Yearly Archives: 2012


Typical procedure for USDA funding

The USDA guarantee loan program for B&I, CF and SBA are complicated and confusing, but also can be flexible with different approaches. Our assignments are to complete a Feasibility Report to be shared with lenders, buyers or investors.  This includes several visits to the project and meetings with client, lenders, nonprofits, […]


What is a Feasibility Report?

Spear Consultants, Ltd is a consulting firm assisting clients and prospects through the complex process of financing and refinancing income-producing projects.  With over fifty years experience and over six hundred feasibility studies, our independent reports are customized to client needs and based on relevant market facts, informed judgment and common […]


Clients want to know….

Investors want to know the What, Where, When and How of an investment or loan.  What is the investment and Where is it located?  When do clients receive benefits, does it support debt and over What term. The What and Where you already know, but the When is based on […]


Evaluation is the key…

The purpose of an Evaluation is to establish a concise written report that summarizes the operational and financial opportunities’ of a  project.  It should identify market, demand, costs, income, expenses, profitability, structure, physical aspects, and risks and rewards of a project based investment and ownership. An independent report created by […]