Our Services for Lenders
SBA Quality of Earnings (QoE)
Independent financial due diligence to provide clarity for acquisition deals while meeting institutional credit standards.
- Executive summary of findings
- Financial performance analysis
- EBITDA adjustments
- Risk & mitigation strategies
Deliverable: A clear, lender-ready QoE report with executive summary, findings, adjustments, and risk considerations.
Credit Review Services
Ensure your lending operations remain robust and compliant with our comprehensive credit assessments.
- Loan file documentation audit
- Financial covenant testing
- Collateral valuation assessment
- Credit administration policy review
- Risk rating validation
Ideal for lenders needing periodic or event-driven credit review support.
Targeted Portfolio Reviews
Deep-dive assessments tailored to identify specific risk factors and ensure regulatory alignment.
- Includes: Compliance gap analysis, asset quality classification, stress testing, and detailed remediation roadmaps.
Perfect for community banks, credit unions, and SBA departments preparing for audits or internal assessments.
M&A & Portfolio Purchase Support
Supports lenders during due diligence for portfolio purchases, participations, or strategic acquisitions.
- Comprehensive Portfolio Due Diligence
- Participation Interest Review
- Strategic Acquisition Assessment
- Independent Asset Quality Evaluation
- Risk Exposure Identification
Underwriting Support
We offer specialized underwriting support for lenders navigating complex SBA loan applications and credit decisions.
- Comprehensive Credit Analysis
- SBA SOP Compliance Verification
- Financial Statement Normalization
- Cash Flow & Debt Service Calculation
Independent review that streamlines your approval process while mitigating risk.
6. EPC/OC Structuring Support
We provide technical guidance for lenders handling Eligibility, EPC/OC (Eligible Passive Company/Operating Company), and complex structuring requirements.
- Includes:
- Review of EPC/OC lease agreements for SBA compliance
- Analysis of 25-year occupancy and technical structuring
- Ensuring alignment with individual borrower and guarantor requirements
- Strategic advice on multi-entity loan structures
Ensuring complex multi-entity deals meet technical SBA standards from the start.
Request a Consultation
Partner with Integrity Risk & Credit Services to enhance your lending portfolio. Our expert team is ready to discuss your specific SBA underwriting and portfolio review needs.