SBA Collective

Lending Matrix Builder

Helping SBA Programs Take Root

Design Your Lending Matrix

Define Your Risk. Measure Your Reward.

Tell us how you want to lend. We'll instantly grade your credit box on risk and competitiveness — and translate it into estimated interest rate spreads and secondary market premiums.

Step 1

Configure your credit box

Walk through each use of proceeds. Toggle off any product you don't offer.

General Credit Box
Baseline parameters that apply across every loan.

Drag the handles to set your minimum and maximum loan size.

Minimum
$50,000
Maximum
$5,000,000

Slide between 600 and 725.

680

Select the industries you don't want to lend to.

$750,000 or less is conservative; $2,500,000+ is aggressive.

$2,500,000
Owner-Occupied Commercial Real Estate
Real estate purchased by an existing operating business.
Offered

Hotels, gas stations, car washes, etc.

Check all property types you do not want to lend on.

Business Acquisitions
Buyer purchasing an existing operating business.
Offered
Start-Up Franchise
Brand-new franchised location, no operating history.
Offered
Expansion
Existing business expanding operations or adding a location.
Offered

Ready to see how your program grades?