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Small Business Loan Origination: Spanning the Continuum

Published by: TowerGroup

Published: Mar. 12, 2007 - 8 Pages


Table of Contents



TowerGroup Take-Aways

Report Coverage

Background

Exhibit 1 Small Business Loan Outstandings at US Banks (2001-06E)

Exhibit 2 Small Business Loan Volume at US Banks (2001-06E)

Straddling the Retail and Commercial Lending Silos

Exhibit 3 Average Small Business Loan Balance at US Banks (2001-05)

Factors Affecting Small Business Lending Origination

Decline of Net Interest Margins

Need for Straight-Through Processing

Contribution of SBA Loan Programs

Growth of Business Credit Cards

Importance of Product Cross-Sell

Spread of Credit Scoring

Disparate Channel Behavior

Key Functionality Components

Exhibit 4 Small Business Loan Decisioning Continuum (2007)

Product Configuration.

Credit Bureau Access.

Scorecard Management.

Decisioning and Pricing.

Product Fit and Recommendation.

Summary

Abstract

With consumer lending, residential mortgages, and commercial real estate volumes declining, many banks are shifting focus to the growing small business lending segment. Banks are looking at more efficient ways to originate higher loan volumes and maximize profitability of this product line. Small business loan origination vendors offer integrated, workflow-based solutions that can dramatically reduce origination costs by eliminating manual processes and disparate systems. This TowerGroup Research Note discusses factors that influence small business origination and the key elements of robust small business loan origination systems.

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