Outsourced SBA Lending for Community Banks & CDCs
Launch or scale your SBA program without the $500K+ cost of building one in-house. Eligibility screening, credit analysis, packaging, E-Tran submission, closing coordination, servicing support, 1502 reporting — we become your SBA department on a variable-cost basis.
The Problem
SBA lending is the highest-margin business credit product in most community bank portfolios. It's also the most expensive program to staff and the easiest one to get wrong.
- SBA compliance is complex. SOP 50 10 8 (effective June 2025) runs hundreds of pages. Form 1502 reporting, guaranty maintenance, eligibility documentation, change-of-ownership rules, and the franchise directory all need ongoing attention.
- Hiring experienced SBA staff is expensive and risky. A senior SBA underwriter or BDO is a $150K–$250K hire. Turnover means the new hire ramps for 12 months while the prior incumbent's deals sit in limbo — and guaranty risk accumulates with every uncorrected error.
- Every SBA-eligible borrower you decline walks to a competitor. If you can't structure 504s or 7(a)s in-house, your strongest small-business borrowers refinance away the moment they need the program.
Our LSP & Professional Services Model
We become your SBA department on a variable-cost basis — no headcount, no benefits, no turnover risk. You decide the scope.
Eligibility Screening
SBA size standards, affiliation analysis, eligible business type, eligible use of proceeds, franchise directory status, character / citizenship review. Decisions in 48 hours.
Credit Analysis
Full credit memo with cash flow, DSCR, collateral analysis, repayment narrative, eligibility documentation. Built to SBA standards and your internal credit policy.
Packaging
Application, financial statements, Forms 413/912/1919/1920, valuation coordination, environmental review, and the complete SOP 50 10 8 compliance file.
E-Tran Submission
E-Tran data entry, authorization tracking, and post-approval modifications. We coordinate with your LSC if you have one.
Closing Coordination
Loan documentation review, condition clearing, life insurance / hazard insurance / flood insurance verification, UCC perfection, and post-closing checklist.
Servicing & 1502 Reporting
Monthly 1502 reporting, payment status, guaranty maintenance, modifications, deferments, and 7-day turnaround on borrower service requests.
For Community Banks
Full-service LSP under an SBA-reviewed LSP Agreement (submitted to OCRM for review and concurrence). A la carte underwriting or servicing support — you scope the engagement to fit your program maturity.
- Your bank retains the customer relationship and the loan on your books
- You earn the guaranty pool premium income on every loan sold to the secondary market
- We handle SBA compliance — you never have to read SOP 50 10 8
- Engagement scales from one loan a quarter to a full BDO + underwriting + servicing build-out
For CDCs
Professional Services Contracts under 13 CFR 120.824. Outsourced packaging, processing, and closing for 504 loans — particularly useful during refinance volume surges where in-house capacity can't keep up.
- Packaging and credit memo preparation for your loan committee
- Closing coordination with the bank first lien and SBA authorization
- Capacity surge support during 504 debt refinance waves
- Liquidation and workout assistance on deteriorating credits
Why Partner with Us
[X]+ Years SBA Experience
[PLACEHOLDER — owner to fill in. Cite team experience, prior CDC / bank roles, and senior credit authority.]
SOP 50 10 8 Fluency
Current with the June 2025 rule changes: equity injection rules, seller note treatment, franchise directory reinstatement, eligibility, and affiliation.
Existing Lender Relationships
Working relationships with national SBA-preferred lenders, multiple CDCs, and SBA district staff. We know who prices what aggressively and who's the right escalation contact.
No Fixed Overhead
Variable-cost model. Pay only for the work we do. No headcount, no benefits, no severance risk.
SBA-Reviewed Documentation
LSP Agreement template ready for OCRM submission; Professional Services Contract template ready for CDC use. Both include disclosure of all referral fee arrangements.
Confidential Engagement
NDA-protected discovery. Your competitors don't know who we work with. We can structure as white-label so your borrowers never know we exist.
Schedule a Confidential Conversation
The first call is a 30-minute discovery — we walk through your existing SBA volume, gaps in your current program, and where outsourcing makes the most sense. NDA on request.
Book the Call