Deals that are already worked
Nothing reaches the marketplace until the credit memorandum is written, the sources and uses are built, and the financials are spread. You are reading a package, not a teaser email with a P&L attached.
For funding lenders
SBA deal flow that arrives underwritten.
Not a teaser email with a P&L attached. Memo written, sources and uses built, financials spread, before you ever see it. Free to join.
What lands in your inbox
Enough to say no in thirty seconds
Every listing shows loan amount, DSCR across up to three years, credit score, liquidity, injection, collateral coverage, industry and location before you ask for anything. Pass without spending a call on it.
The borrower stays anonymous until you're in
You see the economics; the borrower's identity, documents and contact details stay hidden until the originating partner approves your request. That is the same protection your own deals get here.
How it works
- 01
Apply
Tell us who you are and, if you want better matches, what you actually lend on. We review every application by hand, so listings stay hidden until we approve you.
- 02
Browse and request
Anonymized listings land in your dashboard and your inbox. Request access to the ones that fit and the originating partner decides.
- 03
Underwrite, or pass
Approved means the full file: documents, memorandum, financials, and a direct line to whoever packaged it. If it isn't for you, pass with a reason and we'll aim better next time.
Apply to join
We review every application by hand, so listings stay hidden until we approve you. Usually same day.
Want to run your own pipeline?
Reviewing deals from the marketplace is free and stays free. The software itself is a separate product: VirtualBDA, built for the bank side. Your own BDO seats, your own borrowers, document collection and closing workflow on your own deals rather than ours. It starts free for two active loans.
See VirtualBDA plans →Questions we get asked
- What does it cost?
- Nothing to join, nothing to browse, nothing to review. If a deal moves forward, any referral fee is agreed with you in writing before it does, and nothing is owed on a deal that does not fund. Paying us is a separate thing entirely: that is VirtualBDA, the software your team would use to run its own pipeline, and it is optional.
- Why do you review applications?
- Listings carry a borrower's real economics. Everyone already on the marketplace agreed to that on the understanding that the other side is a real institution, so we check.
- Do I compete with other lenders on a deal?
- Less than you would expect. We open a deal fully to a couple of lenders at a time, not to the whole list. And once you put a proposal or term sheet in front of us, we do not shop your terms as long as we are confident the deal closes. This is not a race to the bottom on rate, it is a search for who can actually get it done. If the borrower comes back asking for different terms, that is when we would look at other options.
- What if I already work with sbaloansHQ?
- If a partner has already added you as a reviewer you can keep using that login. Applying here adds the marketplace on top, so you see deals nobody sent you directly.
Not a lender, but you have a deal to place? Refer it to us.