FOR SBA LENDERS
Your BDOs build relationships. Virtual BDA handles the rest.
AI document collection, smart follow-up reminders, e-signatures, and a live pipeline — so your team spends time on borrowers, not paper. All under your brand.
1,000+
SBA loans closed
$500M+
in funded transactions
38+
states served
The Problem
SBA lenders are losing loans to paperwork
Documents Arrive in Chaos
Email, Dropbox links, text messages — every borrower sends documents a different way. Nothing is organized, nothing is named right, and nothing is in one place.
BDOs Chase Paper, Not Loans
Your team spends more time hunting down tax returns and bank statements than actually closing loans. That is not what you hired them for.
No Visibility Into the Pipeline
Without a system, nobody knows where each loan stands. Loans stall, deadlines get missed, and borrowers go quiet because nobody followed up.
What your BDO team gets on day one.
Virtual BDA handles the paperwork so your team can focus on closing.
AI Document Summary and Naming
Borrowers upload once. Virtual BDA instantly names, sorts, and summarizes every document — no more chasing "what did you send me?" and no more folders full of "final_v2_FINAL.pdf". Live today.
Smart Document Reminders
Set your own reminder schedule — day 3, day 10, day 21, or daily. Upload anything and the clock resets. Either the borrower or your team can pause when life happens. No pestering. No burned relationships.
E-Signature with Prefilled Borrower Data
Send signature-ready forms with borrower information already filled in. One click for the borrower, no manual entry errors for your team.
Lender Pipeline Dashboard
See every active loan, its current stage, and what is still outstanding — all in one view. Know where every deal stands without asking.
Your Borrowers See Your Name, Not Ours
Every document request, every e-signature, every reminder is sent under your brand. Your borrowers never see "Virtual BDA" or "sbaloansHQ." It is your portal, your name, your relationship.
Custom Apply Page Under Your Brand
Every lender gets a custom borrower apply page. Share the link in an email, embed it on your website, or text it to a prospect. Borrowers apply in under two minutes — and the lead goes straight into your pipeline.
Add Multiple Parties to Any Deal
Co-borrowers, spouses, business partners — add them all securely. Need a tax return from the accountant or a financial statement from a CPA? Send a secure document request to any outside party directly from the deal. No login required on their end.
BDO Seats and Coordinator Access
Add seats anytime. BDO seats at $49/month let your team members each manage their own pipeline. Coordinator seats at $49/month are perfect for outside processors or LSPs — they only see the deals you share with them.
Tax Transcript Ordering via TOD (Coming Soon)
Order IRS tax transcripts directly through the platform via TOD integration. No separate portals, no manual ordering.
AI Credit Memorandum Generation (Coming Soon)
Generate a complete, professionally formatted credit memorandum from the borrower file in minutes. Consistent, compliant, and ready for your credit committee.
AI Financial Spread and Analysis (Coming Soon)
Automatically analyze tax returns and financial statements into a structured spread ready for underwriting. Hours of manual work, done in minutes.
- 2 active loans (paused deals don't count)
- 5 e-signature documents lifetime
- AI document summary and naming
- Basic document collection
- Up to 15 active loans (paused don't count)
- Unlimited e-signature with prefilled borrower data
- AI document summary and naming
- Extra 5-deal blocks: $49/month per block
- Add a BDA seat: $49/month per seat
- AI credit memorandum generation (coming soon)
- AI financial spread and analysis (coming soon)
- Requires Growth plan
- US-based SBA processing specialist
- Document follow-up and checklist management
- Borrower communication handled for you
- Your team closes loans. We chase the paper.
- White-label portal (your name, not ours)
- Multi-team access
- Volume pricing
- Dedicated support
- Custom integrations
See Virtual BDA in your lender workflow
Start a free trial and bring your first loan through the platform. No card required, no setup fees.
Choose your plan
Start free. Upgrade when your pipeline grows.
Starter
$0/forever
For SBA lenders just getting started with digital loan management
Growth
$249/month
billed annually
For SBA lenders closing loans consistently
Human Assist
$415/month
billed annually
Add-on for Growth — a real US-based SBA specialist works your pipeline
Institution
Custom/pricing
Full department-level setup for multi-branch institutions and SBA departments
FAQs
Questions from SBA lenders
Virtual BDA supports all major SBA loan programs — 7(a), 504, SBA Express, and Export Loans. The platform is built around how SBA lenders actually process these loans, from document collection through credit committee.
A LOS handles the back-end approval and booking process. Virtual BDA handles everything that happens before that — getting documents from borrowers, organizing them, generating the credit memo, and managing e-signatures. It works alongside your existing LOS, not instead of it.
Yes. The Growth plan includes your admin seat. Additional BDO seats are $49/month each — bring your own person, they get their own login and pipeline view. Coordinator seats are also $49/month and are perfect for outside processors or LSPs who should only see the deals you share with them.
AI credit memorandum generation is coming soon on the Growth plan. When live, the platform will generate a structured credit memo from the borrower file — pulling in business financials, ownership, loan purpose, collateral, and cash flow analysis into a consistent format your credit committee expects. You review and approve before anything goes anywhere.
All data is encrypted in transit and at rest. Borrowers access documents through their own secure portal — no shared Dropbox folders, no email attachments sitting in someone's inbox. Access logs are maintained for audit purposes.
No credit card required
or