Gain a competitive edge with a profitable SBA department.
SBA lending is one of the most profitable products a bank can offer.
An alliance with SBA Complete puts you in a position to directly benefit from one of the most reliable and highly profitable activities available to financial institutions. SBA Complete can help you to greatly increase earnings, improve liquidity, improve asset quality, improve your capital ratios, reduce concentrations and mitigate risk. All without the burden of costly expenses associated with operating your own SBA department.
Given the increased level of regulatory oversight and today’s challenging economic conditions, the services of SBA Complete will benefit your lending institution in numerous ways.
SBA guarantees reduce risk of loss on loans by 75% to 85% and with premiums on the sale of the guaranteed portion of SBA loans as high as 14%, the banks return on assets and capital is outstanding. With SBA Complete you can now add SBA lending as one of your bank’s tools to drive profits, with no overhead and only a small incremental cost.
- Increase profits
- Use the SBA program to refinance and reduce loan concentrations in your portfolio.
- Increase liquidity
- Improve capital ratios
- Reduce portfolio risk
- The regulatory agencies are encouraging banks to participate in the SBA program.