A spectrum of services for CDFIs at every stage.
No two lenders have exactly the same needs, so our services are never one-size-fits-all. We start where you are, and build to where you're going.
Where do you see yourself?
We work with CDFIs of every size. Our services span underwriting, consulting, and software. Most of our clients receive a blend of all three–what you get depends on what you need.
For example, you might be…
Emerging
You have a passionate team and a real mission, ready to build your loan program from the ground up.
You might need
A credit policy that stands up to scrutiny
A clear process for evaluating loan risk
Hands-on coaching for your team
Growing
You have an established loan program with working policies, steady volume, and a sound credit policy.
You might need
Consistent 3-day underwriting turnaround
Process standardization and workflow support
A trusted expert to call when you get stuck
Established
You have experienced staff, efficient workflows, and a well-defined credit process.
You might need
Agile underwriting support, native to your environment
Coverage for parental leaves, volume surges, and special programs
API-embedded document intelligence
What every Olea client gets
No matter your size or what you need from us, these are the things we never compromise on.
You own the relationship
We operate behind the scenes. Your borrower will never know we were there.
The credit decision stays with you
We provide a recommendation. The final call is always yours.
Full objectivity
We don’t have a stake in the outcome. Our analysis is based solely on the numbers.
3 business days or less
For small business loans. Underwriting shouldn't create a barrier between your borrower and their capital.
How the process works
Onboarding
One time, when we start working together.
You share your credit policy with us.
You choose your pricing structure: flat fee per file or monthly retainer.
We set up a secure channel for collaborating–you choose whether to provide us access to your software or use ours.
Ongoing
Each time we work on a loan together.
Submit your loan for underwriting using our simple form.
We underwrite the loan in your system, according to your risk appetite. If we have questions, we return it to your loan officer for follow up.
You receive a written credit recommendation with full supporting financial analysis—ready for your final approval authorities.
Everything you need, ready for approval
Each underwriting file we deliver includes:
Written credit decision recommendation
Overview of business history and trajectory
Global repayment capacity calculations
Financial spreads
Bank statement analysis
Credit report review
Collateral valuations
Identity verification
Recommended pre- and post-closing conditions
How can we support you?
Most new clients start with a conversation.