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How Capital City Bank plans to expand small business lending with Abrigo

Faster SMB lending

Seeking speed and automation

Like many community banks, Capital City Bank is facing growing competition from larger financial institutions and the increased expectations of customers accustomed to fast, digital-first service. As the bank began to expand into the Atlanta area hoping to boost small business lending, Senior Vice President Daniel Fowler and his team knew they needed to innovate to thrive in new markets. Capital City Bank sought a comprehensive solution that would not only speed up their lending process but also allow them to reduce errors and improve compliance. When they began beta testing Abrigo’s platform, they immediately saw the benefits of streamlining their lending operations.


“The automation is what really stood out,” Daniel Fowler said. “We were impressed with how we could build workflows that automate much of the decision-making process, which allows us to serve our small business customers with the same speed and accuracy that we give our consumer loan customers.”

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Get rid of siloes

Before beta-testing Abrigo Small Business Lending, Fowler’s institution relied on several systems for various types of loans. This siloed approach slowed down loan processing and created inefficiencies for loan officers and support staff. However, Abrigo's platform changed all of that.

“Now, our loan officers and lending assistants have a better experience because they’re no longer juggling multiple processes,” Fowler explained. “With everything in a digital format, we can capture data upfront through a portal and move it through the system seamlessly.”

Capital City Bank now enjoys a more streamlined workflow where all loan data is centralized, allowing team members to make decisions quickly and accurately. Fowler noted a significant improvement in loan time-to-approval, which has been a key metric of success for his team.

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