There is a strong case to be made for lenders using SBA loan programs. We see the following as key reasons: It helps community lenders serve a larger, more diverse pool of businesses and commercial borrowers. Read more here. When used to extend credit to more C&I businesses, it helps to diversify portfolios and avoid over-concentration in commercial real estate. Read more here. It creates a valuable source of non-interest income when selling the guaranteed portion of the loan. Read more here. It allows banks to significantly expand commercial lending volume and increase overall profitability without adding any fixed expense. Read more here.