For Community Banks
Stop Leaving Money on the Table
Most community banks sell their SBA 7(a) guaranteed portions at 2\u20133 points below market. Our platform matches you with top broker-dealers, handles the paperwork, and gets you the best premium.
The Opportunity
The SBA Secondary Market Opportunity
When you originate a 7(a) loan, the SBA guarantees 75%. That guaranteed portion can be sold into the secondary market at a premium \u2014 typically 108\u2013112% of face value. The sale recycles your capital so you can originate 4\u20135\u00d7 your balance sheet annually.
Example: $500K SBA 7(a) Loan
Guaranteed (75%)
$375,000
Sold at 110% = $412,500
Gain on Sale
$37,500
Pure fee income
Capital Retained
$125,000
Unguaranteed stub
Plus ongoing servicing income. For a $40M bank, this means $5\u201310M in annual fee income from SBA alone.
What We Offer
What SBA Today Offers Banks
Get Found by Qualified Borrowers
Your bank gets a dedicated profile page on SBA Today, optimized for '[Your Bank Name] SBA loans' on Google. Borrowers in your market find you first.
Secondary Market Best Execution
We run a competitive process across 3–5 broker-dealers on every sale, getting you the best premium. Average improvement: 50–150 bps over going direct.
Operational Support
We handle SBA Form 1086, pool certificate paperwork, FTA registration, and servicing setup. Your team focuses on originating, not on admin.
Right-Sized for Your Bank
Our recommendations based on your institution's asset size.
Under $100M
SBA 7(a) with aggressive secondary market sales is your capital efficiency play. Originate 3–5× your balance sheet annually.
$100M–$500M
Mix of 7(a) secondary + 504 hold strategy. Grow fee income while building a long-term loan book.
$500M+
Full SBA program: 7(a), 504, CAPLines. Use SBA Today for borrower acquisition + our secondary market aggregation for premium optimization.
Calculator
Calculate Your Premium
See how much fee income a single 7(a) sale generates for your bank.
Secondary Market Premium Calculator
See how much fee income a single 7(a) loan generates
Guaranteed Portion
$375,000
Sale Proceeds at 110%
$412,500
Gain on Sale
$37,500
Pure fee income to your bank
Capital Retained
$125,000
On your balance sheet
Annual Servicing
$5,000
Recurring income
Capital Efficiency
4.0\u00d7
You hold $125,000 on balance sheet instead of $500,000
This is one loan. Do this 40 times a year and you're generating $1,500,000 in annual gain-on-sale fee income.
Get Started
Ready to grow your SBA program?
Fill out the form and we'll reach out within 24 hours.