SBA Express
Express is your fastest SBA product, but only as fast as your back office lets it be. Lama AI closes that gap: your forms, your credit policy, and your decision run straight through, so deals move at the speed your customers expect.
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Frictionless Intake.
A short, contextual application with smart pre-fill and a secure portal captures your own express forms, ownership, financials, and borrower details. Applicants benefit from an easy submission, and your team gets a complete, submission-ready file.
Instant Spreading & Eligibility.
Borrowers link bank accounts, upload their financials, or invite their spouses to do so on their behalf, and Lama AI spreads the financials and analyzes cash flow in seconds, while screening size standards, eligible use of proceeds, and running KYC, OFAC, and AML in the background. Clean deals clear instantly; only the ones that need a closer look get flagged.
Straight-Through Decisioning.
Your credit policy and SOP requirements run inside the workflow, so qualifying requests move straight through to a recommendation with no manual queue and no waiting on SBA. Lama AI returns an instant eligibility determination, DSC ratios, risk score, and structure, each documented against the rule that drove it.
E-Tran Submission.
With our native E-Tran integration, qualified data flows straight to a validated submission, with gaps caught on the fly instead of after a rejection, so the loan gets its SBA number fast.
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Closing & Funding.
AI agents generate the SBA and bank-specific documents, route them for e-signature, track conditions, and push data to your core via API, all backed by a time-stamped audit trail that shows the loan was originated in line with policy. You close, service, and fund on your own authority, with the record SBA expects already built.
Credit assistant guiding underwriters.
Equip your credit team to decide smarter and faster. A context-aware and explainable AI assistant compiles insights, researches deals, and generates policy-aligned credit narratives in seconds.
Works with the systems you already trust.
With a RESTful API architecture, Lama AI connects seamlessly to your existing stack, including core systems, risk models, verification layers, SoS, E-Tran, and more. Benefit from 100+ pre-built integrations and a frictionless way to add new ones, enhancing operations without disruption or complexity.
All the LOS capabilities, out of the box.
Skip the lengthy implementations and go live fast with plug-and-play functionality ready from day one. When you’re ready to make it fully yours, Lama AI’s configurability enables 100% customization across workflows and processes—in just 3 weeks.
Enterprise-grade security.
Protect your data and your customers’ trust with built-in compliance and bank-level safeguards. Lama AI is SOC 2 Type 2 certified and CCPA/CPRA compliant. With 256-bit AES encryption, role-based access, and SSO support, only the right people have access at every step.
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GenAI at your service.
Draft borrower follow-ups, updates, and requests without the hassle. Ready for review and send, your team skips the busywork, reduces time to complete each package, and builds better relationships.
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