What We Do
Establish SBA Loan Policies & Procedures – OSL delivers structured, end-to-end management of the SBA loan process. With detailed checklists and real-time communication, we drive consistency and efficiency from origination through closing and liquidation.
SBA Eligibility & Structure – OSL evaluates each opportunity for SBA eligibility and recommends loan structures that align with the needs of the lender, borrower, and SBA.
Underwriting – OSL provides comprehensive, SBA-compliant credit memos for each opportunity.
Packaging – OSL delivers complete, submission-ready loan packages for SBA approval.
Closing & Disbursing – OSL delivers complete closing packages with all required SBA and lender documentation and coordinates closing and funding with the closing attorney.
Selling (Secondary Market) – OSL markets the guaranteed portion of the loan and maximizes lender income when selling on the secondary market.
Servicing / Monitoring – OSL monitors and reviews each loan to ensure ongoing SBA compliance and protect the SBA guaranty throughout the life of the loan.
Liquidating / Work-Out – OSL manages work-out situations to ensure recovery aligns with SBA guidelines and prepares complete guaranty purchase packages for submission.
Why OSL?
Grow your loan portfolio through balance sheet expansion
Increase profitability through secondary market loan sales
Ensure compliant, timely SBA lending with or without prior SBA experience
Provide expert support to supplement limited internal capacity across key lending functions
Support entry into SBA lending with guidance on program setup and execution
Offer flexible fee structures aligned with services provided
Executive Summary
OneSource Lending (OSL) is a full-service SBA lending partner, providing end-to-end solutions that streamline the loan lifecycle for banks and lenders. From eligibility and underwriting to packaging, closing, servicing, and liquidation, OSL delivers efficient, compliant processes that support lender performance and profitability.
With deep expertise in commercial lending, credit risk, and SBA operations, our team brings the structure, precision, and insight needed to navigate complex SBA requirements. Through proven systems, detailed processes, and real-time communication, we help protect SBA guaranties and drive consistent results.
OSL is the trusted partner for lenders seeking to scale SBA lending with confidence, efficiency, and expertise.
Meet the Team
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J. Dean Allen
J. Dean Allen is OneSource Lending’s Chief Business Development Officer and Relationship Manager. He also supports and participates in the 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.
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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 our services? Visit our contact page to learn more and get in touch with our team.
Closings
Curious about our recent deals? Explore our page to see the latest closings and highlights from our team.