FOR SBA LENDERS
You build relationships. Virtual BDA handles the paperwork.
AI document collection, follow-up reminders, e-signatures, and a live pipeline — so you spend your time on borrowers, not paperwork. 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.
You're Chasing Paper, Not Loans
You spend more time hunting down tax returns and bank statements than actually closing loans. That is not what you are here 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 you get on day one.
Virtual BDA handles the paperwork so you 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.
AI Package Summary
The system reads all the documents on a deal together and writes a credit-ready overview: key details, financials, and any discrepancies or missing items, ready to drop into your credit memo.
AI Credit Memorandum Generation
Generate a complete, professionally formatted credit memorandum from the borrower file in minutes. Consistent, compliant, and ready for your credit committee.
Document Reminders
Send a reminder at the level that fits — the whole deal, a specific bundle, or a single document — whenever the timing is right. Recipients can turn reminder notifications off anytime, so it never feels like pestering.
E-Signature with Saved Borrower Data
Collect, save, and sync borrower field data across the deal, then send signature-ready forms. One clean signing flow for the borrower and fewer 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 Brand, Front and Center
Your logo, your links, your brand color. Every document request, e-signature, and reminder goes out under your name, so the experience feels like yours.
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.
Additional User Seats
Three seat types fit every role on your team. Full seats ($249/mo annual or $299 monthly) generate e-signatures and AI summaries. Assistant/Processor seats ($49/mo) give full working access and count against your included monthly caps. Viewer seats are free and unlimited — for approvers, managers, and upload-only referral partners.
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 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)
- Basic document collection
- Borrower portal
- Unlimited active deals
- 150 e-signature documents per month
- 50 AI package summaries per month
- Overage: $49 per additional 100 e-signature documents
- AI document summary and naming
- AI package summary across the whole deal
- AI credit memorandum generation
- White-label borrower portal
- Assistant/Processor seat: $49/mo (uses your included caps)
- Viewer seat: Free, unlimited (approvers, managers, read-only)
- AI financial spread and analysis (coming soon)
- Requires Growth plan
- A dedicated US-based SBA specialist helps work your pipeline — monitoring your active deals daily
- Borrower follow-up handled — calls, emails, document nudges
- Checklist management — your specialist tracks what's missing and why
- Deals that go quiet get attention before they die
- Direct communication line to your specialist during business hours
- Weekly pipeline summary so you always know where things stand
- You close loans. We chase the paper.
- White-label portal (your logo, links, and brand color)
- 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
Per BDO seat. For SBA lenders closing loans consistently.
Human Assist
$899/month
billed annually
A $5,000/month processor. For $899.
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 primary BDO seat. There are three seat types: Full seats ($249/mo annual or $299 monthly) for BDOs or brokers who generate e-signatures and AI summaries; Assistant/Processor seats ($49/mo) for team members who work deals but draw against your included monthly caps; and Viewer seats (free, unlimited) for approvers, managers, and upload-only referral partners who need read-only or upload access.
On the Growth plan, Virtual BDA generates 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