Katina Phillips

We don’t work for the bank. We work for the borrower! When it comes to securing the capital you need to fuel your next project, let us do the heavy lifting. Our team has the knowledge and resources to get your business loan or other commercial financing request across the finish line! We offer: •Complimentary initial consultation to understand your project •Analysis of current financial capabilities •Recommendation of funding option: SBA Loan, Conventional Loan, Alternative Funding Options •Gathering and reviewing support documents •Completion of application related forms and questionnaires •Market research to identify a funding source with an appetite for your project •Provide an underwriting ready package that includes: •Project Overview Narrative •Business and Business Owner(s) Background •Detailed Collateral Description and Insurance Carrier Information (if applicable) •Personal Financial Statement •Business Debt Schedule •2-3 Years Business and Personal Tax Returns (if applicable) •2-3 Years Business Financial Projections(if applicable) •Previous Year End Financials (if applicable) •Year to Date Interim Financials (if applicable) •Quick Cash Flow Analysis •All application related Forms After application approval services include: •Reviewing the approval terms and fees to recommend potential ways to save •Communicating with: lender, closing attorney, title company, appraisers, insurance agents, etc. •Updating insurance policies to include new lender information if needed ****A HIGH FIVE AT THE CLOSING TABLE!****

Helping borrowers structure their loan request to maximize chances of approval, providing quality depository accounts to fit the client needs vs the institution’s scorecard, assessing treasury management needs and supporting the onboarding process to ensure a smooth and seamless transition.

Some of the best years of my professional career.

Supporting the financial needs of the business community. Buy Local and Bank Local.

Serving the financial needs of Small Businesses with $1,000,000 to $10,000,000 in annual Revenues. Providing working capital, building and equipment financing. Offering cash management and payment capturing solutions through Merchant Services, Lock Box, ACH and more. Working with Not for Profit and Charitable Organizations to design fund raising solutions.

I am focused and committed to providing business and personal clients with products and services that make sense in today’s economic environment. Examples: *Compass for your Cause: allows fundraising organizations to partner with the bank to generate revenue without asking supporters to donate more. *FREE Small Business Checking: allows the business owner to keep more of the business revenue on the bottom line. *Mortgages: We have multiple options for first time buyers and those looking to refinance an existing mortgage. *Commercial Loans: From Owner Occupied Commercial Real Estate to Equipment Financing, we are fast, friendly, and competitive. *Credit Card Processing: Business owners get access to the proceeds of a credit card transaction within 24 hours. Get what you NEED and what you WANT with BBVA Compass!

Assisting business owners with day to day financial needs. Providing practical financial solutions for: borrowing, payment processing, accounts payable and receivable, deposit services, cash flow analysis.