Saving Lenders 60% in Operational Costs While Improving SBA Loan Quality

Client Overview

A leading multi-strategy real estate finance company faced significant operational inefficiencies and rising costs in its Small Business Administration (SBA) loan processing. These inefficiencies were limiting growth, increasing operational costs, and negatively impacting loan quality.

Problem Statement

The company was dealing with several challenges:

• High overhead costs due to manual loan processing and underwriting workflows.
• Difficulty balancing cost, compliance, and processing accuracy.
• Growth constraints caused by resource strain and overhead burdens.
• Slow loan processing times, which were hurting client satisfaction and delaying business growth.

Solution Provided

Decimal Point Analytics implemented a comprehensive, end-to-end solution to streamline SBA loan processing. The solution included:

• Automated loan processing that reduced the need for onshore resources, driving down operational costs.
• A scalable outsourcing model that adjusted capacity based on demand, ensuring resource optimization.
• Compliance and accuracy-focused processes that minimized errors and ensured regulatory standards were met.
• Accelerated processing that improved turnaround time (TAT), enabling faster service delivery.

Outcome

The solution delivered substantial improvements in both operational efficiency and loan quality:

• 60% reduction in operational costs by eliminating the reliance on onshore resources.
• 50% improvement in loan quality through streamlined processes and enhanced accuracy.
• Increased processing efficiency by 40%, enabling faster service delivery.
• Enhanced scalability, allowing the client to support sustainable growth with optimized resources.

Key Takeaway

• By automating and outsourcing key elements of SBA loan processing, the client achieved both significant cost reductions and improved quality.

• A targeted, compliance-driven approach enhanced operational efficiency while ensuring error reduction and faster processing.

• The model's flexibility supported scalable growth without compromising service quality or compliance standards.

Call to Action

Discover how Decimal Point Analytics can help transform your SBA lending operations. Contact us today to explore customized solutions designed to drive efficiency and mitigate risk.