For mission-driven lenders deploying capital to small businesses that conventional finance has consistently underserved.
LenderImpact is designed for the full range of mission-driven lenders: organizations that deploy capital to small businesses and entrepreneurs that conventional finance has consistently underserved. If you measure success by community outcomes, not shareholder returns, this platform was built with your workflows in mind.
Deploying FA, BEA, and NACA awards alongside bank capital and impact investors. Your challenge: per-deal underwriting cost can make small loans uneconomical. LenderImpact is designed to help change that unit math.
Lean teams, diverse programs, limited staff. Your challenge: fragmented tools and no portfolio-wide visibility. LenderImpact is designed to replace the spreadsheet patchwork.
Deploying SBA Microloan Program capital with strict compliance obligations. Your challenge: documentation burden and audit readiness at small loan sizes. LenderImpact is built for this economic reality.
Running capital access alongside technical assistance. Your challenge: connecting TA and lending data for funder reporting. The EIC ecosystem was designed for exactly this connection.
Most community lenders currently stitch together six or more disconnected tools — none of which talk to the support ecosystem that preceded the loan. LenderImpact is designed to connect these workflows and add the borrower context that standalone tools cannot provide.
Manages intake and workflow — but no borrower support context, no TA history
Tracks relationships — disconnected from loan pipeline and underwriting
Manages repayment — siloed from origination and impact data
Underwriting, tracking, and reporting — manual, error-prone, not scalable
Files scattered across email, shared drives, and separate portals
Manual compilation at quarter-end — data lives in four other systems
Intake, eligibility, document collection, risk tiering, and decision support — in one configurable workflow
Real-time dashboard, delinquency signals, covenant tracking, renewal identification — connected to servicing via API
CDFI Fund TLR data, CRA analytical records, funder dashboards — generated continuously, not compiled manually
TA history from Catalyzer, verified profiles from Startup Space — borrower context that predates the loan application
Industry research suggests per-deal underwriting cost can reach 30–50% of loan value on credits under $100K — precisely the loans CDFIs are chartered to make. This is not primarily a margin problem. It is a technology infrastructure problem.
Support history, TA records, financial data, and program participation often live in disconnected systems. Underwriters make decisions without the full borrower context that exists within their own ecosystem.
Fintech lenders offer same-day decisions and digital borrower experiences. Community lenders offer relationships, fair terms, and mission accountability. Borrowers increasingly need both. LenderImpact is designed to help bridge that gap.
The critical difference: Most lending platforms can connect your existing tools. LenderImpact can also connect your lending operation to the support ecosystem that precedes capital — so borrowers arrive with verified data, TA context, and mission alignment already documented. That is the advantage that standalone loan origination systems cannot replicate.
LenderImpact is designed as the lending layer of a three-platform ecosystem. Most lending platforms start when a borrower walks in. LenderImpact can start when that borrower first connected with your support programs.
OS for small business support programs. Tracks advising, TA delivery, cohort milestones, and program outcomes.
Digital avatar for business owners. Builds a verified, living profile — financials, readiness score, documents — so owners can arrive lender-ready.
Lending OS for mission-driven lenders. Origination, underwriting intelligence, portfolio management, and impact reporting.
Most loan origination platforms ask you to migrate your borrowers, retrain your staff, and rebuild your workflows. LenderImpact is designed to work differently.
“Connected Capital” means LenderImpact is designed to connect to the support and readiness platforms that precede a loan application — so borrower context, TA history, and verified profiles can flow into your origination and underwriting workflows automatically. The goal is better data at the moment of decision.
Below, each capability is tagged with its current maturity: what is available now, what requires configurable implementation, and what is on the near-term roadmap. We believe in representing the product honestly.
Digitize and structure every step from first inquiry to complete application package — with the option to draw on pre-verified borrower data from the EIC ecosystem where it exists.
Where Startup Space profiles exist, intake can be significantly accelerated. Specific integration capabilities depend on implementation scope.
Configurable workflows designed to support — not replace — loan officer judgment. Built to handle the documentation reality of CDFI borrowers: incomplete tax returns, hand-prepared statements, thin-file histories.
LenderImpact supports eligibility screening, risk tiering, policy checks, and decision support. Final credit decisions remain with your loan officers. Always.
Designed to provide real-time visibility across loans, programs, and risk tiers — so portfolio managers can proactively manage risk, surface renewals, and support funder reporting without manual compilation.
Impact metrics are designed to support CDFI Fund, funder, and board reporting — tracked continuously rather than assembled manually at quarter-end.
When a business owner is ready for capital, the intelligence built during support and readiness phases can flow directly into the lending process. No data re-entry. No context loss. No cold application — for borrowers already in the ecosystem.
Business owner receives advising, training, and program support. TA hours, cohort milestones, and advisor notes are recorded for potential lending context.
Owner builds a verified digital profile — financial health, readiness score, key documents — so they can arrive at the lending stage with a structured, pre-verified package.
Lender receives a borrower with context. Intake is structured. Underwriting intelligence supports the loan officer's decision. Cycle time can be significantly reduced from paper-based processes.
Loan funded. Portfolio health monitored in real time. Repayment and delinquency tracked. Community outcomes measured and compiled for reporting — without a manual sprint.
Mission-driven lenders operate at the intersection of community impact, federal capital, funder accountability, and fair-lending obligation. These considerations are built into LenderImpact's design — not treated as afterthoughts.
On underwriting intelligence: LenderImpact's decision-support workflows are designed to reduce manual work and structure the underwriting process — not replace loan officer judgment or independently approve or deny loans. Credit decisions remain with your team. Where implemented, audit trails, adverse action documentation, and explainable decision records are built into the workflow, not bolted on after.
Every action, decision, override, and document event is designed to be timestamped and logged — reviewable per deal, per officer, or across the portfolio.
Structured data capture designed to support Transaction Level Report filing — borrower demographics, loan purpose, geographic data, and underwriting rationale.
For CDFI banks and bank partnerships, CRA-supporting underwriting documentation is on the roadmap — designed to produce the record that supports classification at bank exam.
Adverse action notice templates, explainable decision records, and configurable credit policy controls designed to support ECOA and related fair-lending requirements.
Data encrypted in transit and at rest. Borrower consent tracked and auditable. Role-based permissions designed to ensure only the right people access sensitive information.
LenderImpact is designed to connect to existing LOS, servicing, accounting, or CRM systems via API. Integration scope and depth depend on the implementation engagement.
Most lending platforms start when a borrower walks in the door. LenderImpact is designed to start when a small business owner first connects with your support ecosystem — months or years before they apply for capital.
TA history, cohort milestones, and advisor notes can be available at origination — so your underwriter may already know this borrower before the intake form is submitted.
Startup Space is designed to maintain a current, verified business profile — not a static snapshot. Financial health and readiness score can be up to date at the time of application.
Impact measurement can span all three platforms — so you can trace a loan outcome back to the TA that made it possible and report that story to your funders and board.
Configurable underwriting intelligence workflows can help reduce per-deal cycle time from weeks to days for qualified borrowers — without removing loan officer judgment from the process.
The underwriting engine is designed to be fully configurable to your criteria and risk thresholds. The mission narrative field is always lender-controlled — never automated, never optional.
LenderImpact is the lending layer. It is designed to work alongside two complementary platforms — each serving a different stage of the support-to-capital journey that distinguishes EIC from standalone lending tools.
The OS for small business support programs. Catalyzer is designed to power SBDCs, CDFIs, and EDOs — tracking client advising, TA delivery, cohort milestones, and program outcomes. It is designed as the system of record for the support relationship that can precede capital.
The digital avatar for business owners. Startup Space is designed to build a verified, living business profile — financial health indicators, capital readiness score, key documents, and milestones — so borrowers can arrive lender-ready before they apply.