While we at Environmental Risk Innovations (ERI) are in the environmental consulting business, we are also in the customer service business, which is why we strive to make it easy for people to communicate with us. Whether you have an environmental report you want...
Due Diligence
Receive ERI’s Updated SBA Flowchart: Amended to Reflect the Current SBA SOP
ERI has revised its SBA Flowchart to reflect the current SBA SOP (SOP 50 10 6, Oct. 1, 2020). If you would like to replace your existing ERI SBA flowchart with an updated version, we will be glad to send you the one below. In addition to providing the level of...
Business as Usual: ERI Delivers Service Consistency During the COVID-19 Pandemic
It has been “business as usual” at ERI throughout the COVID-19 pandemic. Although ERI’s motto has always been “collaboration under one roof,” we began developing the IT and communications infrastructure to enable our staff to effectively serve our clients remotely...
SBA SOP Changes – Effective January 1, 2018
Effective January 1, 2018, the Small Business Administration (SBA) updated the Standard Operating Procedures SOP 50 10 5 (J) for Lender and Development Loan Programs. In addition to changes incorporated in ERI’s Records Search with Risk Assessment (RSRA) and desktop...
Underground Storage Tanks: Regulations, Requirements and Expectations
UST Regulatory History In 1984, Congress directed the United States Environmental Protection Agency (EPA) to develop regulations for Underground Storage Tanks (UST) containing petroleum. The EPA issued federal regulations, effective December 1988, that delegated UST...
Considering Lending on a Dry Cleaner?
Perchloroethylene (PCE), a chlorinated solvent, has been used in the dry-cleaning industry since the 1930s. A small amount of this “likely human carcinogen” released to the subsurface can impact soil and groundwater, and migration of vapors associated with a release...
RSRAs and TSAs – The Similarities and Differences
Depending on the potential risk profile of a commercial property, Environmental Risk Managers realize that a Phase I Environmental Assessment (ESA) may not be necessary for all commercial properties targeted for commercial loans. In these cases, environmental...
Dry Cleaning Alternatives – How “Green” is Green?
The use of chemical agents for cleaning clothes dates back to the 1690s, when turpentine was used to remove oil and grease spots from clothing. In the 1800s, mechanical cleaning machines were introduced that used turpentine, camphor oil, kerosene naphtha or...
SBA Gas Station Loans
In order to identify and mitigate the environmental risks associated with gas station loans, the U.S. Small Business Administration (SBA) has developed guidelines that loan applicants must follow during the application process. The SBA requires that the Environmental...







