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Professional Profile

Denise specializes in educating and securing access to capital through use of the SBA loan programs. These programs allow entrepreneurs' to achieve their business goals and dreams through funding terms that are considered favorable by the US SBA. Capital is eligible for owner occupied commercial real estate with 51% or greater occupancy including modification or construction. Other uses of loan proceeds can include machinery & equipment, leasehold improvements, goodwill/turn key business acquisition and working capital. The programs have advantages that do not fit a bank's traditional lending criteria including over 100% LTV, unsecured lending and startup/expansion and other special circumstances. Denise's goal is to create a holistic solution to turn a strategic dream into reality for the borrower and referral source. 

Denise has dedicated herself to SBA lending since 2004 and takes an active role in financing nationally through funding the SBA 7a, SBA 504, SBA Express and USDA programs. She works with all industries eligible under SBA including special purpose and businesses that traditional lenders veer away from. 

Celtic Bank based out of Utah is a National lending institution focused on SBA loans with 3B in assets. The SBA division ranked #4 funding 510MM during 2023 through SBA 7a, 504 and USDA loans with a team of 325+ employees dedicated to processing and servicing SBA loans nationally. As a SBA preferred "PLP" lender, the team handles all function of the loan process internally while leaving the banking to the clients local choice.