Why SBA Lending?


Does your lending institution find that SBA loans have too many “strings attached,” are too complicated or difficult to obtain, take too long, and are expensive? Well, it’s time to take a second look at the SBA lending process by partnering with banc-serv. In reality, SBA lending is a great opportunity for banks to manage risk (through loan guarantees), increase profitability (through ROI), and increase volume (through specific regulatory reporting).

Benefits of the SBA

  • Generate Loan Volume
  • Offset Portfolio Risk
  • Satisfy Customer Demands and Needs
  • Generate Fee Income
  • Satisfy Regulatory Lending Requirements

About SBA Lending

The SBA offers a variety of loan programs. For the fiscal year of 2015, the SBA
approved of

7(a) Programs

The 7(a) Loan Programs are the SBA’s primary programs to help start-up and existing small businesses with financing guaranteed for a variety of general business purposes. The SBA does not make loans itself, but rather guarantees loans made by participating lending institutions. In this way, taxpayer funds are only used in the event of borrower default, reducing overall risk to participating lenders.

Standard 7(a)

SBA’s primary program for start-ups and existing businesses.


  • SBA short document program
  • Express features an accelerated turnaround time for SBA review. A response to an application will be given within 36 hours.
  • Revolving Lines of Credit

Cap Lines

  • Asset based RLOC
  • Collateral monitoring


The purpose of the B&I Guaranteed Loan Program is to improve, develop, or finance business, industry, and employment and improve the economic and environmental climate in rural communities. This is achieved by bolstering the existing private credit structure through the guarantee of quality loans which will provide lasting community benefits. It is not intended that the guarantee authority will be used for marginal or substandard loans or for relief of lenders having such loans.

Farm Services Agency

Ownership and operating loans used for the development, repair, or improvement of farmland.

Operation Boots to Business

We Want You…To Help Serve Our Military Veterans

Your bank can help support our roughly 2.4 million veterans who own a business by providing an SBA’s Operation Boots to Business Veteran’s Program and Veteran Pledge Initiative at your lending institution. Your bank will not only be helping our military veterans, but your community as well. In addition, your bank will see the following benefits:

  • Increase in overall Loan Volume
  • Diversified Loan Portfolio
  • Community Reinvestment Act (CRA) Credits

Our military veterans have served our country well. Don’t you think it’s time to stand tall and serve them?

Click here to learn more about the program and how banc-serv can help

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