call Smith & Howard to be connected with one of our commercial lending team members. We welcome questions about accounting principles and policies, taxation, collateral, acquisitions and more. No question is too trivial. Simply call 404.874.6244 and request the "Lender Hotline".

Commercial Lending Report.

This bimonthly newsletter focuses on issues affecting commercial lenders and is offered at no charge to commercial lenders. If you would like to subscribe, please email and be sure to include "CLR" in the subject line.

Field Investigation Services.

Two particular types of field investigation service engagements we perform are pre-loan surveys and collateral monitoring engagements. An important part of a pre-loan survey might be a review of a potential customer’s internal controls. We also help you get behind the numbers in financial statements during a pre-loan survey, during which we explore with a potential customer’s assets from a collateral standpoint.

SBA Valuations.

When the Small Business Job Act raised loan limits from $2 million to $5 million for 7(a) guaranteed loans and 504 plan commercial real estate loans, it also kicked-in a requirement for a valuation by a certified professional. Additionally, if a change of ownership occurs, a third-party valuation is required on SBA loans.

Smith & Howard’s valuation group assists SBA loan officers by providing business valuations to support the loan process. We also provide machinery and equipment valuations for 504 loans. Our firm has been approved by numerous banks – including all major Georgia banks – for third-party valuations of SBA 7(a) and 504 loans.

Our valuation practice includes consultants who have earned professional designations including Accredited Senior Appraiser (ASA) by the American Society of Appraisers, Certified Public Accountant (CPA), Accredited in Business Valuation (ABV) by the AICPA and Certified Valuation Analyst (CVA) by the National Association of Certified Valuation Analysts. Call us for a professional, on-time and on-budget SBA valuation.

Questions? Contact Us