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      "text": "Products: SBC Lending & Acquisitions: Investor SBC lending across 7 products (bridge to stabilized properties) & portfolio acquisitions. Small Business Lending: Owner occupied SBC lending through SBA 7(a), USDA & unsecured small business. 1 of 14 non-Bank 7(a) SBA lenders. Residential Mortgage Banking: Residential mortgage loan originations and servicing focused on agency market. Strategy: SBC Lending & Acquisitions: NIM from retained SBC portfolio supplemented by gain on sale income from Agency production. Small Business Lending: Revenue from gain on secondary market sale, net interest income and servicing fees on retained interest. Residential Mortgage Banking: Revenue from gain on sale of production and servicing fees from retained MSR. Target Return: SBC Lending & Acquisitions: 4-6%. Small Business Lending: Prime +200-275bps. Residential Mortgage Banking: 100-175bps. History: SBC Lending & Acquisitions: Distressed acquisitions (2008), direct lending launch (2013), 1 of 12 Freddie Mac SBL license holders (2014) & acquired bank bridge lending team (2015). Small Business Lending: Acquired in 2014 from CIT with originations beginning in 2015. Residential Mortgage Banking: Acquired in 2016 as part of the Company's acquisition of ZAIS Financial Corp",
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