Business lending without the paperwork bottleneck
Commercial loans, small business loans, and lines of credit still run on email threads and document checklists at most institutions. BLA digitizes the whole application — multi-signer support, business income verification, and automated document collection — so your commercial team spends time on relationships, not chasing paperwork.
Every business credit product, one application experience
Commercial & small business loans
Full digital application flows for commercial loans and small business loans, configured from Cotribute's template library to match your underwriting requirements.
SBA-ready workflows
Structured data capture and automated document collection built to support SBA lending programs — the paperwork-heavy loans that benefit most from digitization.
Business lines of credit
Business and commercial lines of credit, plus business credit cards, on the same platform as your term lending — one queue for your lenders, one experience for the borrower.
Built for how business loans actually close
Multi-signer support
Partners, co-owners, and guarantors each get their own signing workflow. Every required signature is tracked and collected digitally — no more stalled deals waiting on one signer's office visit.
Business income verification
Verify business income inside the application flow, giving underwriters validated financial data instead of self-reported numbers and follow-up requests.
Automated document collection
The application requests exactly the documents your policy requires for the entity type and loan product, collects them digitally, and keeps the file complete before it reaches underwriting.
KYB & beneficial ownership
BusinessGuard+ runs business identity verification, Secretary of State validation, beneficial owner verification, and watchlist screening automatically — the same compliance stack behind Business Account Opening.
Automated decisioning
DecisionIntelligence+ applies your commercial credit policy through configurable rules, auto-clearing what qualifies and routing exceptions to your lenders with full context.
Core-connected
Real-time integration with Jack Henry, Corelation KeyStone, and Fiserv cores — part of 36+ direct API integrations — books approved loans without manual re-entry.
One platform for consumer and business growth
BLA shares its back office, decisioning engine, and core integration with Consumer Loan Applications and Business Account Opening. Your team learns one system; your institution signs one contract; your members and business customers get one consistent experience across 90+ configurable product templates.
Frequently asked questions
LendingWhich business loan products does BLA support?
Commercial loans, small business loans, business and commercial lines of credit, and business credit cards — configured from Cotribute's library of 90+ financial product templates. SBA-ready workflows support the structured data and document collection SBA programs require.
OpsHow does multi-signer support work?
Each owner, partner, or guarantor receives their own secure link to complete their portion — identity verification, consents, and e-signature. The application tracks who has signed and who hasn't, and your team sees one complete file when everyone is done.
RiskWhat verification runs on the business and its owners?
BusinessGuard+ runs KYB business identity verification, Secretary of State validation, beneficial owner verification, and watchlist screening automatically. Business income verification confirms repayment capacity, and configurable decisioning rules apply your credit policy consistently.
ITDoes BLA integrate with our core and existing systems?
Yes. BLA uses the platform's 36+ direct API integrations for real-time connectivity with Jack Henry (Symitar, SilverLake, CIF 20/20, Core Director), Corelation KeyStone, and Fiserv (DNA, XP2, Portico, Premier) cores, plus document imaging and e-signature systems.
CEOHow long does it take to launch business lending?
Loan modules are typically live in 45–60 days depending on your core. Because BLA is template-driven, adding a new business loan product later is a configuration exercise, not a new project.
Bring business lending into this decade
Price BLA for your institution, or walk through a multi-signer application with our team.