Frequently Asked Questions

Total SBA is a nationwide SBA lender service provider (LSP) that helps financial institutions efficiently originate, process, close, and service SBA loans. Our comprehensive support allows banks and credit unions to operate a high-performing SBA lending program without the need to build a large internal team.

Our services include:

• SBA Loan Packaging and Processing – Complete preparation of SBA 7(a), 504, and USDA B&I loan files to ensure accuracy and compliance.

• Underwriting and Credit Support – Experienced review and documentation preparation aligned with SBA SOP requirements.

• Loan Closing and Funding Support – Coordination of closing documentation and funding readiness.

• SBA Loan Servicing – Ongoing servicing support including payment processing, reporting, and compliance monitoring.

• Portfolio Management – Guidance on SBA loan program administration and portfolio performance.

• Training and Program Development – Helping financial institutions launch or expand SBA lending programs.

With more than 150 years of combined SBA industry experience, Total SBA helps financial institutions scale their SBA lending programs while maintaining compliance, operational efficiency, and high-quality borrower service.

Getting started with Total SBA is simple. Our team works closely with financial institutions to understand their SBA lending goals and design a support model that aligns with their internal resources and growth strategy.

The process typically begins with a consultation to evaluate your current SBA lending program or discuss your plans to launch one. From there, our team outlines the services needed to support your program—from loan packaging and underwriting to closing and servicing.

Once engaged, Total SBA integrates seamlessly with your lending team, providing the expertise, processes, and operational support needed to originate and manage SBA loans efficiently.

Total SBA distinguishes itself through deep industry expertise, operational precision, and a partnership-driven approach to SBA lending support.

Unlike many outsourced providers, Total SBA acts as an extension of your institution—supporting your team while helping maintain full control of your lending program.

Key differentiators include:

• Nationwide SBA expertise with more than 150 years of combined industry experience

• Proven operational systems designed to streamline SBA loan processing and servicing

• Compliance-focused execution aligned with current SBA Standard Operating Procedures (SOP), supported by a proven track record of accuracy—including never having a guaranty or partial guaranty denied by the SBA

• Scalable program support that allows institutions to grow SBA lending without adding internal overhead

• Recognition as SBA Lender Service Provider of the Year by The Coleman Report

Our mission is to help financial institutions build sustainable, compliant, and profitable SBA lending programs that serve small businesses and strengthen local communities.

Financial institutions can begin the process by contacting our team through our website or scheduling a conversation with one of our SBA specialists.

ou can reach us by:

• Submitting an inquiry through the contact form on our website or emailing us at: connect@total-sba.com.

• Calling our office to speak with an SBA specialist: (310) 321-9500

Whether you are looking to launch a new SBA lending program, improve operational efficiency, or scale an existing portfolio, Total SBA is ready to help guide your institution through every stage of the SBA lending process.

Our team will respond promptly to discuss your goals and explore how our SBA lending expertise can support your institution.