{"id":16108,"date":"2020-09-01T21:02:29","date_gmt":"2020-09-01T21:02:29","guid":{"rendered":"https:\/\/www.abrigo.com\/?p=16108"},"modified":"2020-12-16T17:06:11","modified_gmt":"2020-12-16T17:06:11","slug":"3-ways-sba-lending-after-ppp-can-help-banks-credit-unions-grow-mitigate-risk","status":"publish","type":"post","link":"https:\/\/www.abrigo.com\/blog\/3-ways-sba-lending-after-ppp-can-help-banks-credit-unions-grow-mitigate-risk\/","title":{"rendered":"3 Ways SBA Lending After PPP Can Help Banks, Credit Unions Grow, Mitigate Risk"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"16108\" class=\"elementor elementor-16108\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bc9d5c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc9d5c6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-858165c\" data-id=\"858165c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ce1f53e elementor-widget elementor-widget-abo-text-media\" data-id=\"ce1f53e\" data-element_type=\"widget\" data-widget_type=\"abo-text-media.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n        <div class=\"container\">\n      <div class=\"split-container split-container--reversed\">\n                  <div class=\"split-container__content\">\n            <img fetchpriority=\"high\" class=\"split-container__image\" data-src=\"https:\/\/www.abrigo.com\/wp-content\/uploads\/2019\/10\/Illustration-Lending-700x450.png\" width=\"700\" height=\"450\" alt=\"\">\n          <\/div>\n                <div class=\"split-container__content \">\n          <div class=\"split-container__text\">\n                                    <p>\n              <h3>Key Takeaways<\/h3><ol><li><span style=\"color: #99ccff;\"><a style=\"color: #99ccff;\" href=\"https:\/\/www.abrigo.com\/blog\/2020\/09\/01\/3-ways-sba-lending-after-ppp-can-help-banks-credit-unions-grow-mitigate-risk\/#techupgrade\">Most financial institutions have implemented technology to help handle Paycheck Protection Program (PPP) loans.<\/a><\/span><\/li><li><span style=\"color: #99ccff;\"><a style=\"color: #99ccff;\" href=\"https:\/\/www.abrigo.com\/blog\/2020\/09\/01\/3-ways-sba-lending-after-ppp-can-help-banks-credit-unions-grow-mitigate-risk\/#leveragetech\">Lenders leveraging that technology to provide SBA loans after PPP can add products, grow customers, and add portfolio stability.<\/a><\/span><\/li><li><span style=\"color: #99ccff;\"><a style=\"color: #99ccff;\" href=\"https:\/\/www.abrigo.com\/blog\/2020\/09\/01\/3-ways-sba-lending-after-ppp-can-help-banks-credit-unions-grow-mitigate-risk\/#refinancedebt\">Lenders restructuring existing loans with SBA funding should move quickly before financials deteriorate.<\/a><\/span><\/li><\/ol>            <\/p>\n                      <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-90b3257 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"90b3257\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-52ed730\" data-id=\"52ed730\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fed3ee7 elementor-widget elementor-widget-abo-titles-headlines\" data-id=\"fed3ee7\" data-element_type=\"widget\" data-widget_type=\"abo-titles-headlines.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n      <div class=\"container\">\n        <div class=\"anchor-offset\" id=\"techupgrade\"><\/div>        <h3 class=\"subhead\">\n          PPP drove major technology upgrades        <\/h3>\n      <\/div>\n\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f38470a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f38470a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-345d5de\" data-id=\"345d5de\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e15c31 elementor-widget elementor-widget-abo-text-content\" data-id=\"4e15c31\" data-element_type=\"widget\" data-widget_type=\"abo-text-content.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n    \n        \n      <div class=\"container container--narrow\">        \n        <div class=\"type\">\n          <style>\n            .elementor-element-4e15c31 .type li:before {\n                              color: #f9d032;\n                          } \n          <\/style>\n          <blockquote><strong>To receive updated information on any new round of PPP funding and how lenders can participate, <a href=\"https:\/\/www.abrigo.com\/keep-me-informed\/\">subscribe to our newsletter<\/a>.<\/strong><\/blockquote>\n\nFor many financial institutions scrambling to assist small businesses by participating in the Small Business Administration\u2019s (SBA) Paycheck Protection Program (PPP), implementing new technology has been the only possible way they could handle the crush of PPP applicants and paperwork.\n\n<img decoding=\"async\" class=\"wp-image-16110 size-medium alignleft\" src=\"https:\/\/www.abrigo.com\/wp-content\/uploads\/2020\/09\/70pPPPtech-300x269.png\" alt=\"\" width=\"300\" height=\"269\" srcset=\"https:\/\/www.abrigo.com\/wp-content\/uploads\/2020\/09\/70pPPPtech-300x269.png 300w, https:\/\/www.abrigo.com\/wp-content\/uploads\/2020\/09\/70pPPPtech-200x179.png 200w, https:\/\/www.abrigo.com\/wp-content\/uploads\/2020\/09\/70pPPPtech.png 401w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\n\nBetween the numbers of applicants,\u00a0the strong demand for limited funds, and the restrictions on face-to-face transactions, financial institutions without automation were easily overwhelmed.\n\nIn fact, 70% of bank executives and directors said their institutions had implemented or upgraded an application or technology specific to PPP loans, according to Bank Director\u2019s new <a href=\"https:\/\/www.bankdirector.com\/issues\/technology\/2020-technology-survey-results-accelerating-the-drive-to-digital\/\">2020 Technology Survey<\/a>.\n\nNow, many of the nearly 5,500 SBA-approved lenders that are participating in the PPP are weighing the option of leveraging that technology to continue to provide SBA lending after PPP.        <\/div>\n      <\/div>\n\n        \n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-12e8ed0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"12e8ed0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-074b399\" data-id=\"074b399\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21ac0da elementor-widget elementor-widget-abo-titles-headlines\" data-id=\"21ac0da\" data-element_type=\"widget\" data-widget_type=\"abo-titles-headlines.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n      <div class=\"container\">\n        <div class=\"anchor-offset\" id=\"leveragetech\"><\/div>        <h3 class=\"subhead\">\n          Leveraging tech for SBA lending after PPP        <\/h3>\n      <\/div>\n\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a115c8e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a115c8e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-53e387b\" data-id=\"53e387b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1cf856b elementor-widget elementor-widget-abo-text-content\" data-id=\"1cf856b\" data-element_type=\"widget\" data-widget_type=\"abo-text-content.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n    \n        \n      <div class=\"container container--narrow\">        \n        <div class=\"type\">\n          <style>\n            .elementor-element-1cf856b .type li:before {\n                              color: #f9d032;\n                          } \n          <\/style>\n          <p>There are multiple benefits to doing this, but here are three:<\/p><ol><li>For some community financial institutions, SBA lending represents a new product. Indeed, only about 1,700 lenders participated in the SBA\u2019s 7(a) program in fiscal 2019.<\/li><li>For institutions considering planning to continue SBA lending after PPP, it may also provide an opportunity to obtain new customers.<\/li><li>SBA loan programs may provide a way to restructure existing loans for some current clients while ensuring greater portfolio stability for the bank or credit union. The portion of any loan that the SBA guarantees does not count against the financial institution\u2019s lending limit. In addition, banks and credit unions can <a href=\"https:\/\/colsonservices.bnymellon.com\/_locale-assets\/pdf\/guide-to-sba-7(a)-secondary-market-loan-sales.pdf\">sell the guaranteed portion of SBA loans<\/a> they make on the secondary market yet retain servicing rights and some fees.<\/li><\/ol><p>\u201cSBA lending provides liquidity, while you retain the relationship and you get paid for servicing,\u201d noted Michael Wear, owner of 39 Acres Corp., which specializes in banker training and bank consulting services in credit risk underwriting and loan portfolio risk. \u201cA side benefit is when you help a business owner who\u2019s not having the best day financially, they\u2019re not only appreciative, they become great word-of-mouth advertising and references for prospects,\u201d he said during a recent <a href=\"https:\/\/www.abrigo.com\/webinars\/recession-credit-risk-management-best-practices\/\">Abrigo webinar on SBA 7(a) lending<\/a>.<\/p><p>During the last recession, the SBA increased its maximum loan guarantee to 90% of the loan amount (from the current cap of 85% on loans of less than $150,000), and while it hasn\u2019t yet done so for this recession, it has increased loan sizes and streamlined processes, Wear noted.<\/p><p>Among webinar participants surveyed during the session:<\/p><ul><li>31% said they anticipate their institution will do more SBA refinancing of existing debt going forward<\/li><li>18% said their institution doesn\u2019t currently do SBA lending besides PPP but plans to<\/li><li>18% said their institution plans on using government guarantees to obtain new customers<\/li><li>34% said they anticipate no change at their institution in SBA lending volume or use.<\/li><\/ul>        <\/div>\n      <\/div>\n\n        \n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33e2387 elementor-widget elementor-widget-abo-titles-headlines\" data-id=\"33e2387\" data-element_type=\"widget\" data-widget_type=\"abo-titles-headlines.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n      <div class=\"container\">\n        <div class=\"anchor-offset\" id=\"refinancedebt\"><\/div>        <h3 class=\"subhead\">\n          Act soon to refinance debt with SBA after PPP        <\/h3>\n      <\/div>\n\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b66aa1c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b66aa1c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2afa34a\" data-id=\"2afa34a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ec248ae elementor-widget elementor-widget-abo-text-content\" data-id=\"ec248ae\" data-element_type=\"widget\" data-widget_type=\"abo-text-content.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n    \n        \n      <div class=\"container container--narrow\">        \n        <div class=\"type\">\n          <style>\n            .elementor-element-ec248ae .type li:before {\n                              color: #f9d032;\n                          } \n          <\/style>\n          <p>Some commercial lenders might question why they should be talking about SBA lending now when they haven\u2019t even processed PPP loan forgiveness applications for all of their customers or members yet. Or, they might wonder whether it\u2019s too late to start 7(a) lending if they\u2019ve never done it before the PPP. \u201cIt\u2019s not too late to start, but it\u2019s later than you think,\u201d Wear said.<\/p><p>Lenders doing standard 7(a) SBA lending, considered the \u201cmothership\u201d of SBA loans, Wear said, will likely need a learning curve, and even lenders that have worked on 7(a) loans in the past may find that a lot has changed in recent years. SBA 7(a) loans have a maximum loan amount of $5 million, but multiple loans are allowed.<\/p><p>In addition, an institution cannot pass a known loss on to the government, so banks or credit unions considering refinancing existing debts on the books now will need to act quickly before financials demonstrate severe losses.<\/p><p>For existing loans to be eligible for SBA refinancing, they must be on what the SBA considers \u201cunreasonable terms,\u201d which can include the following:<\/p><ul><li>Having an interest rate over maximums for SBA program used<\/li><li>Having a balloon payment, being a short-term note<\/li><li>Having an aggressive pay down schedule or being over-collateralized<\/li><li>Using debt to finance a change of ownership (where the new owner will own 100%).<\/li><\/ul><p>In order to be eligible for SBA refinancing, the application must also meet a requirement that it will result in a 10% improvement (for term loans) in cash flow for debt service, which Wear said is generally fairly easy to meet, given the SBA\u2019s longer terms.<\/p><p>SBA 7(a) guaranty amounts and fees are graduated based on the loan term and dollar amount, and the SBA does take a \u201chaircut\u201d on the lender rate for servicing, Wear said. Nevertheless, in his experience as an SBA lender, he never had an issue with internal pricing models or return on investment goals related to SBA lending.<\/p><p>However, as noted earlier, Wear said lenders might have a learning curve. SBA is very oriented to its Standard Operating Procedures, and it can be a very paperwork-heavy process. (By the way, the SBA recently announced <a href=\"https:\/\/www.sba.gov\/document\/sop-50-10-lender-development-company-loan-programs-0\">updates to the SBA SOP for 7(a) programs<\/a> that will be effective Oct. 1. The current <a href=\"https:\/\/www.sba.gov\/document\/sop-50-10-5-lender-development-company-loan-programs\">SOP 50 10 5 (K)<\/a> remains in effect until then.) SBA <a href=\"https:\/\/www.abrigo.com\/software\/lending-and-credit-risk\/sageworks-lending-solution\/loan-application\/\">lending software<\/a> that automates the application (<a href=\"https:\/\/www.abrigo.com\/software\/lending-and-credit-risk\/sageworks-lending-solution\/sba-lending\/\">SBA 1919<\/a>), document-gathering, and <a href=\"https:\/\/www.abrigo.com\/blog\/2020\/04\/01\/breaking-down-sba-lending-what-is-e-tran\/\">submitting SBA loan applications to E-Tran<\/a>, can help \u2013 as it did with the PPP.<\/p><p>Here are a few other tips Wear provided for SBA lending:<\/p><ul><li>Use your local SBA office and seek out private SBA experts (often former SBA lenders themselves).<\/li><li>Have or develop a dedicated in-house SBA expert.<\/li><li>Practice makes perfect.<\/li><li>Communicate with the borrower up front about what information is needed and why.<\/li><\/ul><p>Make use of in-house document monitoring to ensure proper SBA <a href=\"https:\/\/www.abrigo.com\/blog\/2013\/11\/19\/study-examines-financial-statements-as-loan-monitoring-mechanisms\/\">loan monitoring<\/a>. \u201cNot doing onsite checks until it\u2019s too late or not updating financials are two popular reasons SBA reduces or even denies claims,\u201d Wear said. <\/p>        <\/div>\n      <\/div>\n\n        \n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7fed0ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7fed0ef\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3371674\" data-id=\"3371674\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9bd93d1 elementor-widget elementor-widget-abo-cta-blocks\" data-id=\"9bd93d1\" data-element_type=\"widget\" data-widget_type=\"abo-cta-blocks.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n        <div class=\"container container--full-width\">\n      <div class=\"cta__background bg--yellow\">        <div class=\"cta\">\n          <h2  class=\"cta__text\">            Streamline SBA lending.           <\/h2>                                    <a href=\"https:\/\/www.abrigo.com\/get-started\/\"   class=\"button button--dark-blue\" >learn more<\/a>\n                                <\/div>\n      <\/div>    <\/div>\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-685b832 elementor-widget elementor-widget-abo-titles-headlines\" data-id=\"685b832\" data-element_type=\"widget\" data-widget_type=\"abo-titles-headlines.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n      <div class=\"container\">\n                <h3 class=\"subhead\">\n          Other SBA programs to consider after PPP        <\/h3>\n      <\/div>\n\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6df1037 elementor-widget elementor-widget-abo-text-content\" data-id=\"6df1037\" data-element_type=\"widget\" data-widget_type=\"abo-text-content.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n    \n        \n      <div class=\"container container--narrow\">        \n        <div class=\"type\">\n          <style>\n            .elementor-element-6df1037 .type li:before {\n                              color: #f9d032;\n                          } \n          <\/style>\n          <p>Other, lesser known SBA lending programs that financial institutions can explore to help businesses in their communities include <a href=\"https:\/\/www.sba.gov\/document\/information-notice-5000-20025-temporary-increase-sba-express-maximum-loan-amount-permanent-changes-fee-relief-sba-express-loans\">SBAExpress<\/a>, <a href=\"https:\/\/www.sba.gov\/sites\/default\/files\/oed_files\/CAPLines.pdf\">CapLines<\/a>, and <a href=\"https:\/\/www.sba.gov\/sites\/default\/files\/2020-05\/504_Loan_Program.pdf\">504 loans<\/a>.<\/p><p>SBAExpress has a maximum loan size of $350,000, although that has been temporarily lifted to $1 million under the CARES Act and has a lower guaranty than regular 7(a) loans, so it has lower guaranty fees. But they typically are approved faster, and the institution can use their own closing documents.<\/p><p>CapLines provides revolving credit lines that can be used for contracts or working capital for inventory, for example. Loans can be up to $5 million, up to 10 years, and have a standard guaranty of 75% to 85%. \u201cThese are great for large contracts for your small contractors,\u201d Wear said. \u201cThey offer nice extended loan terms for builders and having this facility might even reduce bonding costs.\u201d<\/p><p>For borrowers looking for real estate or large equipment loans, certified development companies can offer SBA 504 loans, which provide long-term fixed rate loans, typically of $250,000 to $5 million.<\/p><p>A final option for lenders to consider as they look for government guarantees on loans is the <a href=\"https:\/\/www.rd.usda.gov\/programs-services\/business-industry-loan-guarantees\">U.S. Department of Agriculture<\/a>, according to Wear. It offers loan guarantees of up to 90% through its Business and Industry Loan Program for borrowers in rural areas.<\/p>        <\/div>\n      <\/div>\n\n        \n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87473c6 elementor-widget elementor-widget-abo-text-content\" data-id=\"87473c6\" data-element_type=\"widget\" data-widget_type=\"abo-text-content.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n    \n        \n      <div class=\"container container--narrow\">        \n        <div class=\"type\">\n          <style>\n            .elementor-element-87473c6 .type li:before {\n                              color: #f9d032;\n                          } \n          <\/style>\n                  <\/div>\n      <\/div>\n\n        \n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7aadb86 elementor-widget elementor-widget-abo-resource-listing\" data-id=\"7aadb86\" data-element_type=\"widget\" data-widget_type=\"abo-resource-listing.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n        <div class=\"container\">\n      <div class=\"columns columns--3\">\n                  <div class=\"column\">          <a class=\"post\" href=\"https:\/\/www.abrigo.com\/webinars\/winning-the-deposit-game-strategies-to-attract-retain-and-lend-more\/\">\n            <div class=\"post__header\">\n              <img class=\"post__image\" data-src=\"https:\/\/www.abrigo.com\/wp-content\/uploads\/2019\/10\/Blog-AnalyzingReports-Header.png\" alt=\"\">\n              <div class=\"post__type\">Webinar<\/div>\n            <\/div>\n            <div class=\"post__content\">\n              <h3 class=\"post__title\">\n                Winning the deposit game: Strategies to attract, retain, and lend more              <\/h3>\n              <div class=\"post__button\">Read More<\/div>\n            <\/div>\n          <\/a>\n          <\/div>                  <div class=\"column\">          <a class=\"post\" href=\"https:\/\/www.abrigo.com\/resources\/ahead-of-the-curve-a-bankers-podcast-episode-17-core-deposit-studies\/\">\n            <div class=\"post__header\">\n              <img class=\"post__image\" data-src=\"https:\/\/www.abrigo.com\/wp-content\/uploads\/2024\/11\/Option-2-1.png\" alt=\"\">\n              <div class=\"post__type\">Whitepaper<\/div>\n            <\/div>\n            <div class=\"post__content\">\n              <h3 class=\"post__title\">\n                Ahead of the curve: A banker&#8217;s podcast episode 17 &#8211; Core deposit studies              <\/h3>\n              <div class=\"post__button\">Read More<\/div>\n            <\/div>\n          <\/a>\n          <\/div>                  <div class=\"column\">          <a class=\"post\" href=\"https:\/\/www.abrigo.com\/webinars\/aml-cft-fraud-hot-topics-2025-webinar\/\">\n            <div class=\"post__header\">\n              <img class=\"post__image\" data-src=\"https:\/\/www.abrigo.com\/wp-content\/uploads\/2022\/04\/Blog-Employee-Working-Analysis-Computer-Desk-Image-1920x600.png\" alt=\"\">\n              <div class=\"post__type\">Webinar<\/div>\n            <\/div>\n            <div class=\"post__content\">\n              <h3 class=\"post__title\">\n                AML\/CFT &#038; fraud hot topics for 2025: What to expect for Financial Crime              <\/h3>\n              <div class=\"post__button\">Read More<\/div>\n            <\/div>\n          <\/a>\n          <\/div>              <\/div>\n          <\/div>\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Key Takeaways Most financial institutions have implemented technology to help handle Paycheck Protection Program (PPP) loans. Lenders leveraging that technology to provide SBA loans after PPP can add products, grow customers, and add portfolio stability. Lenders restructuring existing loans with SBA funding should move quickly before financials deteriorate. PPP drove <\/p>\n","protected":false},"author":37,"featured_media":10051,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[100,44,90],"tags":[],"class_list":["post-16108","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-risk-management","category-lending-and-credit-risk","category-sba-lending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.0 (Yoast SEO v24.0) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>3 Ways SBA Lending After PPP Can Help Banks, Credit Unions Grow, Mitigate Risk - Abrigo<\/title>\n<meta name=\"description\" content=\"SBA&#039;s Paycheck Protection Program lenders are weighing the option of continuing to provide SBA lending after PPP. 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