Meet Athena AI — the engine that processes SBA 7(a), 504, and Microloan applications with 98.5% document accuracy and decisions in ~42 seconds.
SBA lending should be your growth engine. Instead, it's drowning in paperwork and bottlenecks.
Every SBA application requires 50+ document types — tax returns, financial statements, business plans. Manual classification takes hours and errors cascade downstream.
Traditional SBA loan processing takes 60-90 days. Borrowers lose patience, deals fall through, and your pipeline stalls while underwriters drown in spreadsheets.
SBA SOPs change regularly. Manual compliance checking means human errors, audit findings, and the constant risk of SBA guarantee denials on non-compliant loans.
Experienced SBA underwriters are rare and expensive. Training takes 12+ months, and your best people spend 80% of their time on tasks AI could handle in seconds.
What if every loan got your best underwriter's attention?
One that reads every document perfectly, never misses a compliance rule, and recommends in 42 seconds.
Three steps from application to AI-powered decision
Athena automatically classifies and extracts data from 50+ SBA document types — tax returns, financial statements, business plans, entity docs — with 98.5% accuracy.
AI analyzes credit history, cash flow projections, collateral valuations, and SBA eligibility rules simultaneously — generating confidence scores and risk assessments in seconds.
AI Recommends, Humans Decide. Underwriters receive complete analysis packages with confidence scores, risk flags, and SBA compliance checks — empowering faster, better decisions.
Everything you need for AI-powered SBA lending
Automatically classifies and extracts data from 50+ document types including tax returns, financials, entity docs, and collateral records.
Analyzes credit, cash flow, collateral, and eligibility simultaneously to generate confidence scores and risk assessments.
Complete loan analysis packages delivered in ~42 seconds. AI recommends, humans decide — with full audit trails for every recommendation.
Rules engine syncs monthly with SBA SOPs. Automatic eligibility checks, size standards validation, and compliance flagging for every loan.
Dedicated interfaces for borrowers, loan officers, underwriters, managers, and executives — each tailored to their workflow.
Real-time dashboards with pipeline forecasting, portfolio health metrics, team performance, and trend analysis at your fingertips.
Automated task routing, document requests, status updates, and approval workflows that eliminate manual handoffs and bottlenecks.
Seamless integration with existing loan origination systems, core banking platforms, credit bureaus, and document management systems.
SOC2 Type II certified, 256-bit encryption at rest and in transit, role-based access controls, and complete audit trail for every action.
Full automation across all major SBA lending programs
Up to $5M
Up to $500K
Up to $500K
Real Estate & Equipment
Debt Refinancing
Up to $50K
Underserved Markets
Configurable Rules
Community and regional banks scaling their SBA divisions without proportional headcount increases. Automate document intake, underwriting, and compliance across your entire portfolio.
Community Development Financial Institutions serving underserved markets with limited staff. AI handles the heavy lifting so your team can focus on community impact.
Digital-first lenders entering the SBA market who need compliant, scalable infrastructure from day one. Full API access for seamless integration with your existing tech stack.
Credit unions expanding into SBA lending to better serve small business members. Streamlined onboarding with implementation in 4-6 weeks — no disruption to your existing operations.
From application to decision — weeks compressed to hours
Underwriters focus on decisions, not data entry
AI-powered extraction eliminates human error
Most lenders are fully operational in 4-6 weeks. Join 527 lenders processing $2.1B+ in SBA loans with Athena AI.