1) Institutions that only originate occasional SBA loans
If SBA loan volume is low, implementation, training, and vendor management overhead may outweigh the benefits of a specialized solution.
2) Institutions that prioritize consolidation into an existing LOS
If an institution prefers to standardize lending workflows inside a broad LOS, adding a specialized SBA system may increase operational complexity.
3) Institutions that require public security and compliance artifacts at the initial evaluation stage
Public-facing documentation on SOC 2, ISO certifications, and enterprise security features is limited. Institutions whose vendor-risk policies require such materials in the early stages of evaluation may experience a slower procurement process.
4) Institutions that require always-on support by default
Public support-hour documentation suggests standard business-hours support; confirm premium or extended support options if 24/7 coverage is required.