SBAlliance®

Lending Solutions for Financial Institutions

The Bancorp SBAlliance® program helps financial institutions, banks, and qualified referral sources meet more of their commercial clients’ Small Business Administration (SBA) lending needs while earning income.

Add SBA Loans to Your Commercial Services

Commercial lending execs: Don’t let lack of time or resources for SBA lending continue to leave a gap in your service offering. You can partner with The Bancorp to offer SBA loans to your client base and maintain your primary client relationships. With our SBA loans, your financial institution can:

  • Generate non-interest income through a referral program or revenue-share arrangement.
  • Compete with larger SBA lenders in the market.
  • Limit any documentation risks to your financial institution.
  • Offer SBA financing without any credit risk to your portfolio.
  • Broaden your client base with new, qualified borrowers.
  • Provide a turnkey origination process for your commercial lenders through a single point of contact.

Learn more about our SBAlliance® program.

Increase Your Liquidity

Loan Purchase Program

Banks, credit unions, and qualified mortgage professionals can sell their owner-occupied SBA 504 and commercial first mortgages to
The Bancorp. With greater liquidity you can meet more of your clients' borrowing needs and earn income along the way.*

Co-Origination Loan Program

Financial institutions, banks, and qualified referral sources can earn fee income by co-originating owner-occupied SBA 504 loans with
The Bancorp. Grow your client base and expand your credit reach with an SBA National Preferred Lender.

Loan Eligibility and Terms

Loan Amounts:

$500,000 to $10 million

Credit Eligibility:

660 average minimum FICO score, minimum DSCR of 1.20x

Owner-User Property Types:

Industrial, office, medical office, office/warehouse, retail, and select special-use properties

Terms:

25/25 or 10/30 for general- or special-use collateral

Prepayment Penalty:

5,4,3,2,1 or flat 5 for 5

* All loans subject to The Bancorp approval.

Financing Solutions:

SBA 7(a)

From working capital to leasehold improvements to debt consolidation, the SBA 7(a) loan provides affordable financing to support your business goals.

Learn more

SBA 504

For major purchases such as commercial real estate, heavy machinery and equipment, the SBA 504 loan gives you financial flexibility to grow your business.

Learn more

USDA B&I

The USDA Business and Industry Guaranteed Loan Program helps promote small businesses, job creation and economic opportunities in rural communities.

Learn more