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People, Platform, Purpose

Business Lending
Done Your Way

Whether you need our industry-leading, proprietary commercial lending software, our on-call commercial lending services and expertise, or something in between, BAFS will meet you where you are to grow your business.

Providing Financial Institutions With an Industry-First Combination of Commercial Lending Software Technology and Services

BLAST Dashboard

Technical Training

BAFS’ multi-faceted approach to learning offers both software training and lender education using a range of methods including webinars, onsite training, remote learning, and self-directed video.

The BAFS Client Experience Team is Here to Serve

Whether you utilize your own in-house back office or take advantage of the BAFS full-service organization, BAFS’ Client Experience Team is available to solve problems and knock down barriers to your success.

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Our Story Begins With Service

BAFS provides financial institutions with the best of commercial lending software and services.

Founded in 2009, BAFS began with a mission and seven institutions. We began delivering our proprietary BLAST® platform in 2014 and now service financial institutions all over the country with clients in Pennsylvania, California, Nevada, Alaska, Florida, and growing.

Providing our clients with exceptional commercial lending software and services is at the core of everything we do.

Resources

See what our team of experts are doing to help our partners succeed, both today and in the future

News | Press Release

BAFS Announces Market Expansion

Providing Financial Institutions With an Industry-First Combination of Commercial Lending Technology and Service

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Product Services Guide

Third-Party Loan Review

The Third-Party Loan Review performed by BAFS’ team of experts is designed to assist your institution’s management in monitoring the asset quality of the commercial loan portfolio while measuring the effectiveness of the current procedures and existing loan policy.

In the guide:

Third-Party Loan Review Process

  • Scope
  • Schedule the Review
  • Documents Gathering and Review
  • Question and Answer
  • Exit Meeting
  • Deliverable – Third-Party Loan Review Report

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Product Services Guide

SBA Lending

BAFS is an authorized Lender Service Provider, and we know how the SBA works, what they want to see, and how they need it to be delivered.

In the guide:

SBA Lending Process

  • Pre-Screening and Loan Determination
  • Underwriting
  • SBA Packaging
  • SBA Submission
  • Loan Closing
  • Loan Servicing

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Product Services Guide

Loan Review

BAFS provides access to a professional and efficient Loan Review Program. BAFS’ Loan Review team provides an early warning system for potential credit issues by examining credit risk to help you identity and address risks before they become major problems.

In the guide:

Loan Review Process

  • Loan Review Options
  • Relationship Review
  • Stress Testing
  • Industry Analyses
  • Credit Risk Review
  • Deliverable – Loan Review Report

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Product Services Guide

Loan Analysis

BAFS uses a variety of techniques to analyze a borrower’s financial performance data to determine the level of risk associated with the entity and the amount of losses that the lender will suffer in the event of default.

In the guide:

Loan Analysis Process

  • Scope and Loan Request
  • Initial Review
  • Financial Analysis
  • Underwriting
  • Credit Memo

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Product Services Guide

Commercial Loan Participations

BAFS maintains an internal participation program with applicable underwriting, servicing, and credit administration services that efficiently manages your Commercial Loan Participations.

In the guide:

Commercial Loan Participation Process

  • Participation Opportunity Communication
  • Participation Agreement and Certificates
  • Participation Management and Servicing
  • Loan Boarding
  • Due Diligence

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Product Services Guide

Portfolio Due Diligence for Mergers and Acquisitions

The Portfolio Due Diligence review ascertains the overall credit quality of a financial institution’s existing commercial loan portfolio. BAFS’ team has extensive experience with several team members having a Credit Risk Certification designation. We provide one of the most detailed and in-depth review reports in the industry.

In the guide:

Portfolio Due Diligence Process

  • Determine Scope of the Review
  • Documents Gathering
  • Loan Reviews
  • Exit Meeting
  • Deliverable – Portfolio Due Diligence Report

Download
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Product Services Guide

Document Processing

All loans require extensive documentation that can get lost, mismanaged, or forgotten. BAFS’ Document Processing team will prepare all loan documents to ensure compliance while increasing efficiency and reliability. We focus on compliance review and regulatory oversight, protecting your institution and allowing you to feel secure in the accuracy of your loan documentation.

In the guide:

Document Processing Process

  • Document Processing Options
  • Preparation of Draft Loan Documents
  • Compliance with Regulations and Internal Policies
  • Loan Document Review
  • Preparation of Final Closing Package

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Product Services Guide

Financial Spread and Ratio Analysis

BAFS’ experienced and dedicated team can handle financial statement spreading and analysis for you, saving your team time and increasing efficiency. Using your existing financial models and narrative templates, or creating custom models and narratives for you, we use our proprietary software to analyze financial statements and produce a financial analysis customized to your needs to help you evaluate the creditworthiness of your borrowers.

In the guide:

Financial Spread and Ratio Analysis Process

  • Financial Spread and Analysis Options
  • Financial Spreading Using Customized Models
  • Custom Financial Narratives
  • Deliverable – Financial Analysis Report
  • Optional Added Services

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Product Services Guide

Regulatory Compliance

At BAFS we know what regulators expect and have extensive knowledge of the regulatory agencies’ requirements. We use our knowledge of these requirements to help you create a commercial loan policy and procedures manual that incorporates all required elements and regulatory concerns while tailoring the policy to your institution’s lending activities and parameters.

And you can be confident heading into your next exam with BAFS’ experienced team! Our team can provide exam assistance and regulatory response both on-site and remotely.

In the guide:

Regulatory Compliance Process

  • Policy and Procedure Manual template and customization
  • Existing Policy and Procedure Review
  • Exam Assistance
  • Regulatory Response

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Product Services Guide

Credit Risk Rating System

At BAFS, our team of experts can help your institution create credit risk rating systems that produce accurate ratings, meet regulatory expectations, and are tailored to your needs. We can also review your current risk rating systems and provide recommendations for updates and enhancements as needed.

In the guide:

Credit Risk Rating System Process

  • Developing systems
  • Customizing systems
  • Reviewing systems

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Product Services Guide

Report Services

Access to data is one of the foundations of a strong commercial lending program. You want reporting on your data when you need it and how you need it.

At BAFS our Data Analytics team produces timely and accurate reports for our institution partners. Whether reporting for month-end activities or standard daily and weekly reports, the data is readily available in our BLAST® platform.

In the guide:

Report Services Process

  • Standard daily and weekly reports
  • Month-end reporting
  • Custom reports

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Product Services Guide

Data Analytics Solutions

BAFS’ experienced Data Analytics team helps in the collection, management, and organization of your data. From transforming your data into meaningful reports to using your data to provide information to your customers, our team provides solutions to help you make the most of your data.

In the Guide:

Data Analytics Solutions

  • SBA and USDA Reporting
  • Loan Boarding
  • Participation Loan Management
  • Statements
  • Dashboard Creation and Support

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Product Services Guide

Collateral Management

The primary goal of collateral management is to lessen the risk involved in commercial lending. Maintaining compliance with new and changing regulations is a key challenge impacting collateral management today placing increased pressure on the day-to-day workflow of lending institutions.

BAFS’ Collateral Management team can help institutions confirm, value, manage, and control collateral with set standards, procedures, processes, and policies.

In the Guide:

Collateral Management Processes

  • Appraisal Program Oversight
  • Appraisal Engagement
  • Evaluations and Revaluations
  • On-Site Visits
  • Appraisal and Evaluation Reviews
  • Environmental Reviews and Recommendations
  • Construction Loan Draw Management
  • Asset Baseline Management

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Product Services Guide

Document Compliance Solutions

From loan origination to servicing and eventual payoff, proper document compliance and exception management provide a solid foundation for audits and examinations while also helping to streamline processes and enhance operational efficiency. The BAFS team of experts provide multiple solutions to help institutions effectively and efficiently ensure loan documentation accuracy and compliance.

In the Guide:

Document Compliance Solutions

  • Quality Control and Compliance Review
  • Imaging and Indexing
  • Tickler and Exception Tracking

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View BLAST® in Action

Our BLAST®-enabled suite of services offers a comprehensive solution for loan management and credit administration across application, analysis, underwriting, and document preparation. Schedule a demo with our team and see how our coordination of people and platform will grow your business!