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People, Platform, Purpose

Business Lending
Done Your Way

Whether you need our industry-leading, proprietary lending software, our full-service, on-call commercial lending 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 Technology and Services

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.

Our Story Begins With Service

BAFS (Business Alliance Financial Services) is a privately-owned company that 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 service is at the core of everything we do.


See what our team of experts is 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

Portfolio Review

The Portfolio 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:

Portfolio Review Process

  • Scope
  • Schedule the Review
  • Documents Gathering and Review
  • Question and Answer
  • Exit Meeting
  • Deliverable – Portfolio 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
  • 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


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!