SBA origination and guaranty
Validate eligibility, credit elsewhere, underwriting, structure, use of proceeds, authorization, and closing.
applicationeligibilitycredit memoauthorization
Work-to-proof operating intelligence
Make every guaranteed loan eligible, documented, serviced, and review-ready.
Connect authorization, eligibility, underwriting, guaranty, disbursement, servicing, liquidation, purchase, recovery, and lender oversight.
One governed operating record
✓ Faster governed work✓ Earlier material-risk detection✓ Complete evidence lineage✓ Continuous regulatory readinessRole-specific execution
Workflows that become examination proof.
People do their actual work in Smarter. Approved outcomes, evidence receipts, and requirement status synchronize into Vigil without duplicating files or exposing restricted content.
SBA servicing and recovery
Guide servicing actions, defaults, liquidation, guaranty purchase, recoveries, and repairs.
payment historyservicing actionliquidationpurchase package
Shared intelligence fabric
Every useful action improves the system—inside constitutional boundaries.
Raw work product remains workspace-private; only authorized, purpose-bound, pseudonymous reviewed outcomes may enter minimum-cohort learning.
Raw work product stays privateNo employee performance scoringMinimum cohort and human approvalNo automated regulatory decisions
SmarterGovernment-Guaranteed Lending
Vigil examination bridge
Operational actions become requirement-level evidence.
- ✓SBA OCRM lender reviewAuthority · task · evidence · result · receipt
- ✓Prudential credit examinationAuthority · task · evidence · result · receipt
- ✓Fair-lending reviewAuthority · task · evidence · result · receipt
- ✓BSA/AML reviewAuthority · task · evidence · result · receipt
Smarter × Vigil