A business banker on your deal. Not just a lead form.
Founded in the San Francisco Bay Area in 1982, Small Business Lending, Inc. is a direct SBA correspondent and wholesale lender — not a marketplace that collects your information and resells it. Here is what four decades of hands-on lending experience means for your transaction.
Four decades of small business lending, one file at a time.
Wayne Evans founded Small Business Lending, Inc. in the San Francisco Bay Area in 1982 on a simple idea: a small business owner seeking financing deserves a banker who understands the deal, not a call center reading from a script. That idea still shapes how the company operates today.
Small Business Lending, Inc. is now a direct correspondent and wholesale lender affiliated with Direct Wholesale Rates, LLC, which is affiliated with SNB Bank NA, Member FDIC, placing SBA 7(a), SBA 504, USDA B&I, conventional commercial real estate, and bridge loans with banks, credit unions, and CDCs nationwide. That longevity is also why the company's leadership has been nominated three times for the SBA Financial Services Advocate of the Year award by the San Francisco district office — recognition earned by staying involved in transactions long after a typical broker would have moved on.
We are not a lead marketplace.
A growing number of websites exist to collect a loan inquiry and sell it to the highest bidder. Small Business Lending, Inc. is not one of them. We are a direct SBA correspondent and wholesale lender, and the banker who first reviews your file is the same person who sees it through to closing.
We Don't Resell Your File
As a direct correspondent and wholesale lender, we originate and place your request through our own relationships — your information isn't sold to competing lenders or call centers.
A Real Banker Reads Your File
Every submission is reviewed by an experienced small business banker, not scored and routed by an algorithm.
One Team, Start to Finish
The banker who first reviews your transaction stays involved in structuring, underwriting, and closing it — not a rotating cast of representatives.
Direct Relationships, Nationwide
We combine correspondent and wholesale relationships with banks, credit unions, and CDCs across the country, so your request reaches lenders positioned to say yes.
Structuring, underwriting, packaging, lender coordination, and closing — one team, beginning to end.
A correspondent and wholesale network built over four decades.
Rather than relying on a single funding source, we maintain active relationships with lenders across the country — giving each transaction more than one path to approval. When a deal doesn't fit one lender's credit box, we know which relationship it does fit, instead of sending a decline and moving on.
Industries and transactions we finance.
Let our lending team review your request.
Submit the basic transaction information and a member of our team will contact you regarding possible structures and next steps.