SmartBiz and Technology

Super-Charging SBA Lending.

SBA Lending Made Easy through Innovation and New Technology

Many banks don’t offer SBA business loans under $250,000 because they involve just as much work as larger size loans. However, the SmartBiz platform is a game changer that allows banks to offer SBA loans of all sizes more profitably and efficiently.

In essence, the SmartBiz online software platform systematizes and automates SBA loan underwriting and origination.

How it Works

A Technology Platform that Super-charges SBA Lending

1

Application Management

Our technology helps banks handle the SBA online application process in a compliant manner and intelligently sorts applications to focus on those most likely to meet a bank’s specific underwriting criteria.

2

Document Capture with Real-time Notifications

The SmartBiz platform automatically captures SBA as well as bank required documentation in a data warehouse, and provides borrowers with real-time activity notification so they can provide any missing data or additional documentation.

3

Automated Underwriting

Our technology enables credits to be fully underwritten, including cash flow and other financial ratio calculations to reduce errors.

4

Decisioning

We digitize your bank’s specific underwriting policy so you can make fast and accurate loan decisions.

5

Online File Audit

SmartBiz’s platform provides you with a complete borrower file to reduce processing time on your side, enhance compliance and expedite the file audit.

6

Closing

SmartBiz software enables credits to speed through your credit memo, documentation and closing process.


Bank Benefits

SmartBiz helps reduce your processing costs by 70% while increasing your top line



Marketing

Attract new small business customers that are better targeted to your bank’s credit criteria.


Operational

Less manual processes, fewer repetitive activities, helps improve processing efficiency.


Compliance

Rules based software helps ensure compliance.


Bottom Line

Enhanced profitability through increased revenue and reduced costs.


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