C.H. Brown Co. - March 2023

Apple Tart With Rosemary and Honey Syrup

Inspired by Delicious.com

INGREDIENTS

• Frozen puff pastry, thawed • 3 1/2 tbsp unsalted butter, softened • 1 egg yolk

• 3/4 cup runny honey, divided • 2 pink lady apples, very thinly sliced • 1 rosemary sprig, leaves picked

What to Expect: Our Applicant Phone Interview Process

• 1/3 cup almond meal • 1 tsp vanilla bean paste

DIRECTIONS

1. Preheat oven to 400 F. 2. Roll pastry to a 12-inch-diameter circle, 1/8 inch thick. Place on a tray lined with baking paper. 3. In a bowl, place butter, egg yolk, almond meal, vanilla, and 1/4 cup honey. Beat with a wooden spoon until smooth. 4. Spread over pastry and arrange apple slices on top. Drizzle with 1/4 cup honey. Bake for 20 minutes, until golden and crisp. 5. In a pan over low heat, place rosemary and remaining 1/4 cup honey. Swirl to melt honey. Pour over tart, and enjoy!

A critical element in our lending process is our applicant phone interview process — we want to know more about your clients, their business, and their part in the deal before we put it through. Just like if you were to lend someone cash for their groceries, you’d want to do your research about their intentions and their past and get to know them first. Our applicant phone interview isn’t any different! The applicant phone interview takes place during the underwriting process for all deals except trailer-only deals that fall below $35,000 and all other deals totaling less than $25,000. The entire process only takes about 15 minutes to complete, and it isn’t difficult or daunting for your clients. During this interview, we inquire about the applicant’s industry experience as it relates to their credit request and equipment. We obtain some net worth information as well as gain an understanding of their ability to repay the financial obligation according to the loan terms. During this call, we verify updates and all account data listed on the applicant’s CBR and business Paynet reports. All in all, this interview helps us to detect fraudulent deals before they go through and to understand the background and history of your clients. If you have any questions or inquiries about our applicant interview process or if you need assistance setting one up, get in touch with our broker relations, Kit West, by emailing kwest@chbef.com. We hope to see you at the NEFA Finance Summit in San Diego, California, from March 22–24! It will be two days full of networking, events, seminars, and speakers that you won’t want to miss! Stop by our exhibit booth to visit and say, “Hello!”

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