Profiles
SBA lending software vendors: the twelve we track
A list of SBA lending software vendors, profiled on what each publishes about program coverage, E-Tran and SBA forms, eligibility, 1502 reporting and lenders.
Abrigo
Commercial LOS with SBA module
Abrigo adds SBA 7(a) lending to its Sageworks credit suite, with E-Tran integration through its API network, Forms 1919 and 1920 as PDFs, and SBA, personal and commercial loans on one platform; Signature Bank of Georgia and Western States Bank are named customers. It names only 7(a) and publishes nothing on servicing or 1502 reporting.
Aloan
AI-native commercial LOS, run alongside the SBA system of record
Aloan is an AI-native commercial LOS that, on SBA 7(a), 504 and Express files, classifies the borrower package, spreads related entities with K-1 tracing, maps guarantors and assembles a source-traceable credit memo, while the lender keeps eligibility and the decision, whether Aloan runs as the commercial LOS or beside an existing one. It does not submit to E-Tran or service loans; aloan.ai names Buckeye State Bank, Alliance Catholic Credit Union and West Central Bank as customers, none as an SBA reference.
Baker Hill
Commercial LOS with SBA module
Baker Hill NextGen supports 7(a) including PLP, Express and CapLine loans, generates Forms 1919 and 1920 from captured data, submits to E-Tran without rekeying and stores the returned SBA loan number, with spreads and the credit memo produced in the same platform. Its SBA sheet names no 504 coverage and no 1502 or servicing capability.
Biz2X
SBA-specialist origination
Biz2X, from online lender Biz2Credit, publishes the widest SBA program list in this category (7(a), 504, Express, Microloans and CAPLines), automatic eligibility verification, E-Tran reporting and borrower portals, and names BayFirst Financial, First Savings Bank and Newity in SBA case studies, though BayFirst exited SBA 7(a) lending in 2025. It describes no servicing or 1502 reporting, and its parent is a direct lender.
Cync Software
Commercial LOS with SBA module
Cync Software's SBA page names 7(a) and 504, Forms 1919, 1920 and 1244, four eligibility tests including size standard and credit elsewhere, E-Tran submission automation and Form 1502 automation with secondary market management, inside a commercial lending platform that also spreads C&I, CRE and individual financials. It names no SBA customer and its page figures are demo illustrations.
DownHome Solutions
CDFI origination and servicing
DownHome Loan Manager is origination and servicing software built for CDFIs, with automated SBA 1502 reporting, SBA Microloan reporting, CDFI Fund TLR reports and Metro 2 files from one system. It names no customers, does not describe E-Tran submission, and is the one vendor here that publishes prices: $160 a month for servicing and $150 for origination, first two users free, plus add-on modules.
Jack Henry
Bank-core commercial LOS
Jack Henry's commercial lending platform names SBA among its supported loan types, alongside C&I, CRE and ABL, and is the natural question for institutions on a Jack Henry core. Nothing it publishes describes E-Tran submission, SBA forms, eligibility checks or 1502 reporting, and no SBA customer is named.
Lenders Cooperative
SBA-specialist origination and servicing
Lenders Cooperative absorbed Ventures Lending Technologies in February 2025, bringing the platform that processed 99.8% of SBA 504 loans in 2024, with direct E-Tran access, 1502 reporting through its Payments product and coverage of 504, 7(a) and Community Advantage, alongside its own commercial LOS and SBA LSP services. The two platforms are still being unified, so buyers should ask which system runs each function today.
nCino
Commercial LOS with SBA module
nCino runs SBA 7(a) and Express loans as workflows inside its Salesforce-based commercial lending platform, submitting guaranty requests to E-Tran from within the system and executing Form 1919 and IRS 4506-C through DocuSign, with WaFd Bank, PeoplesBank and Coastal States Bank named as customers. Its SBA page does not name 504, Form 1920, an eligibility engine or 1502 reporting.
Numerated
Digital small-business LOS with SBA 7(a) offering
Numerated launched an SBA 7(a) solution in October 2022 with pre-filled applications, eligibility validation and automated form generation, and was acquired by Moody's in November 2024. Its domain now redirects to Moody's Lending Suite, whose pages name neither Numerated nor SBA, so buyers should confirm the 7(a) product is still sold before evaluating it.
PCFS Solutions
SBA-specialist origination and servicing
PCFS Solutions is the SBA specialist for the post-closing side: its Loan Manager automates monthly 1502 preparation in FTA format, handles secondary market prepayments and late payments, and supports FASB 166 accounting, with BizLendPro for origination and Special Assets Manager for workouts. It publishes no program list beyond 7(a), no founding year and no named customer on its own site.
SPARK
SBA-specialist origination
SPARK is a cloud origination system built specifically for SBA and small business lending, with E-Tran submission, SBA form generation and SOP-driven eligibility checklists inside the platform, and named bank customers including The Bancorp and Bank of Idaho. It publishes no program list and no price, says it has no built-in servicing and does not mention 1502, so it suits a dedicated SBA desk that will service loans elsewhere.