LenderAnalyzer is the financial analysis layer behind SBA underwriting. Upload a borrower's business and personal tax returns, business bank statements and financial statements and get the cash flow, debt service coverage, add-backs and global cash flow an SBA 7(a) or 504 credit decision turns on, every figure traceable to its source. Self-serve from $99 a month, a faster front end than spreading an SBA borrower's financials into a worksheet by hand.
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Every SBA 7(a) and 504 loan is underwritten on repayment ability, and under SOP 50 10 8 that means proving the business generates enough cash flow to cover the new debt with a comfortable margin. Before a lender ever touches E-Tran, someone has to spread the borrower's business and personal tax returns, reconstruct cash flow with the right add-backs, calculate debt service coverage on the proposed loan, and pull global cash flow across the operating company and its owners. Done by hand into an SBA cash flow worksheet, that is 45 minutes to well over an hour per file, and a single transposed figure flows straight into the coverage ratio the credit memo rests on. SBA loan underwriting software automates that front end. LenderAnalyzer reads the documents an SBA lender already collects, the 1040 with Schedules C, E and F, the business returns (1120, 1120-S and 1065) with their K-1s, several months of business bank statements, and interim financial statements, extracts every line item and transaction, and computes the numbers an SBA file needs: recurring cash flow after add-backs, debt service coverage on the requested facility, average balances, and existing debt detected and grouped by lender. Each value stays linked to the line it came from, so an analyst reviews the spread instead of re-keying it. It is honest to be clear about scope. Full SBA lending also involves eligibility screening, form generation, E-Tran submission and 7(a) or 504 servicing, and platforms like Abrigo, nCino and Baker Hill, or a lender service provider like Windsor Advantage, handle that origination and compliance workflow. What LenderAnalyzer covers is the financial document analysis underneath it: turning the returns, statements and financials into clean, traceable cash flow and coverage figures your credit memo starts from. Most SBA lenders do that part by hand or inside an enterprise platform sold on an annual contract. LenderAnalyzer is the analysis layer on its own, self-serve from $99 a month, so a community bank, credit union or SBA lender gets automation on every file without a platform rollout, and your credit policy stays yours. Results export to Excel or flow into your worksheet and LOS through a REST API.
A lender evaluating SBA lending software is usually buying one of two different things: a full origination and compliance platform that talks to E-Tran, or a faster way to get the borrower financials out of the tax returns and statements and into a cash flow spread. Here is how to weigh the options and where a self-serve financial-analysis layer fits next to the SBA origination platforms.
SBA lenders use a mix of tools. For origination, compliance and E-Tran submission, platforms such as Abrigo, nCino and Baker Hill run the 7(a) and 504 workflow, and a lender service provider like Windsor Advantage can run underwriting, closing and servicing as an outsourced function. Alongside those, credit teams increasingly use a focused analysis tool like LenderAnalyzer to spread the tax returns and bank statements and compute cash flow, add-backs and debt service coverage before the numbers ever reach the credit memo or E-Tran.
They solve different problems. An SBA origination platform handles eligibility, the SBA forms, E-Tran submission and 7(a) or 504 servicing; it assumes you have already spread the borrower and reached a credit decision. Getting to that decision, spreading the returns, calculating cash flow after add-backs and testing debt service coverage, is the manual part LenderAnalyzer automates. The two are complementary: LenderAnalyzer extracts and computes the financial analysis, and your origination platform or E-Tran submission picks up from there.
The slow, error-prone step in an SBA file is not the SBA paperwork, it is getting the numbers off the returns and statements. A self-employed SBA borrower is rarely one clean form: it is a 1040 plus an 1120-S plus K-1s plus business bank statements, and the add-backs and global cash flow are spread across all of them. LenderAnalyzer reads all of it, extracts each figure, and keeps every value traceable to the source page, so an SBA underwriter reviews a spread that is most of the way to a decision instead of building it line by line.
A real SBA 7(a) credit file is rarely one document. It is the borrower's personal Form 1040 with schedules, the business returns (1120, 1120-S or 1065) with K-1s, two or more years compared for trend, recent business bank statements, interim financial statements, and a business debt schedule. Software that only reads one form type leaves the analyst doing the rest by hand. LenderAnalyzer reads all of them and computes the cash flow, add-backs and debt service coverage your SBA credit policy turns on. For the underwriting standards behind the numbers, see our guide to SBA loan underwriting guidelines.
Ways SBA 7(a) and 504 lenders handle origination, compliance and the financial analysis behind a loan. Last updated July 2026; the enterprise platforms are quote-based, so confirm current pricing with each vendor.
| Approach | Best for SBA lending | What it covers | Self-serve | Pricing |
|---|---|---|---|---|
| LenderAnalyzer This page | Banks, credit unions and SBA lenders that want automated financial analysis without an enterprise contract | Tax returns, bank statements and financials into cash flow, add-backs, DSCR and global cash flow | Yes, free live trial, no sales call | Transparent, $99 to $399/mo |
| Abrigo | Banks and credit unions wanting SBA-compliant origination and servicing | 7(a), 504 and disaster origination, eligibility checks and E-Tran submission | No, sales demo first | Quote-based enterprise |
| nCino | Larger banks running SBA inside a broader commercial LOS | End-to-end loan origination workflow with SBA support | No, enterprise rollout | Quote-based enterprise |
| Windsor Advantage | Lenders wanting SBA volume without staffing a full SBA shop | Outsourced SBA processing, underwriting, closing and servicing as a lender service provider | No, engagement-based | Variable-cost service |
| Baker Hill | Community banks wanting small-business and SBA origination in one system | Loan origination, decisioning and portfolio management | No, sales demo first | Quote-based enterprise |
| Manual SBA cash flow worksheet | Low SBA deal volume | Whatever the analyst keys and spreads by hand from the returns and statements | Not applicable | Analyst time, an hour or more per file |
Comparison compiled by LenderAnalyzer from public vendor materials, June 2026. Competitor names are trademarks of their respective owners; figures may change, so verify current details with each vendor.
Computed deterministically from every extracted transaction, every figure traceable to its source line.
Computed across the full statement period, carried forward day by day.
Deposits vs withdrawals and net flow, broken down month by month.
Every insufficient-funds and overdraft incident counted, with fees totaled.
Recurring deposits grouped into income streams with estimated monthly amounts.
Debits to other lenders and funders detected and totaled per month.
Days below zero across the period, a direct stress signal.
The biggest credits with dates and sources, concentration flagged.
Automatic red and yellow flags your analysts can review in seconds.
Drop in PDFs, scans or photos, one statement or a multi-month package, from any bank.
Every transaction is extracted, then cash flow, balances, income streams, NSF activity and debt payments are computed.
Read the underwriting snapshot, download the Excel report, or pull structured JSON into your LOS via API.
28 lending document types extracted out of the box, build the complete picture of an applicant's financial situation.
Common questions from lending and credit teams.
SBA lending software is any tool that helps a lender make SBA 7(a) or 504 loans, from full origination platforms that handle eligibility, forms and E-Tran submission to focused analysis tools that spread the borrower financials. LenderAnalyzer is the analysis layer: it reads the tax returns, bank statements and financials and computes the cash flow, add-backs and debt service coverage an SBA credit decision needs, with every figure traceable to its source.
SBA lenders use origination and compliance platforms such as Abrigo, nCino and Baker Hill to run the 7(a) and 504 workflow and submit to E-Tran, and some use a lender service provider like Windsor Advantage to outsource underwriting and servicing. Many pair those with a financial-analysis tool like LenderAnalyzer that spreads the returns and statements and computes cash flow and debt service coverage before the credit memo.
An SBA loan is underwritten on repayment ability. The lender spreads the borrower's business and personal tax returns, reconstructs recurring cash flow with add-backs for depreciation, amortization and non-recurring items, then tests debt service coverage on the proposed loan and reviews global cash flow across the business and its owners. Under SOP 50 10 8, that documented ability to repay from cash flow drives the credit decision.
Under SOP 50 10 8, SBA sets a debt service coverage floor of 1.15x for standard 7(a) loans and 1.10x for 7(a) Small Loans of $350,000 or less, and many lenders benchmark higher, around 1.25x, on the proposed debt for a comfortable cushion. A 1.25x DSCR means the business generates $1.25 of cash flow for every $1.00 of debt service. Coverage below the floor usually needs a stronger secondary source, more equity or additional collateral to approve.
An SBA 7(a) file typically needs the borrower's personal Form 1040 with schedules, the business returns (1120, 1120-S or 1065) with K-1s, usually two years for trend, recent business bank statements, interim financial statements and a business debt schedule. LenderAnalyzer reads all of these, extracts each figure and computes the cash flow and coverage numbers, so the analyst reviews the spread rather than keying it.
No, and that is deliberate. LenderAnalyzer is the financial analysis layer, not an SBA origination platform. It spreads the returns and statements and computes cash flow, add-backs and debt service coverage; eligibility screening, SBA form generation and E-Tran submission stay in your origination platform or lender service provider. The analysis exports to Excel or flows into your workflow through an API.
The financial analysis can. AI reads the tax returns, bank statements and financial statements, extracts every line item, and computes cash flow, add-backs and debt service coverage with the analyst reviewing rather than retyping. Eligibility judgment and SBA program rules stay with your team, but automating the document analysis removes the slowest, most error-prone part of an SBA file.
It depends on the model. Enterprise SBA origination and servicing platforms are quote-based annual contracts with no public pricing, and lender service providers charge a variable per-loan fee. LenderAnalyzer is self-serve and transparent at $99 to $399 a month with about 50% off annual billing, so a community bank, credit union or SBA lender can start spreading borrower financials the same day without a contract or a sales call.
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