Business Details
17 Years
experience
Commercial Lending Software & Services
Business Alliance Financial Services (BAFS) is a privately-owned financial services organization founded in 2009 with a mission to empower financial institutions through innovative commercial lending solutions. Our team combines decades of industry experience with proprietary technology to deliver tailored services that drive efficiency and profitability. The BLAST Commercial Lending and Administration Platform, launched in 2014, serves as the cornerstone of our offerings, enabling clients to streamline loan management processes while maintaining compliance with evolving regulations. Our client-centric approach emphasizes flexibility, offering three service packagesEssential, Assurance, and Allianceto accommodate varying institutional needs.With operations spanning multiple states and a client base exceeding 100 financial institutions, we prioritize personalized support through dedicated Client Advocates and Partners. Our leadership team brings extensive expertise in commercial lending, credit administration, and technology development, ensuring clients receive strategic guidance grounded in practical experience. Through continuous innovation and a commitment to excellence, we aim to be the market leader in commercial lending growth partnerships, helping institutions expand their portfolios while mitigating risk.
Services
Commercial Lending Software
Credit Administration
Loan Review Services
Document Processing
Portfolio Due Diligence
Regulatory Compliance
Data Analytics
Collateral Management
SBA Lending
Loan Participations
Details
- Year established: 2009
Highlights and features
- We offer 15+ years of commercial lending expertise with a client base spanning 50+ states
- Our proprietary BLAST platform streamlines loan management workflows from application to compliance
- Flexible service packages accommodate institutions with or without dedicated lending teams
- Dedicated Client Experience Team ensures proactive support and issue resolution
- Comprehensive solutions reduce back-office costs while maintaining regulatory compliance
What people say
Streamlined loan processing
Expert credit administration
Proactive client support
Regulatory compliance expertise
Scalable technology solutions
Services
BLAST Commercial Lending Platform
Our proprietary cloud-based platform streamlines commercial loan management from application to compliance. The system guides workflows through automated processes for underwriting, document preparation, and credit administration. Financial institutions gain real-time visibility into portfolio performance while maintaining regulatory compliance through integrated risk management tools.
Credit Administration Services
Comprehensive back-office solutions for credit administration include loan reviews, compliance monitoring, and portfolio management. Our team specializes in risk assessment, covenant compliance, and industry analysis using standardized frameworks. Services help institutions maintain asset quality and meet regulatory requirements without building internal infrastructure.
Loan Review Program
Professional loan review services identify credit risks and regulatory gaps through systematic evaluations. Our experts examine loan files for compliance, financial accuracy, and risk mitigation strategies. Institutions receive detailed reports with actionable recommendations to improve portfolio health and prepare for examinations.
Document Processing
Specialized document preparation ensures regulatory compliance and operational efficiency for commercial loans. Our team handles drafting, review, and finalization of loan documents including UCC filings, collateral agreements, and SBA/USDA packages. Services reduce administrative burdens while maintaining accuracy in critical paperwork.
Portfolio Due Diligence
In-depth due diligence reviews assess commercial loan portfolio quality during mergers and acquisitions. Certified credit risk professionals analyze asset health, compliance status, and policy effectiveness. Clients receive comprehensive reports detailing portfolio strengths, weaknesses, and risk mitigation strategies for informed decision-making.
People
Richard Guillot
President/CEO
30+ years in small business lending with expertise in commercial credit analysis and loan review. Founded BAFS in 2009 after leading a regional consulting firm. Holds CFP designation and certifications in business valuation.
James Shannon White
EVP/COO
30+ years in commercial lending and bank management with experience overseeing de novo branches and lending operations. Holds MBA and Graduate School of Banking diploma from University of Colorado Boulder.
Steve Martens
SVP/CCO
30-year banking veteran specializing in loan audits and portfolio reviews. Oversees credit administration and compliance standards for $1.7B+ aggregate portfolio across 100+ financial institutions.
Jason Carter
SVP/CIO
20+ years in financial services IT with leadership in developing the BLAST platform. Holds multiple industry certifications and drives technology roadmap strategy for commercial lending solutions.
Kyle Dugas
SVP/CXO
20+ years in client care management with expertise in process improvement and customer experience design. Focuses on proactive client engagement and service optimization for financial institutions.
Questions
What commercial lending services does BAFS offer?
We provide loan origination software, credit administration, document processing, portfolio reviews, and regulatory compliance solutions tailored to financial institutions.
How does the BLAST platform benefit lenders?
Our proprietary system automates workflows, improves compliance, and provides real-time portfolio insights to increase efficiency and reduce risk.
Can BAFS support institutions without lending teams?
Yes, our Alliance package offers full back-office services including loan management, credit administration, and compliance support for institutions without internal teams.
What implementation support is available?
Our onboarding team handles data integration, system setup, and staff training to ensure smooth adoption of our technology and services.
How does BAFS ensure regulatory compliance?
We maintain current policy templates, conduct regular audits, and provide exam assistance to help institutions meet federal and state regulatory requirements.
What markets does BAFS serve?
We support financial institutions nationwide with clients in Louisiana, Texas, California, Florida, and 15+ other states.