We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
Fintech Origination Infrastructure For SBA Lending
Banks do not have an SBA demand problem. They have a conversion problem.
Most inbound SBA inquiries are unqualified, undocumented, mis-sized, or misaligned with the lender’s credit box. That creates slow response times, low pull-through, and frustrated borrowers.
Financely builds SBA loan funnels for banks that want consistent SBA loan leads generation, measurable customer acquisition cost, and lender-ready submissions that credit teams can actually work.
An SBA loan funnel is a bank loan origination funnel engineered around underwriting reality. It is a structured pathway that takes a borrower from intent to a complete submission package, using filters that screen out misfits early. When a bank asks for “loan funnels,” what it usually means is a predictable pipeline where each file arrives with the right deal type, minimum eligibility, and required documents already organized.
This is why a generic business funnel is not enough. SBA origination funnels must reflect SBA 7(a) and SBA 504 behaviors, typical borrower mistakes, and how SBA lender credit teams triage files during peak volume.
This model is built for SBA lenders that want consistent dealflow without buying low-quality leads or scaling internal intake staff. The most common fit is community banks, regional banks, and non-bank SBA lending platforms that want an acquisition-focused SBA pipeline or a multi-state SBA lead funnel for owner-occupied commercial real estate.
If your team is asking, “How do we get more SBA 7(a) business acquisition loan submissions that clear initial screening?” this is the system we build.
We run multi-channel borrower acquisition with an emphasis on high-intent search behavior. The goal is not clicks. The goal is qualified SBA loan applicants who match the bank’s program and credit box. Channels are selected based on controllability, intent, and scalability.
PPC ads capture immediate demand from borrowers searching for SBA 7(a) financing, SBA acquisition loans, and SBA franchise expansion loans. Paid search is the fastest way to target state-level demand and iterate on funnel economics.
We publish loan-type–specific pages that align with queries such as “SBA loan for buying a business,” “SBA franchise financing,” and “SBA 504 owner occupied commercial real estate.” These pages reduce low-quality submissions by setting expectations upfront.
Where appropriate, we integrate referral sources into the same standardized intake form so referred borrowers enter the same filters and documentation flow, not a parallel process that breaks reporting.
We segment campaigns by state, city cluster, and loan type, then scale budgets where CAC and close rates support expansion. This is how banks expand SBA origination across multiple states without losing control.
Search-based PPC works in SBA because borrowers reveal intent through exact query language. We structure campaigns around long-tail, high-conversion keywords that match how real borrowers search, including “SBA loan to buy an existing business,” “SBA loan for franchise purchase,” “SBA 504 loan for owner occupied building,” and “SBA working capital loan for small business.”
We also structure campaigns defensively using negative keywords and exclusion logic so banks do not pay for irrelevant traffic such as consumer credit topics, non-business requests, or low-quality “no-doc” demand. This is one of the simplest ways to improve ROAS in SBA lead generation.
An SBA lender marketing funnel fails when the landing page sells “easy approvals” or hides requirements. It attracts the wrong borrowers and poisons the intake. Our landing pages are written to match lender screening logic: eligibility basics, typical loan sizes, timeline expectations, and a transparent document checklist.
We build separate pages for each funnel, including SBA business acquisition loan funnels, SBA franchise expansion funnels, and SBA 504 owner occupied commercial real estate funnels, because each has different borrower questions and different deal-killer patterns.
The intake form is the core of the bank business funnel. It must collect the variables that determine viability without turning the process into a 45-minute application. We design forms that feel simple to the borrower but produce lender-grade data fields for the bank.
Typical intake questions include loan purpose, target loan amount, down payment or equity injection available, credit score range, time in business or acquisition timeline, industry experience, and basic cash flow signals. For acquisitions, we capture purchase price, seller financing assumptions if any, and whether an LOI is executed. For SBA 504 funnels, we capture owner-occupancy and property use details early to avoid wasted effort.
Filtering is not about rejecting people. It is about protecting bank underwriting capacity and improving approval rate. An effective SBA origination funnel uses clear thresholds that are aligned with the lender’s credit box, then routes the borrower accordingly.
This is where “SBA lender match tool” style lead routing often underperforms. It routes based on broad criteria, not on bank-specific credit appetite. Our funnels are designed to route only submissions that fit the lender’s profile.
Banks want documents because SBA lending is evidence-based. A borrower’s narrative is not enough. The funnel prompts uploads only after the borrower clears initial filters, which reduces friction and improves completion rate.
Common document requests include personal financial statement, two to three years of personal tax returns, borrower resume, business financial statements for acquisitions, interim financials if recent, and executed LOI or purchase agreement where applicable. We also collect a sources-and-uses summary so the bank can evaluate equity injection, seller note structure, and working capital needs quickly.
Operational point: document completeness is the fastest lever to improve SBA funnel conversion rate. Banks do not decline “good deals” as often as they decline incomplete files that cannot be underwritten efficiently.
Banks do not receive raw form submissions. They receive a normalized, lender-ready package with consistent structure across every submission. This reduces internal time spent hunting for missing items and makes performance tracking credible.
For banks that want tighter packaging, we can align deliverables to memo-grade structuring standards similar to our underwriting documentation practices.
For additional context on how we build lender-ready packages across financing products, see What We Do.
A bank needs more than “lead counts.” Funnel performance must be measurable across the entire origination pipeline. We report metrics that loan teams and marketing teams can act on.
This is how SBA loan leads generation becomes a manageable acquisition channel, not a guessing game.
Scaling is not simply raising budget. Multi-state SBA lender lead generation requires state segmentation, local intent targeting, and budget controls that prevent one geography from cannibalizing performance across others. We scale by cloning proven funnels, then localizing ad groups and landing pages by state, metropolitan area, and loan type.
Banks choose which states to activate based on licensing, footprint, and target markets. We then expand coverage systematically, using CAC and approval-rate data as the decision gate for each new state rollout.
Financely can accommodate SBA loan funnel deployments starting at USD 50,000 per quarter. This covers funnel build, campaign management including PPC ads, intake and document workflow design, and ongoing performance reporting. Banks that want multi-state scaling or multiple loan-type funnels can expand the program with additional campaigns and landing page tracks.
Based on our internal funnel tracking, we have generated over 2,300 qualified leads for lenders to date, resulting in over 250 closed loan transactions. Results vary by lender credit box, state appetite, responsiveness, and program mix, but the operating principle remains consistent: quality intake and packaging improves approval rate and reduces wasted underwriting time.
Financely operates as a fintech company focused on origination infrastructure and lender-ready packaging. We do not make credit decisions and we do not represent ourselves as a lender. The bank retains full underwriting discretion and final approval authority.
If your bank wants predictable SBA loan leads generation, measurable CAC and ROAS, and lender-ready submissions delivered through a controlled business funnel, email us to request a proposal.
Request A QuoteA bank does not need more SBA inquiries. It needs an SBA loan origination funnel that produces fewer, better, lender-ready files.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
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Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.
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