42-Second SBA Decisions.
Powered by Athena AI.
Meet Athena, our AI engine that processes SBA 7(a), 504, and Microloans with 98.5% accuracy. Close in days, not weeks. AI recommends, humans decide.
Trusted by 527 SBA Lenders Nationwide
Everything You Need to Modernize SBA Lending
From application intake to funding, our AI-powered platform automates every step while keeping humans in control of decisions.
AI Document Processing
Automatically classify, extract, and validate data from tax returns, financial statements, and 50+ document types with 98%+ accuracy.
Automated Underwriting
AI analyzes credit, cash flow, and collateral in seconds. Get confidence scores, risk ratings, and recommended conditions instantly.
Real-Time Decisioning
Reduce turn times from weeks to hours. AI recommends, humans decide. Full explainability for every recommendation.
SBA Compliance Built-In
Always current with SBA SOPs, NAICS restrictions, and eligibility rules. Automatic guideline sync keeps you compliant.
Multi-Role Portals
Dedicated experiences for borrowers, loan officers, underwriters, managers, and executives. Everyone sees what they need.
Executive Analytics
Real-time dashboards, pipeline forecasting, and portfolio health metrics. Generate board packages in one click.
From Application to Funding in Days, Not Weeks
Our AI handles the heavy lifting while your team focuses on relationships and decisions.
Apply Online
Borrowers complete a streamlined application. Documents are uploaded securely and instantly classified by AI.
AI Analysis
Our engine extracts data, spreads financials, pulls credit, and analyzes everything in under 60 seconds.
Human Decision
Underwriters review AI recommendations with full explainability. Approve, decline, or request conditions with confidence.
Close & Fund
Auto-generate loan documents, collect e-signatures, and disburse funds. The borrower's dream becomes reality.
Support for Every SBA Loan Type
Full automation for 7(a), 504, and Microloan programs with program-specific rules, forms, and workflows built in.
SBA 7(a) Loans
Up to $5 Million
- Standard, Small, and Express programs
- Working capital & equipment financing
- Business acquisition support
- Automated E-Tran submission
SBA 504 Loans
Up to $5.5 Million
- Commercial real estate purchase
- Major equipment acquisition
- CDC partnership automation
- Job creation tracking
SBA Microloans
Up to $50,000
- Small business & nonprofit support
- Simplified underwriting workflow
- Quick turn decisions
- Community lender integration
Trusted by SBA Lenders Nationwide
See why leading lenders choose our platform to transform their SBA operations.
"We cut our average turn time from3 weeks to 4 days. Athena's document processing alone saved us2,400 hoursin Q1. Our underwriters focus on decisions, not data entry."
Michael Rodriguez
SVP of SBA Lending, First National Bank
"The borrower portal transformed our customer experience. Applications submitted inunder 45 minutesinstead of weeks. Our NPS score jumped+40 pointsin the first quarter."
Sarah Chen
Director of Operations, Pacific Community Bank
"Compliance used to keep me up at night. Athena flags SOP violations before they become problems. We've hadzero PLP findingsfor18 consecutive months."
James Wilson
Chief Credit Officer, Metro Lending Group
Connect Your Entire Lending Stack
Seamlessly integrate with credit bureaus, e-signature providers, accounting platforms, and more.
Frequently Asked Questions
Everything you need to know about our SBA lending platform.
Most lenders are fully operational within 4-6 weeks. This includes system configuration, staff training, integration setup, and parallel testing. Our dedicated implementation team guides you through every step.
No. Our philosophy is "AI Recommends, Humans Decide." The AI provides recommendations with confidence scores and full explainability, but your underwriters always make the final call. This keeps humans in control while dramatically improving efficiency.
We support 7(a) Standard, 7(a) Small, SBA Express, 504 Standard, 504 Refinance, Microloans, and Community Advantage. Each program has its own specialized workflows, eligibility checks, and SBA form generation built in.
Our AI achieves 98.5%+ accuracy on document classification and data extraction across 50+ document types including tax returns, financial statements, and bank statements. The system flags low-confidence extractions for human review.
Yes. Our rules engine syncs monthly with SBA SOPs and automatically enforces eligibility requirements, NAICS restrictions, and program guidelines. We generate all required SBA forms (1919, 1920, etc.) and maintain complete audit trails for PLP reviews.
All plans include dedicated customer success managers, 24/7 technical support, regular training sessions, and access to our knowledge base. Enterprise plans also include on-site training and custom integration support.
See Your Savings in 60 Seconds
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Check Your Eligibility in 2 Minutes
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Based on your profile, you qualify for our full automation suite with Athena AI.
SBA Lending Thought Leadership
Stay ahead with AI-powered insights, compliance updates, and industry best practices from SBA lending experts
Ready to Transform Your SBA Lending?
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