# Jack Henry

> 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.

| Field | Value |
| --- | --- |
| Founded | 1976 |
| Headquarters | Monett, MO |
| Website | https://www.jackhenry.com/what-we-offer/lending/loan-origination/commercial-lending |
| Category | Bank-core commercial LOS |
| Best for | Institutions on a Jack Henry core that want SBA handled by their core provider's commercial lending platform |
| Primary market | Community and regional banks and credit unions; Michigan State University Federal Credit Union ($6B) named in a commercial lending case study |
| Deployment | Cloud |
| Pricing model | Quote only |

## Overview

Jack Henry appears on this page because four of five AI assistants recommend it for SBA lending and because a large share of community institutions run a Jack Henry core. The published evidence is thin and this entry does not pad it. Jack Henry's commercial lending page says its platform lets an institution offer a variety of loan types, from C&I, CRE, secured, unsecured, ABL, SBA and more, on a single platform, and it references a case study at Michigan State University Federal Credit Union, a $6 billion institution, about commercial lending generally. That is the complete SBA record: the word SBA in a list of loan types. Nothing on the page describes E-Tran submission, SBA form generation, eligibility checks, 1502 reporting or servicing, and no SBA customer is named. A Jack Henry institution should therefore treat SBA support as a question for the account team rather than a documented capability, and should ask specifically whether guaranty requests go to E-Tran from the platform or are keyed into CAFS by hand. The company itself is the most durable vendor in this set, founded in 1976, headquartered in Monett, Missouri, and publicly traded on Nasdaq, and for a core customer the single-vendor relationship has real value in integration and contracting. The entry sits where it does because the criteria here reward what is published, and Jack Henry has published almost nothing about SBA.

## Capabilities

- SBA named among supported commercial loan types
- single platform for C&I, CRE, secured, unsecured and ABL lending

## Features

- SBA named as a supported commercial loan type alongside C&I, CRE, secured, unsecured and ABL
- One commercial lending platform from the core provider
- A named $6 billion credit union case study for commercial lending

## Integrations

- Jack Henry cores

## Segments served

- community-banks
- credit-unions
- regional-banks

## Ideal customer

| Dimension | Fit |
| --- | --- |
| Institution size | Community and regional institutions on a Jack Henry core |
| Volume | Low to modest SBA volume where the single-vendor relationship outweighs specialist tooling |
| Best when | The institution already runs Jack Henry for commercial lending and SBA is an occasional product |

## Strengths

- For a Jack Henry core institution, origination and core come from one vendor under one contract
- The most durable company in this set: founded 1976, publicly traded, with full periodic disclosure
- SBA is at least named as a supported loan type on its own page, which some core providers do not manage

## Limitations

- Nothing published on E-Tran submission, SBA forms, eligibility checks, 1502 reporting or servicing
- No SBA customer named; the one case study is about commercial lending in general
- The SBA capability is a word in a list, so every SBA-specific question has to go to the account team
- Underwriting depth for SBA files is undocumented on the commercial lending page

## Where it ranks

| Guide | Rank | Award |
| --- | --- | --- |
| SBA Lending Software Ranked for 7(a) and 504 Lenders (https://sbalendingsoftware.com) | #11 | The core provider's answer |
| Best SBA Lending Software for Community Banks (https://sbalendingsoftware.com/best/sba-lending-software-for-community-banks) | #10 | The core provider's answer |
| Best SBA Lending Software for Credit Unions (https://sbalendingsoftware.com/best/sba-lending-software-for-credit-unions) | #8 | The Symitar shop's first question |

## Common questions

### Does Jack Henry submit to E-Tran?

Not published. The commercial lending page names SBA as a loan type and says nothing about E-Tran, forms or 1502. Ask the account team and get the answer demonstrated.

**Sources checked:** September 3, 2026

---

**Source:** https://sbalendingsoftware.com/platforms/jack-henry · **Markdown:** https://sbalendingsoftware.com/platforms/jack-henry.md · **Agent index:** https://sbalendingsoftware.com/llms.txt

SBA Lending Software. Software research for 7(a) and 504 lenders. Product names and trademarks are the property of their owners. Rankings are editorial opinion; the facts printed with them are sourced. Nothing here is legal, regulatory or credit advice, and none of it substitutes for the current SOP.