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Empowering Banks with Comprehensive
BPO + Second Look
Lending Programs
Running a successful small business lending division requires significant resources, expertise, and operational agility.
Quantum Lending Solutions acts as your dedicated small business lending department, offering a seamless BPO solution combined with our Second Look Lending Program.
Our tailored approach ensures efficiency, scalability, and compliance, allowing your bank to focus on core growth initiatives while we handle the heavy lifting of lending operations.
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Our team ensures efficient and compliant handling
of loan applications, streamlining processes to
minimize bottlenecks:
Application Processing
Perform Auto-Decline “Knock Out Rules”
Collaborative Documentation Collection
KYC and CIP Procedures
Automatically filter out applications that don’t meet basic requirements.
Work directly with applicants and bankers to gather essential documentation.
Ensure compliance with Know Your Customer (KYC) and Customer Identification Program (CIP) regulations.
Underwriting Services
Fully aligned with your bank’s credit policy and designed to optimize decisioning outcomes
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Policy-Compliant Underwriting Review
Third-Party Data Integration
Application Decisioning
Credit Product Eligibility Evaluation
Seamless Reporting
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Unsecured Term Loans & Lines of Credit ($10K – $500K)
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Credit Cards
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We can add SBA Express application processing if desired
All underwriting follows your credit policies and risk framework.
Access comprehensive third-party credit data sources (credit bureaus, LexisNexis, etc.) for accurate decisioning.
Deliver fast and accurate decisions on credit application
Provide complete decision data, required documents, and reports for regulatory and operational transparency.
Sales
Customer Service
We prioritize a customer-first approach, ensuring every applicant has a seamless lending experience:
Regulation B Compliance.
Applicant Education.
Efficient Loan Closing.
Product & Process Expertise.
Responsive Communication.
Present approved offers directly to applicants and bankers.
Serve as subject matter experts on all bank credit products and lending workflows.
Handle frequent calls and emails from bankers with clarity and professionalism.
Approval Presentation.
Clearly explain loan terms, conditions, and next steps to ensure transparency.
Prepare closing documents for e-signature to accelerate processing.
Deliver Adverse Action Notices (e.g., Notices of Incompleteness, Adverse Action Notices) in alignment with compliance standards.
Why choose
Quantum Lending Solutions?
Reduce strain on internal resources by outsourcing critical lending processes.
Optimize workflows to minimize processing delays and bottlenecks.
Operational Efficiency
Scalable Expertise
Access a team of specialized lending professionals without the cost of hiring or training in-house staff.
Effortlessly scale your operations in response to market demand.
Advanced Underwriting
& Second Look Program
Leverage data-driven decision models to uncover creditworthy borrowers missed in the first evaluation.
Declined applications undergo comprehensive second-look underwriting for improved approval rates.
Approved loans are funded on Quantum’s balance sheet, protecting your financial exposure.
Seamless Integration
with Your Bank’s Operations
Integrate our platform with your loan application flow for seamless processing, unified data management, and real-time visibility.
Free your internal teams to concentrate on strategic growth initiatives and core banking priorities.
Quantum acts as a seamless extension of your team, aligned with your vision and goals.
Strategic Focus
Customer-Centric Experience
Provide exceptional service to applicants with transparent communication and responsive customer support.
Build long-lasting relationships with small business customers.
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This is How the Quantum
Partnership Works:
Applications are reviewed according to your bank’s credit policies.
Approved loans are funded directly on Quantum’s balance sheet.
Quantum delivers structured
reporting and decision data back to your team.
Application Intake
Applications flow seamlessly into Quantum’s systems for initial review.
Second Look
Evaluation
Declined applications undergo an advanced second-look
assessment.
Compliant
Communication
Applicants receive Regulation
B-compliant notices at every stage.
Policy-Compliant
Underwriting
Funding Responsibility
Data & Reporting
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By partnering with Quantum Lending Solutions, your bank gains a robust operational advantage and a strategic growth partner ready to scale with your ambitions
Unlock the Full Potential
of Your Small Business
Lending Program
Unlock the
Full Potential
of Your Small Business
Lending Program
Partnering with Quantum Lending Solutions gives your bank a strong operational advantage and a growth partner ready to scale with you.
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Ready to transform your
small business lending
operations with BPO +
Second Look Lending?
Take the Next
Step with
Quantum
Lending Solutions
Reduced Operational Costs
Key Benefits
at a Glance
Draw funds up to your limit and only
pay for what you use, adapting to your
business's needs.
Improved Approval Rates
Enhanced Regulatory Compliance
with Second Look Underwriting
Streamlined Processes
Across the Lending Lifecycle
Optimized Customer
Satisfaction and Trust
Quantum Lending Solutions: Your Partner
in Smarter, Scalable Lending Operations
Take the Next Step with Quantum
Lending Solutions
Ready to transform your small business lending operations with BPO + Second Look Lending?
Quantum Lending Solutions: Your Partner in Smarter, Scalable Lending
Operations
Contact US
Tel: (800) 852-0655
(888) 390-0064
CONTACT US