About Us

Jellum Consulting, LLC supports all aspects of U.S. Small Business Administration (“SBA”) 7(a) and 504 lending program compliance, with a focus on accuracy, consistency, and adherence to applicable federal regulations and SBA Standard Operating Procedures (“SOP”).

Our leadership team brings nationally recognized subject matter expertise in SBA Loan Program Requirements, SOPs, and lender oversight. We provide targeted training to industry participants on key regulatory requirements, including 13 CFR §103 and §120, ensuring a deep and practical understanding of SBA lending compliance. Our review services cover all stages of the loan lifecycle, including origination, underwriting, closing, disbursement, servicing, liquidation, and litigation. 

We bring a process-driven approach that supports quality, security, and timely delivery. Our work assists in strengthening compliance, identifying risks, and supporting SBA program integrity.  

Additionally, we partner with other industry leaders to provide an unparalleled team of experts.

SBA Compliance and Loan Reviews

We conduct rigorous SBA 7(a) and 504 compliance loan file reviews (including Spanish-language documents), compliance assessments and exceptions, and portfolio risk analysis to ensure lender adherence to SBA SOPs, Code of Federal Regulations (“CFR”) and other applicable program guidelines.

Our team consists of SBA lending professionals with several decades of combined experience with, and understanding of, SBA forms, underwriting and credit memos, loan origination and closing documents, disbursements, servicing actions, liquidation and litigation activities, and increased supervision processes.

Our comprehensive loan file reviews cover the entire SBA loan cycle:

  • Origination Reviews - Application through final disbursement

  • Servicing Reviews - Post-disbursement servicing compliance

  • Liquidation Reviews - Pre- and post-transfer liquidation activities

  • Targeted/Partial Reviews - Focused compliance testing

  • Forensic Reviews - Investigations into fraud, waste, and abuse

Following the comprehensive loan file reviews, we provide complete, auditable reports that help identify deficiencies and solutions, and ensure compliance.

Our team members receive ongoing SBA program training to maintain the subject-matter expertise necessary to conduct complex SBA 7(a) and 504 compliance loan reviews.

Complex Investigation

We partner with a top 100 Accounting Firm in the United States whose professionals hold extensive experience leading complex financial and compliance investigations.

The firm conducts SBA loan file reviews consistent with the practices utilized by various federal banking regulators, including detailed financial modeling, thorough forensic reviews and investigations into suspected SBA program fraud.

Technology Capabilities

Jellum is teamed with a global AI-led professional services firm to provide efficient and rigorous loan review capabilities, Management Workflow Systems (MWS), report-generation, and analytics.

We also partner with a technology firm to integrate a secure virtual data room and document collaboration, customer relationship management (CRM), and workflow automation tools.

Our systems protect Personally Identifiable Information (PII), ensure confidentiality, integrity, and availability of data, comply with federal information security requirements, and support audit and oversight access.

Why Clients Choose Us

  • Proven SBA loan review and compliance expertise.

  • Thorough understanding of SBA oversight requirements.

  • Secure technology platforms and workflow discipline.

  • Clear communication with clients regarding exceptions and risk analysis to enhance processes and procedures.

  • Capacity to scale for varying SBA loan compliance review volumes and complexity.

  • Maintain a formal Quality Control (QC) framework to ensure accuracy and completeness of all deliverables and continuous process improvements.

We provide customized training and education to SBA loan program participants, regularly teaching all aspects of SBA loan origination, servicing, liquidation, SOP and regulatory compliance, and risk management.

SBA Loan Program Training

Contact Us

Interested in working together? Fill out some info and we will be in touch shortly. We can’t wait to hear from you!