Underwriting Agent for SBA Lending

Turn Complex SBA Reviews into Faster Decisions

Automate multi-year financial spreading, eligibility mapping, form reconciliation, and credit file packaging. Deliver complete, SBA-ready credit files in minutes instead of days.

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150+

Institutions Trust Uptiq

Automate SBA Credit Analysis and Eligibility Review

Replace manual financial spreading, eligibility checks, and file preparation with a unified underwriting workflow that applies SBA requirements, validates supporting documentation, and delivers review-ready credit packages automatically.

Financial Spreading

Eliminate manual spreading by transforming financial documents into structured credit analysis.

Processes business and personal tax documents

Generates ratio analysis and cash flow insights

Maintains a direct audit trail to supporting documents

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Credit Memo Generation

Move from spread to credit memo in minutes instead of hours.

Follows your approval framework

Develops consistent borrower risk summaries

Supports every conclusion with traceable evidence

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Scorecard

Standardize credit grading across the portfolio.

Leverages your established scorecard approach

Captures override history and explanations

Supports compliance and review requirements

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What SBA Lenders See in Practice

Higher Lending Productivity

Enable underwriters to spend more time evaluating risk and less time handling repetitive tasks.

70%

Quicker Credit Decision Workflows

Generate complete credit narratives faster, helping teams process more deals with less effort.

100%

Traceable Credit Reviews

Ensure every decision is backed by policy alignment, supporting documentation, and clear explanations.

Works Seamlessly with the Rest of Your Stack

Intake Agent

Accelerates borrower intake with automated information capture and document processing.

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Continuous Monitoring Agent

Helps lenders stay ahead of risk through automated monitoring and alerting.

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Integration

Designed to fit within your current infrastructure and lending processes.

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Documents Supported

Handles the key documents required for underwriting, analysis, and credit review.

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Frequently Asked Questions

Ready to deploy the Underwriting Agent for SBA Lending?

Our team handles deployment end-to-end - from SBA policy configuration and ETRAN integration to credit memo packaging and go-live. Most SBA lenders are in production within 5 business days, with no disruption to existing deal workflows.

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