Products


Small Business Loan Exchange ™ >>
Small Business Loan Exchange is an on-line forum connecting Small Business Lenders and Business Brokers, Franchisee's, Loan Brokers and other Lenders with deals which they can not fund themselves with qualified Lenders seeking available deals. Posting and Finding deals is quick, easy and FREE.

GovGex.com™ >>

The Governement Guaranteed Loan Exchange (GovGex.com), is an online forum connecting lenders selling government guaranteed loans with buyers. Bring greater efficiency and transparency and with it better prices. All while keeping your auditors smiling. It's FREE to buyers and sellers, and the seller always keeps 100% of the sales proceeds.       Learn More >>       Sign-Up for the Exchange >>


ScoreEdge™ >>
ScoreEdge brings the science of credit scoring to small business loans, allowing for rigorous, consistent origination decisions.

RiskRate™ >>
RiskRate identifies the risk of default for each small business loan in a lender's portfolio with the precision of and statistical model.

Oscore™ >>
Oscore brings analytics to the evaluation of the borrower’s management. Using a proven, patent pending model, Oscore scores the application based on management assessments of the borrower’s principals, better quantifying risk for a more profitable origination decision.

ExpressEdge™ >>
ExpressEdge delivers faster loan approval, easier training, simpler qualifying, and lower costs by providing users with a straight-forward tool to rapidly identify viable loans. 

Small Business Loan Exchange
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Click here to request access to the Exchange>>
Click here to register for an upcomming Small Business Loan Exchange Webinar>>
Small Business Loan Exchange FAQ >>
Small Business Loan Exchange Online Training >>  
Small Business Loan Exchange User Agreement >>  

Boost Revenue - Far too often lenders make significant investment in marketing and underwriting but when a loan doesn’t fit their credit box they are unable to earn revenue. 
      Now with the Small Business Loan Exchange these unfunded loans can be posted in an easy to use online forum and made available to other SBA Lenders.  The result can be earned referral fees on deals otherwise thrown away.   For the Sourcing Lender it’s a rich deal flow source, with a powerful risk metric in ScoreEdge.

Post Deals you are not funding
Online Posting is quick, easy, and free
Deal outline visible to all Exchange members
Earn brokering fee
All Deals automatically scored with ScoreEdge™
Confidentiality protocols

Find Deals on the Exchange
Finding deals is quick, easy, and free
Deals outline visible to all Exchange members
Limited Time Offer: Free Premium Membership
Ask questions to Poster
All Deals automatically scored with ScoreEdge™
Scoring fee only for funded loans!

Powered by ScoreEdge - All posted deals will include the SBA market’s most powerful risk score. Built by analyzing hundreds of thousands of actual SBA loans, ScoreEdge delivers a data driven risk score when it matters most: at origination.
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ScoreEdge
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download ScoreEdge 504 LMS brochure>>
view sample ScoreEdge Credit Report>>

Built on Hundreds of Thousands of Loans - ScoreEdge was developed using a statistically representative national sample of hundreds of thousands of seasoned conventional and government guaranteed loans. One simple score places at your disposal more lending experience than a credit officer could develop in an entire career.

Completely Flexible - ScoreEdge can be used directly, tuned to your portfolio, or fully customized to the specifics of your lending environments.

Built with SBA lenders in Mind - Finally, the power of a credit score developed by analyzing thousands of actual SBA originations and their subsequent performance!

Web Enabled - Low cost and easy to use, lenders access ScoreEdge from a secure web-interface, and pay only for loan applications that they score. With ScoreEdge there is no capital intensive software, annual maintenance fees or complicated integration.  Lenders can start scoring loans immediately with the information they are already capturing.

Improved Profitability - A recent blind test of historical loans by a national-SBA lender evidenced the analytical power of ScoreEdge. Had the scoring model been in place when those loans were originated the lender would have added more than $1500 on each loan approved. What would $1500 of profit-lift per loan add to your bottom-line?
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RiskRate
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view sample RiskRate Report >>

More Profitable Serving Decisions - Which loans warrant a site visit? Which loans deserve a deeper review? RiskRate helps answer such questions through its powerful score report. And with the more exact and efficient measure of risk you can have your most important resource - your credit staff - focus on the riskiest loans.

A Best Practice - Regulators constantly push lenders to rely on more data-driven risk tools. In fact, the SBA considers risk rating a portfolio a best practice. RiskRate is an empirical model and therefore can be a critical part of a diligent lender's policies and procedures.

The Most Important Data- RiskRate evaluates the payment history and reported financials of every loan in your portfolio. The result is an easy to understand score presenting the default risk of each loan.

Built on Hundreds of Thousands of Loans - RiskRate was developed using a statistically representative national sample of hundreds of thousands of seasoned conventional and government guaranteed loans.
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Oscore
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A New Window - Oscore provides an analytical window into the currently subjective assessment of a borrower’s management. We help answer the important question: Can I depend on management to repay this loan?

Quantify Characteristics - Would you hire someone without an interview? Then why lend without Oscore? In contrast to the information available from financial statements and vendor business reports, personal characteristics are not currently measured or analyzed quantitatively in the lending process.
Are the borrowers too aggressive when risking others’ money?
Are they too conservative to make a business successful?
Are they ethical?
Do they possess fortitude of character?
Are they reliable?
When facing future difficulties, will they cash out as much as possible and leave the      lenders exposed, or will they fight and make sacrifices to keep their obligations?

A Mature Concept - Quantitative measurement of personal characteristics, while unfamiliar to the financial industry, is a well-explored domain in psychology. Psychometry, as this field is known, has been researched and analyzed statistically and qualitatively for nearly a century.

Widely Proven - Psychometric tests are employed extensively throughout a wide spectrum of applications including, among others: pre-employment screening, marketing and segmentation, education, management of military manpower and career planning. Personality typing tests, unlike tests of skills or domain knowledge, identify tendencies such as integrity or risk tolerance by asking a series of true/false question. 

Long Accepted by Banks - A great percentage of lenders use such personality assessments to assist with hiring decisions using such tools as Calipers™, Myers Briggs™, and The Predictive Index™. Which raises the obvious question: If you wouldn't extend a $60,000 job offer without assessing a candidate objectively then why not apply the same diligence when extending $1,000,000 in credit to a borrower?
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ExpressEdge
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Optimize - ExpressEdge delivers more loans, faster approval, easier training, simpler qualifying, and lower costs.

Simplify - ExpressEdge provides users with a straight-forward tool to rapidly identify viable loans. Simple laptop-oriented software unchains your sales people from their desks; sophisticated SBA expertise reduces underwriters’ workload; automatic compliance letter generation simplifies regulatory overhead.

Intuitive - ExpressEdge reduces training time from weeks to hours by combining
Excel worksheets with expert knowledge of the SBA process and compliance. Users simply fill in
answers to intuitive questions and are guided through the process by direct instructions.

Free Your Resources - Quick to learn, easy to use, ExpressEdge gives your most valuable resource, your staff, what they need most: more time.
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