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About Scott Birkner

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About Scott Birkner
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Supplier - Craft Beverage Lending
Job Title:
SVP-CRaft Beverage Lending
United Community Bank
Charlotte, NC
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Beer Industry Specialties:
As a national lender, United Community Bank supports the growth of craft brewers, distillers, wineries and distributors through conventional, SBA 7(a), SBA 504 and USDA loan programs. Our lending team understands the unique challenges and opportuniti
Since 1998, I have been working with business owners and their advisors including Craft Beverage Consultants, CPAs, business brokers, attorneys, business consultants and others to provide flexible finance solutions through the SBA loan program. A thorough knowledge of the SBA Lending Programs has helped me to assist businesses in all types of industries, including Craft Beverage, manufacturing, franchises, medical, hospitality, service, retail, restaurant and auto related.
Typical uses of proceeds range from financing business acquisitions and partnership buy-outs where the loans are typically under-collateralized to financing owner user commercial real estate where clients are seeking a much lower cash injection and a longer fully amortizing loan. Expansion, debt restructures, leasehold improvement and equipment loans are also common uses of proceeds we entertain.
Benefits of SBA loans include:
• Lower down payments
• Longer term fully amortized loans
• No loan covenants
• High loan to value ratios
• Lower monthly payments
United Community Bank is a direct lender where we value our relationships with our clients and our clients’ advisors. We take the time to understand the financing needs and objectives of each business. As a Preferred Lender with the SBA, we offer financing options with loan sizes that typically range from $350,000 to $13,000,000.
In order to reach my clients’ objectives, the goal is always to find a way to get it done — no matter what the loan request. SBA lending gives us a distinct advantage over most lending institutions. SBA experience means having the skills to structure loan requests in ways that others would never know to do. My job is to take the mystery out of the process. It starts with getting you quick answers from a dedicated team from sales through closing, focused on delivering our loan products.
Please call me at 704-564-5940 or email at to discuss helping you meet your business’ finance needs.


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05-17-2018 11:05 AM
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