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Wednesday, February 12, 2020

88% of Small Business Loans At Community Banks are Under $100k: A $4B Digital Profit Opportunity


Nothing more exemplifies the purpose of community banks than serving small businesses in their communities.  However, our research of 2019 FDIC shows 88% of small business loans held by community banks according are under $100k. 


These 2.5 million loans held by community banks have a loan face value averaging about $20k and an average outstanding balance of $7,745.  Research published by BAI from Paynet and FIC Advisors shows these loans cost $2,500 to underwrite and deliver even with some streamlined processes, making average costs of the loan over its life $714 a year.  Even at premium pricing providing an 8% net interest income rate, we estimate these loans generate an annual loss of $714 per loan.


 Digital technology specifically focused on this market like Business MinuteLender® generates an application in 15 seconds, a decision and loan offer in 30 seconds and provides all digital closing of documents in minutes.  This superior customer experience drives volume and efficiency.  Our client experience shows such technology turns the $1.8 Billion loss today into a $2.2B profit, or a total improvement of $4B!

$4B Small Business Loans<$100k Opportunity


Digital technology is changing FI strategy with sound underwriting.  Business MinuteLender® off-the-shelf digital technology allows FIs to provide a super customer experience in minutes on a smart device, in-branch or out, beating FinTechs.  All technology is under your brand, with sound underwriting you control for loans on your books.  Contact us for more information on how FIs from $13B United Community Bank to $200 MM Century Bank are driving small business digital lending results.



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