For SBA lenders
SBA lenders receive deal flow matched to owner-occupied lending programs
An SBA lender on YieldStack publishes its owner-occupied, hospitality and self-storage programs, and only deals that clear those programs are shown to it. Every deal arrives pre-screened for bankability with a credit narrative attached, drawn from the same 20,000+ programs a borrower's single submission is screened against, with 5–8 matches on a typical deal. SBA lenders respond with terms on the platform, and a human deal team carries the file through closing.
- 20,000+loan programs in the screen
- 5–8matches on a typical deal
- Zero upfrontfor a borrower to submit
- 1 hourmedian first offer
What deal flow does an SBA lender receive?
An SBA lender sees deals that already clear the owner-occupied, hospitality and self-storage programs it published, sized for a government-guaranteed small business credit box. The typical file is an operating business buying or refinancing the real estate it occupies, such as a hotel flag or a self-storage facility run by its owner.
YieldStack is a commercial mortgage brokerage, not a lender. A deal without the owner-occupancy or operating-business profile an SBA lender's published programs require is never sent to it, so the queue stays matched to files a guarantee program can actually support.
How are deals screened against the programs you publish?
A borrower describes the deal once, in a 5-minute submit, and that single file is screened against 20,000+ loan programs, with most deals returning 5–8 matches across those programs, and the median offer in under an hour, from an institutional lender. The screen runs the checks an SBA lender's own credit desk would run first, on business operations, sponsor and occupancy factors.
Deals stay anonymous before a letter of intent, so what arrives first is the file and the operating-business narrative around it, packaged for an SBA underwriting review.
What does YieldStack never do with your program data?
An SBA lender's occupancy thresholds and published programs are used to route deals to it and for nothing else. They are never resold to competing SBA lenders or to appetite-intelligence services.
New lenders joining the network are vetted before they are added, so an SBA lender quoting alongside others is quoting alongside a curated set.
How does YieldStack get paid?
It costs Zero upfront to submit a deal and review offers; YieldStack's broker fee is 0.50–1.00% of the loan amount and is paid only at closing.
YieldStack is a commercial mortgage brokerage, not a lender. It does not originate loans or extend credit, and it takes no position in a deal it places. Every credit decision stays with the SBA lender.
Frequently Asked Questions
How do you decide which deals to send an SBA lender?
By the owner-occupied, hospitality and self-storage programs it publishes. A deal without the occupancy profile it requires is not sent.
Is our loan program data shared with other SBA lenders?
No. Program criteria are used to route deals to an SBA lender and are never resold to competitors or to appetite-intelligence services.
Can any SBA lender join the network?
No. New lenders are vetted before joining. Qualified SBA lenders expect deals from qualified borrowers, and the reverse, so the participating set stays curated.
Does YieldStack compete with the SBA lenders on the platform?
No. YieldStack is a commercial mortgage brokerage, not a lender. It does not originate loans or hold capital, and it takes no position in a deal it places.
What does an SBA lender pay to receive deals?
It costs Zero upfront to submit a deal and review offers; YieldStack's broker fee is 0.50–1.00% of the loan amount and is paid only at closing. The fee sits on the borrower's side of the closing, so it does not come out of an SBA lender's pricing.
How does an SBA lender respond to a deal?
With terms, on the platform. The borrower reads those terms beside the other offers on the same file, so the comparison happens on identical information.
Is YieldStack a lender?
No. YieldStack is a commercial mortgage brokerage, not a lender. Every term sheet comes from a lender in the network and is subject to that lender's underwriting.
Does it cost anything to see terms?
No. It costs Zero upfront to submit a deal and review offers; YieldStack's broker fee is 0.50–1.00% of the loan amount and is paid only at closing.
Is financing guaranteed?
No. Every credit decision is made by the lender; YieldStack arranges the introductions and negotiates on the borrower's side, and no loan, rate, or closing is guaranteed.
Where does YieldStack operate?
Nationwide. YieldStack arranges commercial real estate financing nationwide. Every deal is business-purpose commercial financing, and the broker fee is paid only at closing.
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YieldStack is a commercial mortgage brokerage, not a lender.