Solutions
SBA loan origination software for community lenders and CDFIs
What SBA origination requires from a software platform
SBA 7(a) and 504 loan origination carries specific documentation requirements — SBA forms, credit memo structure, collateral and equity injection verification, personal financial statement review, and use-of-proceeds documentation. Lenders submitting guaranty purchase requests to the SBA must produce a complete, organized credit file demonstrating that underwriting met applicable SBA Standard Operating Procedure requirements.
For small SBA lenders and CDFIs, managing that documentation in email and shared drives creates risk: files are incomplete, versions get confused, and assembling a guaranty purchase request takes days. A structured case workflow that enforces document requirements and produces a permanent audit record addresses all of these.
Credit analysis and evidence capture
SBA underwriting requires documented cash flow analysis, global income analysis for guarantors, and a credit memo that connects the analysis to the credit decision. Hadrian's evidence graph holds the financial documents, analysis, and credit memo in one place — linked to the case and accessible to any authorized reviewer.
The operator-gated AI trust dial can accelerate the analytical portions of SBA underwriting: AI can parse business financial statements, extract global income inputs, and generate a first-draft credit summary for underwriter review. The underwriter reviews, edits, and approves — with approval recorded in the audit ledger.
Audit trail for SBA examination and guaranty purchase
SBA lenders face examination by SBA district offices and the risk of guaranty denial if the credit file is incomplete or does not demonstrate compliance with SBA SOP at origination. A tamper-evident audit trail — showing the documents reviewed, the analysis performed, and the decision made, in chronological order with reviewer attribution — is the documentation foundation for both examination and guaranty purchase defense.
Hadrian does not constitute SBA compliance or SBA lender authorization. Operators must ensure their underwriting process and credit file satisfy current SBA SOP requirements. Verify current SBA requirements directly with SBA or qualified SBA counsel.
FAQ
SBA Loan Origination Software — common questions
Does Hadrian integrate with SBA's ETRAN or other SBA systems?
Hadrian's API-based integration framework can support connections with external systems including SBA platforms. Specific integration availability depends on your plan and configuration. Contact us to discuss your SBA system integration requirements.
Can Hadrian handle both SBA 7(a) and 504 loan workflows?
Yes. Hadrian's case workflow is operator-configured per loan type. SBA 7(a) and 504 deals have different documentation requirements and credit structures — each can be configured as a separate workflow with its own intake fields, document checklists, and review stages.
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