SBA Lending Outsourcing Services
Decimal Point Analytics specializes in end-to-end SBA loan support services, from underwriting and application processing to documentation, servicing, and compliance. We have helped process $4.7 billion in SBA loans, representing 7.5% of the total market size, and consistently handle over 1,000 SBA loans every month. Our team works seamlessly with lenders’ Loan Origination Systems (LOS) to enhance efficiency, reduce turnaround times, and improve productivity. Whether you are a bank, credit union, broker, or fintech lender, we serve as your extended team—helping you stay SBA-compliant and focused on strategic growth.
What We Do
SBA Loan Underwriting
Expert underwriting services backed by credit analysts and automated checklists tailored for SBA 7(a), 504, and Microloan programs.
SBA Loan Processing
From application reviews to document validation, we handle every step with a focus on reducing turnaround time and increasing submission success rates.
SBA Documentation Services
Digitized tagging, version tracking, and compliance-ready files, built to meet audit standards and reduce documentation errors.
KYC and Eligibility Verification
We run SBA-specific checks such as FICO SBSS, E-Tran, NAICS codes, franchise status, and size standards to confirm borrower eligibility and reduce 7(a) and 504 loan rejections.
UCC Filing & Lien Management
Automated UCC-1 and UCC-3 filings with ongoing lien tracking and reporting—removing bottlenecks in your SBA closing workflows.
Loan Servicing & Post-Disbursement Support
Comprehensive borrower servicing, including payment tracking, borrower communication, and account updates.
Automated Reporting & Analytics
Customized dashboards and automated reports for loan pipeline tracking, portfolio performance, and compliance metrics, empowering lenders with data-driven insights.
Why DPA
Speed at Scale
Our clients have seen up to 40% faster underwriting and 2x processing speed, enabling higher throughput without compromising quality.
99%+ Accuracy
AI-led automation and stringent validation drive 99.7% accuracy in data extraction, helping reduce penalties and rework.
Cost-Effective Outsourcing
Clients report up to 60% cost savings through our lean, offshore model—without sacrificing process integrity.
Audit-Ready Documentation
Be ready for SBA audits at any time with well-structured, version-controlled, and digitally tagged documentation.
Dedicated Teams with U.S. Alignment
We leverage U.S. time zones, regulatory frameworks, and program nuances to align with your operational needs.
Frequently Asked Questions
Everything you need to know about SBA Lending Outsourcing Services with Decimal Point Analytics.
Lenders can outsource underwriting for SBA 7(a), 504, and Microloan programs, application processing, document validation, KYC and eligibility checks such as FICO SBSS and NAICS review, UCC filing and lien management, post disbursement servicing, and automated reporting. DPA provides complete end to end SBA loan support.
Yes. DPA works seamlessly with lenders LOS platforms to support underwriting, processing, and servicing workflows. This improves efficiency, keeps data consistent, and helps lenders reduce turnaround time across their SBA pipeline.
DPA uses AI led automation, digital tagging, version control, and structured validation workflows. This supports more than 99 percent accuracy, reduces documentation errors, and ensures lenders stay audit ready and aligned with SBA requirements.
Lenders can expect faster underwriting, shorter processing cycles, higher productivity, accurate audit ready files, stronger compliance checks, and significant cost savings. DPA processes more than 1,000 SBA loans each month and offers U.S aligned teams that support lenders scale with confidence.
We operate as a comprehensive Lender Service Provider (LSP). Our workflows are rigorously aligned with the latest SBA SOPs. We conduct dual-layer eligibility checks (including size standards, franchise reviews, and character determinations) and ensure precise documentation to prevent "repairs" or denials. Our track record covers over $4.7 billion in loans with rigorous audit-readiness.
Yes. We manage the entire lifecycle, including the monthly 1502 reporting requirements which are critical for maintaining good standing. Furthermore, for lenders selling on the secondary market, we ensure all loan files are perfectly "packaged" and tagged to maximize premiums and facilitate smooth transfers to investors.
Yes. We provide end-to-end support for both programs. For 7(a), we handle everything from packaging to closing. For 504, we coordinate closely with CDCs (Certified Development Companies) to manage the third-party lender portion, bridge financing, and interim construction loan servicing, ensuring all debenture funding conditions are met.
We utilize automated pre-screening tools combined with manual analyst review. We run FICO SBSS checks early in the process, verify NAICS codes against the SBA's size standards table, and conduct detailed affiliate analysis to ensure the borrower (and their affiliates) do not exceed the statutory caps.
No. DPA acts as an extension of your existing credit team. We underwrite to your credit box and policy while overlaying SBA requirements. You retain final credit authority; we simply provide the operational muscle, standardized credit memos, and compliance checklists to enable faster decision-making.
