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Quantum provides innovative solutions for banks seeking to expand their small business lending capabilities.
Harness Advanced Data and Technology
to Safely Deliver SMB Credit Solutions
Our partnership programs offer flexible options to ensure that you can better serve your small business customers while maintaining strong relationships and growing your portfolio.
Bank Partners Utilize our Robust Financing, Operations, and Technology Products
Expanding your bank's lending capabilities with no added risk
Retain Deposits
Strengthen customer loyalty by offering alternative lending solutions, avoiding customer churn to competing financial institutions.
Provide additional
flexibility in Product Offerings
A range of financial products that cater to various business needs, from short-term cash flow management to long-term investments.
Rely on Quantum’s Cutting-Edge Underwriting
Techoogy
Powered by the latest advancements in AI and machine learning.
Offer Competitive Rates and Terms
Financial solutions with adjustable terms, competitive rates, and no hidden fees
Provide Support for Businesses in Their Growth Phase
Personalized support from dedicated loan specialists and resources to help businesses
grow and succeed.
Quantum allows you to provide a range of financing options from term loans and business lines of credit, allowing you to serve a broader segment of the market for those business customers who fall short of the your bank’s credit requirements, allowing you to diversify and enhance your offerings with minimal disruption or risk
Quantum allows you to provide a range of financing so you diversify and enhance your offerings with minimal disruption or risk.
Serve a broader segment of the market for those business customers who fall short of your bank’s credit requirements.
Small business lending is key to community and regional banks’ growth, but traditional underwriting often denies financing to deserving applicants.
Quantum Second-look
Lending Program
Quantum bridges this gap with our Second Look Lending Program, seamlessly integrating with your existing loan origination system (LOS) and operational workflows to ensure minimal disruption and maximum efficiency.
Quantum bridges this gap with our Second Look Lending Program.
We can seamlessly integrate with your existing loan origination system (LOS) and operational workflows to ensure minimal disruption and maximum efficiency.
How it Works
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Increase loan approvals
without increasing risk.
Drive deposit growth and long-term customer loyalty.
Build stronger relationships
with small business customers.
Learn more about our
This partnership allows your bank to:
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Your Bank’s Existing Processes.
Your team processes small business loan applications using your current LOS and personnel, maintaining operational control and consistency.
Seamless Referrals
Declined loan applications are automatically referred to Quantum for a second look, ensuring every application is thoroughly evaluated without adding friction to your existing systems
Data-Driven Underwriting
Our advanced underwriting models use AI and historical lending insights to make smart, risk-adjusted lending decisions tailored to each applicant.
Funding on Our Balance Sheet
When Quantum approves an application, the funding resides on our balance sheet, removing financial risk from your institution while still enabling your customers to access essential financing.
Adverse Action Notices
If the application is ultimately declined, both your bank and Quantum issue compliant adverse action notices, maintaining transparency and compliance.
Running a dedicated small business lending division can strain resources, create operational bottlenecks, and lead to missed opportunities.
BPO + Quantum Second Look
Lending Program
As your BPO partner, Quantum acts as your bank’s dedicated small business lending department, delivering end-to-end services tailored to your operational needs and strategic objectives.
BPO + Quantum
Second Look
Lending Program
How it Works
Flexible Service Offerings.
We offer customizable, a la carte BPO services—underwriting, sales support, loan closing, and customer service—keeping your operations lean and efficient.
Policy Alignment
"All underwriting and decisions strictly follow your bank’s credit policy and product structures, ensuring alignment with your brand and risk appetite."
Second Look Underwriting
Your declined applications are referred to Quantum for a second look. We use use advanced decisioning models to uncover opportunities.
Funding Responsibility
Approved loans are funded on Quantum’s balance sheet, eliminating additional financial exposure for your bank.
Regulatory Compliance
For declined applications, both your bank and Quantum issue compliant adverse action notices, ensuring regulatory integrity.
Why
Partner with
Quantum for BPO?
Learn more about our
Scalable Expertise
Benefit from our experienced team and data-driven decisioning tools without needing to hire or train additional staff.
Cost Efficiency
Reduce operational overhead while maintaining high service standards.
Enhanced Customer Experience
Strategic Focus
Combining our Business Process Outsourcing with our Second Look Lending, your bank gains a complete solution to drive growth, reduce risk, and enhance customer satisfaction.
Provide small business customers with a streamlined, responsive lending experience.
Free up your internal team to focus on core banking operations and growth initiatives.
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At Quantum Lending Solutions, we offer tailored financing products designed to meet the diverse needs of small businesses.
Our Term Loan is designed for small businesses that need predictable, short-term financing with clear terms and no hidden fees.
Our Fee-Based Line of Credit offers small businesses ongoing access to capital, providing the flexibility to draw funds as needed while managing repayments on a predictable schedule.
This product offers transparency, flexibility, and affordability, allowing businesses to manage their cash flow effectively without the risk of variable interest rates or complex repayment structures.
Finance Terms.
Prepayment.
Security.
Loan
Amounts
Key Features
Term
Payment
Frequency
Rates
Business
Requirements
$50,000 - $100,000
Up to 2 years
Semi-Monthly
14.99% - 35.99% APR*
At least 1 year in business Annual revenue of at least $50,000
$10,000 - $75,000
Reamortized after each draw
Monthly
Monthly Fee Percentage: 1.6% - 3.0%
12 -18 Months
At least 1 year in business Annual revenue of at least $50,000
Loan
Amounts
Term
Payment
Frequency
Rates
Amortization
Period
Business
Requirements
TERM LOAN
FEE BASED
LINE OF CREDIT
Key Features
Designed for businesses with fluctuating cash flow requirements, this product allows them to respond quickly to opportunities or challenges without overextending their finances.
Finance Terms.
Prepayment.
Additional Fees.
Security.
Second Look Lending Products
A fixed finance charge simplifies the borrowingprocess by providing a predictable repayment schedule.
Customers pay the interest charge equally over the amortization period, ensuring equal amortization across payments.
No prepayment fees or penalties ensure businesses can pay off their loan early without incurring additional costs.
Personal Guarantee: Required for added accountability.
UCC-1 Lien: Ensures priority in case of liquidation.
Monthly Fee Percentage: Calculated as a simple interest rate applied to the drawn amount or outstanding balance + drawn amount.
Monthly Fee Formula: Outstanding principal balance (at the time of the last draw) x Monthly Fee Percentage.
Commitment Fee: 0% - 3% (Calculated from the Total Facility Size).
Draw Fee: N/A (No additional fee for each draw).
Inactivity Fee: $99 (Assessed only if no draws are made for 12 consecutive months).
No prepayment fees or penalties, allowing businesses to repay early without financial penalties.
Personal Guarantee: Required for financial accountability.
UCC-1 Lien: Ensures secure repayment priority.
This loan product is ideal for businesses looking for straightforward financing to cover operational costs, purchase inventory, or manage short-term cash flow needs.
The Fee-Based Line of Credit is ideal for businesses that need ongoing access to capital or inventory purchases, seasonal demands, or other recurring expenses. With transparent fee structures and no hidden costs, it provides businesses with financial flexibility without sacrificing predictability.
Our Second Look Lending Products provide flexible, transparent, and responsible financing options that empower businesses to grow while maintaining manageable financial commitments.
With clear terms, no prepayment penalties, and straightforward pricing structures, our products are built to deliver value to both our banking partners and their customers.
Fee-Based Line of Credit
Business Term Loan
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Why Partner with Quantum Lending Solutions?
Empowering your business's growth
*Rates disclosed are only available to the highest quality credit applicants. The average rate offered to term loan applicants is 14.99% - 35.99% APR and 19.99% - 35.99% APR for line of credit applicants, based on applications in the six month period ending October 18, 2024.