SBA LENDING

Fund SBA loans faster. Protect every guaranty. 

Uptiq checks every SBA file against both your credit policy and the SOP as it builds, so no documentation gap reaches closing and turns into a guaranty repair years later.

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Intake Agent
Running
Intake
Underwriting
Monitoring
150+
Institutions Trust Uptiq
The operating gap

The guaranty is only worth what the file proves.

SBA lending means satisfying and documenting two rulebooks at once, your credit policy and the SOP, where a missed form, signature, or eligibility test stays invisible until you file a claim years later and find the gap still there.
Repair at the worst moment
A documentation gap nobody caught at origination, found by the SBA at claim, when the loan has already defaulted.
Two rulebooks, one file
Credit policy and SOP checked separately, by different people, on different days, against different versions.
Packaging as the bottleneck
The deal was approved in a week, then sat three more while someone assembled the file by hand.
The shift

Both rulebooks, checked as you go. 

Uptiq doesn't ask you to replace your LOS or core, or to change who makes the eligibility call.
The way it works today

Compliance is a checkpoint

Forms keyed in by hand from PDFs
SOP reviewed after credit approval
Gaps found at packaging, or at claim
Traceability rebuilt from email and folders
The way it works with Uptiq

Compliance is continuous 

SBA forms read and extracted on arrival
SOP and credit policy applied together
Gaps surfaced while the file is still open
Every field linked to its source document
On a real application

What a clean guaranty file actually contains.

The same work every SBA file carries, now handled before it reaches your team. Here's what that looks like from the moment an application arrives through the package that goes to closing, with your lenders reviewing and deciding at every step.
Stage 01
Intake

Every form read. Every gap named.

Uptiq reads every form, return, and financial statement in an SBA package as it arrives, extracts and cross-checks the fields, and tells the borrower what's still missing before a lender ever opens the file.
SBA forms and tax returns extracted automatically
Completeness checked against program requirements
Missing items requested from the borrower directly
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Intake Agent
Running
Underwriting Agent
Running
Stage 02
Eligibility

Your policy and the SOP, at once.

Uptiq runs every SBA application against your credit policy and eligibility requirements at once, so a use-of-proceeds or affiliation problem surfaces in week one instead of week three, while there's still time to fix it.
Credit policy and SBA eligibility applied together 
Eligibility issues and exceptions flagged early
Consistent recommendations across underwriters 
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Stage 03
Packaging

A file that holds up at claim.

Uptiq links every field, ratio, and recommendation back to its source document, so the file that closes is the file that can prove itself in a guaranty review years later, long after the people who built it have moved on.
Every field linked to its source document
Credit memo and loan package drafted in your format
Defensible file assembled as the loan closes 
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Monitoring
Running
Beyond origination

The same approach, across the book.

Servicing, covenant tracking, renewals, and your conventional book run on the same platform as SBA, added team by team as you prove ROI or built yourself.
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Account Opening Agent
Onboarding Agent
CRE Lending Agent
Equipment Finance Agent
SBA Lending Agent
Offer & Upsell Agent
Build your own
Account Opening Agent
Onboarding Agent
CRE Lending Agent
Equipment Finance Agent
SBA Lending Agent
Offer & Upsell Agent
Build your own
Deposit Operations Agent
Fraud Review Agent
Collections Agent
Portfolio Review Agent
Renewal Agent
Covenant Check Agent
Servicing Agent
Deposit Operations Agent
Fraud Review Agent
Collections Agent
Portfolio Review Agent
Renewal Agent
Covenant Check Agent
Servicing Agent
Why it holds up in production

Every agent runs on Qore.

The same foundation reads your documents, calculates the way SBA lenders calculate, applies both rulebooks, and connects to your systems, so what starts as one workflow becomes a file you can defend years later. 
Document AI
Reads every document.
SBA forms, tax returns, and financial statements read at 95%+ accuracy.
Financial Skills
Knows the work.
Spreading, ratios, and eligibility tests, calculated the way SBA lenders calculate them.
Knowledge
Bound to your policies.
Every agent works from your credit policy and the current SOP, and only those.
Integrations
Integrations - Fits your stack.
Your LOS, core, and document repositories connected through 100+ integrations.
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Proof, not promises

Measured on live SBA lending.

60%+
Faster loan processing
100%
Traceable decision support
36%
Less manual extraction
95%+
Document accuracy
Basis: aggregate results across Uptiq deployments in commercial and small business lending.
150+
financial institutions already run on Uptiq
SOC 2 Type II
Independently audited security controls.
Your policies, enforced
Agents work from your approved knowledge and permissions. Your data stays yours.
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FAQ's

Frequently Asked Questions

What does Uptiq's SBA Lending solution include?

Which agents are included in the SBA Lending suite?

How does the platform support SBA compliance?

Can the system process SBA forms and supporting documentation?

How long does deployment take?

Is the platform secure?

Start with one workflow

See what your next agent could do.

Bring us the workflow with the most drag. We’ll show you an agent running it.

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