Holtmeyer & Monson

What Holtmeyer & Monson does

Holtmeyer & Monson (H&M) is a privately held Lender Service Provider (LSP) that operates as an outsourced SBA and USDA government-guaranteed lending department for community banks across the United States. Founded in 1982 by a former Small Business Administration division chief and a commercial banking expert, the company enables community financial institutions to offer SBA 7(a), SBA 504, and USDA Business & Industry loan products without building in-house expertise or staffing infrastructure. H&M has held the Independent Community Bankers of America (ICBA) Preferred Service Provider designation in this category since 2006 and was named the Coleman 2024 SBA Lender Service Provider of the Year.

The company delivers its services through five integrated offerings: Loan Consulting & Packaging (with direct SBA E-Tran integration), Loan Closing Services, Securitization & Sale (secondary market transactions), Servicing & Portfolio Management, and an SBA Loan Yield Calculator. Its proprietary technology platform includes an SBA loan origination system with built-in control mechanisms and a dual-parallel accounting system that mirrors both bank and SBA server environments. H&M is SOC 2 Type II certified through the AICPA — a distinction the company notes is held by only a few LSPs.

H&M generates revenue through three streams: lender service fees capitalized into borrower loans, transaction premiums of 8-10% on the sale of guaranteed loan portions in the secondary market, and 1% annual servicing fees from investors on sold loans. Distribution is direct, via regional account executives covering territories across the U.S., supplemented by ICBA endorsement, a bimonthly industry newsletter ("SBA Lending Matters"), and conference presence. The company operates from its Memphis, Tennessee headquarters and additional offices in St. Paul, Las Vegas, Stevens Point, Arkansas, Rising Sun, and Wisconsin.

Name

Holtmeyer & Monson

Legal name

Holtmeyer & Monson

Website

https://holtandmon.com

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

1–10 employees

Short description

Holtmeyer & Monson is a privately held Lender Service Provider founded in 1982 that operates as an outsourced SBA and USDA government-guaranteed lending department for U.S. community banks, handling loan packaging, closing, securitization, and servicing end-to-end.

Ownership category

akta.pro rank

Product category

SBA/USDA Lender Services

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

akta.pro secondary industries

SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Loan Operations & Servicing (Consumer/SME/Corporate) (FSABALAD)

Keywords

• SBA lending services
• USDA loan programs
• Outsourced loan servicing
• Secondary market loan sales
• Community bank lending

Headquarters

HQ city

Memphis

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Lender Service Fees: Holtmeyer & Monson charges reasonable fees to lenders for outsourced SBA and USDA lending services. Fees are capitalized into the borrower's loan, leaving no net costs for the bank to cover.
2. Secondary Market Facilitation: Guides lenders through the process of selling government-guaranteed portions (50-90% of loan amount) in the secondary market. Earns premiums of 8-10% on guarantee sales. Also handles all servicing work on behalf of lenders.
3. Portfolio Servicing Income: Lenders retain servicing on sold loans and receive 1% annual service fees from investors. H&M manages all servicing tasks on behalf of lenders including Form 1502 reporting, servicing requests, deferments, and adjustments.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Holtmeyer & Monson operates as an outsourced SBA and USDA loan department for community banks across the United States. The firm provides end-to-end government-guaranteed lending services including loan consulting and packaging, SBA/USDA-compliant loan closing, secondary-market sale of guaranteed loan portions, and ongoing portfolio servicing and reporting. Fees are capitalized into the borrower's loan, leaving no net cost to the client bank, while lenders earn premiums (typically 8–10%) on the sale of guaranteed portions.

Product overview

Holtmeyer & Monson operates as a comprehensive outsourced SBA and USDA lending services platform for community banks. The platform consists of five integrated services: Loan Consulting & Packaging (application preparation and SOP compliance), Loan Closing Services (documentation and guarantee protection), Securitization & Sale (secondary market transactions for guaranteed portions), Servicing & Portfolio Management (ongoing loan administration and reporting), and an SBA Loan Yield Calculator (financial modeling tool). These services can be contracted individually or in combination, enabling community banks to offer government-guaranteed lending without adding staffing overhead.

Differentiator

Problem solved

Functional benefit

Products and services

• Loan Consulting & Packaging Comprehensive SBA and USDA loan application preparation for community bank clients, including borrower consultation, financial-data formatting for SBA/USDA requirements, direct SBA E-Tran submission, and compliance with SBA Standard Operating Procedures (SOP). Designed for community banks that need to originate SBA 7(a), SBA 504, or USDA Business & Industry loans without in-house SBA expertise.
• Loan Closing Services Management of the SBA and USDA loan closing process to ensure proper documentation, collateral perfection, equity-injection verification, and disbursement procedures that satisfy government guarantee requirements. Built for community banks originating SBA 7(a), SBA 504, and USDA B&I loans.
• Securitization & Sale Facilitation of secondary-market sale of government-guaranteed loan portions (typically 50–90% of loan amount) on behalf of community bank lenders, typically earning 8–10% premiums, plus arrangement of investor pool purchases. Targeted at community banks seeking to monetize SBA/USDA guarantees and earn non-interest fee income.
• Servicing & Portfolio Management Ongoing SBA and USDA loan servicing for community bank lenders, including payment processing, Form 1502 reporting, borrower monitoring, servicing requests, deferments, and adjustments throughout the loan term. Enables lenders to retain servicing on sold loans and collect 1% annual service fees from investors.
• SBA Loan Yield Calculator Interactive web-based calculator that estimates non-interest fee income, sale premiums, net returns, and yield analysis comparing SBA loan scenarios sold versus unsold in the secondary market. Built for community bank personnel evaluating SBA lending economics.

Quantifiable outcome

• Lenders earn 8-10% premiums on guarantee sales at no net cost to the bank
• +4 more outcomes

Named customers7 records

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered core.

• Independent Community Bankers of America (ICBA)coreGTM or Marketing Partner · 6 March 2006ICBA Preferred Service Provider since 2006, providing outsourced SBA and USDA lending services to ICBA member community banks. ICBA recognizes H&M's expertise in government-guaranteed lending that helps community banks expand capabilities, serve customers better, and diversify revenue streams. 20th anniversary of relationship celebrated in March 2026 at ICBA LIVE in San Diego.
• American Institute of Certified Public Accountants (AICPA)coreTechnology or IntegrationH&M has achieved SOC 2 Type II compliance certification through AICPA's rigorous audit examination process. This certification validates H&M's internal controls and systems meet stringent security and privacy standards under AICPA Trust Service Criteria.
• U.S. Small Business Administration (SBA)coreStrategic or Co-development PartnerCore government agency partner for 7(a) and 504 loan programs. H&M works directly with SBA on loan packaging, E-Tran submissions, guaranty processing, and policy guidance. President Arne Monson is frequently invited to speak before SBA regulators and participate in government forums.
• U.S. Department of Agriculture (USDA)coreStrategic or Co-development PartnerPartner for USDA Business & Industry (B&I) Guaranteed Loan Program. H&M assists lenders with USDA B&I loans up to $25 million with 80% guarantee, providing alternative to SBA 7(a) program.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• BoeFly: Marketplace platform connecting small business borrowers with SBA-preferred and other lenders; focuses on SBA loan matching and is an emerging alternative to bank-direct SBA channels that H&M supports.
• Lendio: Small business loan marketplace aggregating SBA, USDA, and conventional term-loan demand for a network of lenders; competes for the same end-borrower origination funnel that flows through H&M's community bank partners.
• SmartBiz Loans: Online SBA loan marketplace and originator streamlining SBA 7(a) applications for banks and borrowers; partially overlaps with H&M's origination services, though focused on digital self-service rather than full outsourced LSP coverage.
• Maxwell: SaaS platform that automates SBA loan packaging, compliance, and submission to E-Tran for community banks and lenders; an emerging threat to H&M's manual packaging and consulting services, addressing a similar pain point with a software-first approach.

Direct peers

• Live Oak Bank: Largest pure-play SBA 7(a) lender in the U.S. While Live Oak originates directly rather than serving as an outsourced LSP, it competes head-to-head with H&M-enabled community bank programs for the same SBA small-business lending volume and represents the most direct comparable in scale and program focus.
• Celtic Bank: Top-tier SBA 7(a) lender operating a similar model of partnering with community banks and participating lenders; directly competes with H&M-enabled programs for SBA volume and the same lender-customer relationships.
• ReadyCap Lending: Specialized SBA 504 and small business loan originator working with banks, brokers, and CDCs; competes for the same community-bank SBA origination relationships and uses a similar outsourced/partner-led fulfillment model.

Regional players

• Accion: Nonprofit small business lender focused on underserved borrowers, including SBA Microloans and conventional credit; operates adjacent to H&M's USDA/SBA activity though it originates directly rather than servicing banks.

Broad incumbents

• Funding Circle U.S. Broad small-business online lender covering SBA, term loans, and lines of credit; a broader incumbent competitor for community bank small business relationships, although with a different origination channel.

Others

• National Association of Government Guaranteed Lenders (NAGGL): Industry association and certification body for SBA/USDA lenders and LSPs (Arne Monson has served on NAGGL's Lender Service Provider Committee); not a direct competitor but a channel-shaping peer and stakeholder in the same ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/holtandmon

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Holtmeyer & Monson