As a trusted and proven SBA Lender Service Provider and USDA Programs Lender Consultant, IFS provides community banks and credit unions with a turnkey solution that enables them to immediately expand and diversify their C&I loan portfolios.

Lenders can steadily grow market share by providing SBA and/or USDA guaranteed loans to new and existing business borrowers who cannot qualify for conventional financing.

Benefits Lenders can expect by using the Innovative Financing Solutions SBA & USDA Lending Platform

Expand the C&I Lending Platform

The Lender can offer SBA 7(a) and USDA Business and Industry/Community Facility loans, without additional staffing or capital outlay.

Reduce Loan Portfolio Credit Risk

The U.S. Government Guarantee ranging from 50% to 90% of the loan amount mitigates credit weaknesses such as absence of collateral.

Improve Customer Retention and Grow Market Share

Provide financing to existing or potential new customer relationships that don’t qualify for conventional financing.

Increase Liquidity & Generate Significant Non-interest Fee Income

The guaranteed portion of an SBA 7(a) or USDA B&I loan can be sold to institutional investors within a robust secondary market, maximizing loan profitability and reducing capital outlay.

Remain Compliant

Our expert knowledge and understanding of SBA & USDA regulatory requirements will keep the loan portfolio agency compliant and audit ready.

Start Almost Immediately

Get up and running quickly as our state-of-the art loan production platform is lender and borrower friendly resulting in prompt and efficient loan processing.

Stay in Control

Our lending partners maintain full control of their government-guaranteed lending program.

Empower Your Staff Through Training

IFS provides business development, credit and operational staff with complimentary training to establish a fundamental understanding of program requirement and best practices.

Increase Referrals

The IFS sales team actively prospects for direct qualified Borrowers that are referred to our lending partners.

Generate Leads

Our experienced lead-generation partner has a successful track record of developing in-person appointments with qualified business borrowers within strategically located geographies.

Benefit from Marketing Support

Our experienced lead-generation partner has a successful track record of developing in-person appointments with qualified business borrowers within strategically located geographies.