SBA WORX

What SBA WORX does

SBA WORX is a privately held Lender Service Provider (LSP) that delivers outsourced SBA 7(a) lending services to U.S. financial institutions. Founded in 2024 by Tim Davis in St. Louis, Missouri, the company targets community banks as its primary segment and larger financial institutions as a secondary segment, positioning itself as an alternative to building in-house SBA back-office capabilities. The company operates under SBAWORX LLC and is led by Founder & CEO Tim Davis and Principal Tom Daiber, with two executives combining for 90+ years of financial services experience and a personally attributed track record of over $450-500 million in originated SBA 7(a) loans.

SBA WORX offers three integrated service pillars: SBA 7(a) Loan Program Consulting (process analysis, efficiency optimization, and compliance recommendations), Tailored SBA 7(a) Solutions (end-to-end loan lifecycle support including application, underwriting, packaging, processing, closing, servicing, liquidation, loan review, and guaranty purchase), and Ongoing Support & Training (scheduled and on-demand training plus regulatory updates). Underpinning the services is a white-labeled platform technology with customized landing pages that allows partner institutions to deliver SBA 7(a) lending services under their own brand.

The business model is B2B professional services with quote-based, non-publicly-disclosed pricing. SBA WORX goes to market primarily through direct enterprise sales, supplemented by a channel/white-label distribution model, SEO, organic social, and participation in industry organizations such as NAGGL (National Association for Government Guaranteed Lenders). The company is bootstrapped/founder-owned with no disclosed institutional funding rounds.

Name

SBA WORX

Legal name

SBAWORX LLC

Website

https://sbaworx.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

SBA WORX is a Lender Service Provider delivering outsourced SBA 7(a) lending consulting, loan lifecycle processing, and a white-label platform to community banks and other U.S. financial institutions.

Ownership category

akta.pro rank

Product category

SBA Lending Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

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 Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH)

Keywords

• SBA lender services
• SBA 7(a) lending
• Loan processing support
• Lender service provider
• Commercial lending consulting

Headquarters

HQ city

St Louis

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. SBA 7(a) Lender Services: SBA WORX generates revenue by providing outsourced SBA lending expertise and services to financial institutions. Their model eliminates the capital expense of building an in-house SBA back office for partner institutions while helping them expand lending product offerings and generate premium income from SBA 7(a) loans.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

SBA WORX is a Lender Service Provider that helps financial institutions streamline and expand their SBA 7(a) lending operations through outsourced expertise and a white-labeled technology platform. Its core offerings include SBA 7(a) Loan Program Consulting, tailored end-to-end loan lifecycle services (underwriting, processing, closing, servicing, liquidation, and guaranty purchase support), and ongoing training and support. The white-labeled platform with customized landing pages enables partner institutions to deliver SBA 7(a) services under their own brand.

Product overview

SBA WORX is a Lender Service Provider (LSP) offering a comprehensive suite of SBA 7(a) lending services as a unified platform-plus-services model. The core offerings consist of three integrated service pillars: SBA 7(a) Loan Program Consulting (process analysis, efficiency optimization, and strategic recommendations), Customized Loan Packages (end-to-end loan lifecycle management including underwriting, processing, closing, servicing, and liquidation), and Ongoing Support & Training (continuous education and process optimization). The company also provides a white-labeled platform with customized landing pages to help financial institutions offer SBA 7(a) lending services.

Differentiator

Problem solved

Functional benefit

Products and services

• SBA 7(a) Loan Program Consulting Consulting service for financial institutions that analyzes current SBA lending processes, optimizes efficiency, ensures compliance, and implements best practices for SBA 7(a) lending operations.
• Tailored SBA 7(a) Loan Solutions Comprehensive end-to-end SBA 7(a) loan service covering application, underwriting, packaging, processing, closing, servicing, liquidation, loan review, and guaranty purchase support for financial institutions.
• Ongoing Support & Training Continuous training and support services for financial institutions, including scheduled training sessions, on-demand support, industry updates on regulatory changes, and process optimization recommendations.

Quantifiable outcome

• Successfully originated over $500 million in SBA 7(a) loans
• +2 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• SmartBiz: SmartBiz is an SBA 7(a) loan technology and origination platform that connects small businesses with bank partners and streamlines SBA underwriting. It directly parallels SBA WORX's positioning as an SBA lending enablement layer for financial institutions.
• Biz2Credit: Biz2Credit operates an online small-business lending marketplace and SBA loan platform serving banks and alternative lenders. It overlaps with SBA WORX in providing SBA-focused technology and process support to financial institutions.
• Boefly: Boefly (formerly BoeFly) is an SBA loan marketplace and technology platform serving commercial lenders and small businesses. Its lender-facing SBA tools and process automation are comparable to SBA WORX's white-labeled platform offering.
• Lendio: Lendio operates an SMB lending marketplace that funnels small-business loan applications — including SBA products — to a network of partner lenders. It is comparable to SBA WORX in enabling banks to source and process SBA loan demand through a partner platform.

Broad incumbents

• Funding Circle: Funding Circle is a larger, established SME lending platform with a broad product suite spanning SBA-adjacent and non-bank small-business credit. It is comparable as a B2B small-business lending infrastructure player, though it operates its own balance sheet rather than purely as an LSP.
• Newtek Business Services: Newtek is an established business services and SBA 7(a) lender with a broad portfolio of small-business offerings. It is comparable to SBA WORX in SBA 7(a) expertise and small-banking relationships, though it operates as a lender and program participant rather than a pure LSP.

Emerging players

• Accion Opportunity Fund: Accion Opportunity Fund is a nonprofit small-business lender focused on underserved SME financing with SBA program participation. It overlaps with SBA WORX's small-business lending expertise, though it primarily serves as a direct lender rather than as an LSP.
• Greenbox Capital: Greenbox Capital is a small-business lending technology and embedded credit platform serving SMBs and partners. It is comparable to SBA WORX in enabling partner banks/ISOs to extend small-business credit through technology and process support.
• Pathfinder Group (SBA Consulting): Pathfinder Group and similar SBA consulting/advisory firms serve as lender service providers helping community banks build SBA programs. They are comparable to SBA WORX's consulting pillar and compete for the same community-bank outsourcing budget.

Others

• Celtic Bank (SBA Lender): Celtic Bank is one of the largest SBA 7(a) lenders in the U.S. and a frequent platform/white-label partner for fintech SBA originators. It is comparable as an SBA ecosystem participant that SBA WORX would interact with as either a partner or a competing origination channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/sbaworx

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 SBA WORX