What We Do
Establish SBA Loan Policies & Procedures – Thru robust task management and loan administration using detailed checklists and real-time communication, OSL outlines and manages all steps, forms, etc., in the entire SBA loan process, from origination to closing and liquidating
SBA Eligibility & Structure – OSL reviews each opportunity for SBA eligibility and provides recommendations for loan structure that meet the needs of the lender, the borrower, and the SBA
Underwriting – OSL provides a thorough SBA compliant Credit Memo for each opportunity
Packaging – OSL prepares and submits the loan package for SBA approval
Closing & Disbursing – OSL provides a complete closing package with all required SBA documents and lender requirements and coordinates all closing and funding efforts with the closing attorney
Selling (Secondary Market) – OSL will shop and maximize lender income if/when the lender wants to sell the guaranteed portion of the loan on the secondary market
Servicing/Monitoring – Through proper monitoring and review, OSL ensures the loan remains SBA compliant, safeguarding the SBA guaranty throughout the life of the loan
Liquidating/Work-out – In the event of a work-out situation, OSL ensures recovery meets all SBA guidelines during the process and prepares the complete guaranty purchase package to submit to the SBA
Why OSL?
Grow your loan portfolio (Balance Sheet growth)
Increase your profitability from fees generated by selling SBA loans to the secondary market (Income Statement growth)
Ensure compliant and timely SBA lending when they have limited or no experience or knowledge in SBA lending
Provide expertise and manpower when there is limited capacity to support certain lending functions such as underwriting, due diligence, loan documentation, servicing, and loss mitigation services
Help you to consider government guaranteed lending but need assistance getting set up with the SBA program
Flexible fee structure according to services provided
Executive Summary
OneSource Lending (OSL) is a comprehensive SBA loan solutions provider, dedicated to supporting banks and lenders with end-to-end services that streamline the SBA lending process. Our expertise ensures compliance, efficiency, and maximized profitability for our clients. From eligibility assessments and underwriting to loan packaging, closing, servicing, and liquidation, OSL offers tailored solutions that meet the needs of lenders, borrowers, and the SBA.
With decades of combined experience in commercial lending, credit risk management, and SBA operations, our team delivers unmatched industry knowledge and operational excellence. By leveraging robust systems, detailed checklists, and real-time communication, we simplify complex lending processes, safeguard SBA guaranties, and enhance the financial success of our clients.
OneSource Lending is the trusted partner lenders rely on for expertise, precision, and results in SBA lending.
Meet the Team
-
J. Dean Allen
J. Dean Allen is OneSource Lending’s Chief Business Development Officer and Relationship Manager. He also supports and participate in operations of the business to ensure that the processes of lending functions are completed in a timely and effective manner. Dean has over 20 years of commercial lending experience and has a broad network in the industry, most recently as Executive Vice President and Chief Lending Officer for RiverHills Bank, where he has led the bank to a Top 6 SBA lender in Greater Cincinnati for the past three years, and #2 in 2023.
-
Joe Leonardi
Joe Leonardi is OneSource Lending’s Chief Credit Analyst and Systems Manager where he is responsible for managing all lending systems and processes as well as credit analysis for each lending function offered. Joe has over 12 years of commercial credit risk experience as Senior Vice President and Credit Manager of RiverHills Bank. Under Joe’s leadership, RiverHills Bank has boasted exceptional credit quality and has achieved the best risk ratings by all governing organizations.
Contact Us
Interested in any of our services? Fill out the form to the right or give us a call to see how we can help you!