Lending Framework & Compliance
Inflection Financing operates as an institutional commercial lender. Equal Housing Lender. Full regulatory compliance and lending framework details.
Federal Regulatory Status
Inflection Financing is a trade name of the institutional commercial lending division of Inflection Financing. Inflection Financing is a Utah-chartered industrial bank regulated by the FDIC and the Utah Department of Financial Institutions.
SBA Preferred Lender Status
Inflection Financing holds SBA Preferred Lender Program (PLP) status, authorizing in-house final credit decisions on SBA 7(a) loans without requiring external SBA underwriting review. This authority is granted only to lenders with sustained performance, portfolio quality, and program expertise.
Equal Housing Lender
Inflection Financing is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, source of income, disability, or any other prohibited basis under the Equal Credit Opportunity Act (ECOA) or Fair Housing Act.
State Licensure
Inflection Financing originates commercial loans in all 50 U.S. states under Inflection Financing's federal banking authority. Specific state-level commercial licensure is maintained where required.
Data Security
All borrower data is protected with AES-256 encryption at rest and in transit. Bank-API synchronization uses OAuth 2.0 with read-only scopes. SOC 2 Type II controls are maintained across origination, servicing, and data infrastructure.
Disclosures
Lending products are subject to credit approval. Rates, terms, and conditions are subject to change without notice. APRs vary by product, credit profile, and loan size. SBA loans are subject to SBA eligibility requirements and program rules. Read full disclosures.
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