Small Business Administration (SBA) Lenders
Strategic Support for SBA Loans When Outcomes Matter Most
Small Business Administration (SBA) lending continues to evolve under pressure. Pandemic-era originations are now maturing into a higher-rate environment, while recent Small Business Administration SOP revisions have tightened eligibility standards and increased the procedural and compliance complexity as well. At the same time, lenders face mounting exposure to rising borrower volatility and persistent disruption from merchant cash advances (MCAs) and other predatory capital sources.
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Fortis Business Advisors provides SBA lenders with strategic, field-informed support grounded in operational clarity, institutional alignment, and a deep understanding of distressed business behavior well before payments start defaulting. Our work bridges the gap between file-level data and real-world dynamics, helping lenders strengthen documentation, mitigate guarantee risk, and execute resolution strategies that preserve both recovery and regulatory standing.
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We support lenders across the lifecycle: from early borrower diagnostics and stress testing to refinance preparation, recovery planning, and, where appropriate, liquidation strategy. Whether engaged as a shadow advisor or in a borrower-facing capacity, every Fortis engagement is designed to protect lender interests, align with SOP 50 57, and maximize viable outcomes.
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In an environment where liquidation has too often become the default response, Fortis builds structured alternatives, stabilizing borrowers where possible, accelerating resolutions when necessary, and reinforcing long-term program integrity through pragmatic, SBA-aligned execution.
WHAT FORTIS PROVIDES
Strategic solutions that reduce guarantee risk, improve borrower accountability, and support SOP-aligned resolution strategies.
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SBA lenders operate within a unique tension: enabling small businesses access to credit while ensuring compliance with the guarantees that underpin the program. As the volume of maturing loans increases and scrutiny around guarantee performance grows, this balance becomes harder to maintain, especially when borrower performance declines due to market volatility, operational breakdowns, or predatory lending interference.
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Fortis provides practical, lender-aligned support in these high-stakes situations. From early-stage diagnostics during deferment requests to collateral planning in the liquidation phase, we help lenders evaluate borrower viability, clarify recovery strategy, and align decisions with SOP 50 57 servicing and liquidation protocols. Our services are structured to improve recovery efficiency, preserve SBA eligibility, and support lender teams constrained by time, staffing, or borrower responsiveness.
SBA Lender-Aligned Support
WHEN WE HELP
SBA lenders operate within a unique risk and compliance framework. Fortis supports lenders at key pressure points in the credit lifecycle, when borrower instability, documentation failures, or recovery risks demand swift, SOP-aligned action.
Borrower Performance Deterioration
Revenue decline, missed payments, margin erosion, or uncharacteristic cash flow shifts may indicate viability concerns. Fortis delivers independent diagnostics and stress testing to assess repayment capacity and inform early servicing decisions.​
Predatory Lending Interference
Merchant cash advances, unauthorized liens, or capital stacking can destabilize SBA borrowers and compromise lien priority. Fortis creates resolution frameworks that neutralize these threats and preserve SBA repayment structure.
Collateral Risk
Indicators
Aging inventory, overstated receivables, or impaired assets can distort collateral value and recovery assumptions. Fortis performs collateral diagnostics to clarify the actual liquidation value and enhance defensibility in workout or charge-off scenarios.
File Deficiency or Reporting Gaps
Delayed, inconsistent, or incomplete borrower submissions impair oversight and put guarantees at risk. Fortis helps lenders reassert file control with structured documentation supporat and performance verification.
Servicing Triggers or Borrower Silence
Deferment requests, non-responsiveness, or failed workout attempts often signal underlying distress. Fortis helps lenders re-establish control with preemptive documentation strategies and protocol-consistent servicing guidance.
Pre-Liquidation &
Recovery Strategy
When liquidation appears inevitable, Fortis develops structured wind-down plans, targeted sale strategies, and SBA-aligned recovery documentation that supports final resolution and maximizes recoverable value.
Why Fortis Business Advisors
SBA Lenders need more than checklists; they need experienced partners who understand borrower behavior, regulatory nuance, and how to deliver results when performance breaks down. Fortis provides tactical, lender-aligned support across the SBA loan lifecycle, protecting both guaranteed and unguaranteed portions of credit exposure.
COMPLEMENTARY INTEGRATED SOLUTIONS
A strategic suite of services tailored to the realities of SBA lending, enhancing internal risk oversight, supporting borrower viability, and strengthening resolution and recovery strategies.
FEATURED SUCCESS
Family-Owned Business Owner
Fortis helped us restructure and secure an SBA loan we couldn't have obtained without their guidance. Professional, strategic, and deeply knowledgeable.
INDUSTRY INSIGHT
To support SBA lenders navigating time-sensitive closings, documentation gaps, or complex borrower scenarios, Fortis shares practical strategies that balance program compliance with real-world loan resolution. This presentation, delivered to SBA lenders, outlines tactical approaches for closing loans under pressure.
