1. What is a Lender Service Provider (LSP) in SBA lending?
A Lender Service Provider (LSP) is a specialized partner that helps banks, credit unions, and non-bank lenders manage and scale their SBA loan operations. At Total SBA, we provide full-service SBA back-office support—including underwriting, packaging, loan closing, and portfolio servicing—so lenders can offer SBA 7(a) and 504 loans efficiently while maintaining full compliance with SBA Standard Operating Procedures (SOPs).

2. Why do banks and credit unions partner with Total SBA?
Banks and credit unions partner with Total SBA to leverage over 150 years of combined SBA lending experience, streamline operations, and increase loan volume without adding internal staff. Our expert team ensures speed, compliance, and profitability, helping lenders expand their small business portfolios while minimizing risk.

3. How does partnering with an LSP improve SBA loan performance and compliance?
Partnering with a seasoned LSP like Total SBA improves loan quality, underwriting accuracy, and regulatory compliance. We stay current with SBA policy changes, ensuring your loans are processed accurately the first time. This reduces costly errors, accelerates turnaround times, and enhances the borrower experience.

4. How can a borrower benefit when their bank works with Total SBA?
When your bank or lender partners with Total SBA, your loan is processed faster and more efficiently. Our team helps ensure your SBA 7(a) or 504 loan is correctly structured, documented, and approved within the SBA’s preferred standards. Borrowers enjoy a smoother experience, faster funding, and fewer surprises along the way.

5. What types of SBA loans does Total SBA support?
Total SBA supports lenders offering the full range of Small Business Administration loan programs, including SBA 7(a), SBA 504, SBA Express, and Community Advantage loans. We ensure each loan type is structured for maximum eligibility and long-term borrower success.

6. What industries and businesses typically qualify for SBA loans?
Most for-profit small businesses in the U.S. may qualify for SBA financing, including companies in manufacturing, professional services, healthcare, construction, retail, and hospitality. At Total SBA, we help lenders identify eligible borrowers and structure deals that meet SBA size and use-of-proceeds requirements.

7. What makes Total SBA different from other Lender Service Providers?
Total SBA is recognized as the preeminent Lender Service Provider in the SBA industry, combining decades of institutional knowledge, deep lender relationships, and proven results. We’re not just a vendor—we’re a strategic partner helping lenders grow their SBA portfolios with confidence, compliance, and care.

8. How does Total SBA stay current with SBA regulations and policies?
Our team continuously monitors updates from the U.S. Small Business Administration, attends SBA conferences and lender trainings, and collaborates directly with SBA district offices. We proactively update all client processes to reflect the latest SBA SOP changes, ensuring full compliance and industry-leading accuracy.