We support community and regional banks with the technology ecosystem and support they need to thrive today and in the future.

Credit Unions

We help credit unions serve members at their moments of need and on the channel of their choice as their financial lives evolve.

De Novo Banks

We deliver the insight and technology ecosystem that new banks need – from meeting initial business goals to achieving long-term strategic success.

Fintechs

We help fintechs expand their reach and deliver their innovative solutions to a broader financial ecosystem.

Businesses

We empower businesses to expedite payments processing, improve cash flow, and manage financials with industry-leading technology.

See All

Industry Challenges

Playing to Win: Helping Financial Institutions Capitalize on Ecosystem Disruption

People-Inspired Innovation

We are always innovating to help solve for the needs and challenges of people at financial institutions and their accountholders.

Empower Accountholder Financial Health

Protecting your bottom line starts with empowering the financial health of your consumer and business accountholders.

Attract and Grow Commercial Accountholders

Competing for business accountholders in today's environment requires a whole new strategy.

Operate More Efficiently

Improving productivity and operating efficiencies is an industry-wide goal, challenging financial institutions to transform the way they do business.

Overcome Revenue Challenges

There are challenges across the industry impacting financial institutions’ ability to generate and grow traditional sources of revenue.

Reduce Risk and Fraud

Effectively managing enterprise risk has become more complex and challenging than ever.

Improve the Accountholder Experience

Gain new accountholders and avoid expensive attrition by delivering a stellar experience in a competitive landscape.

See All

Is Your Organization's Financial Health Leaving You Vulnerable and At Risk?

Digital Banking

Payments

Operations

Information Security & Technology

Lending

Financial Crimes & Fraud Risk

Commercial Banking

Customer & Member Relationships

Financial Health

See All

Digital Banking

See Overview

Future of Digital Banking

Payments

See Overview

Fintech in a Flash: 11 Big Questions to Help You Develop a Modern Payments Strategy

Operations

See Overview

Success Has a Low Efficiency Ratio

Information Security & Technology

See Overview

Information Security and Risk Management: Trends and Threats

Lending

See Overview

All-Digital Lending Capabilities | Multiple Loan Types

Financial Crimes & Fraud Risk

Financial Crimes

See Overview

Meet Jack Henry Financial Crimes Defender

Commercial Banking

See Overview

The Really Big Small Business Opportunity

Customer & Member Relationships

See Overview

6 Tips for How to Improve the Customer & Member Experience (CX)

Financial Health

Financial Health Solutions

See Overview

7 Things to Improve Your Accountholders' Financial Health

We Are An Advocate for You

Our advocacy of community and regional financial institutions is rooted in the belief that the world is better with you in it.

Our People

People are at the center of everything we do – and it starts with our associates.

Join Jack Henry^™

We are always looking for talented professionals to join our team. Explore open opportunities.

Sustainability

Jack Henry has long incorporated a commitment to corporate sustainability into the way we do business. Learn about our priorities.

Investor Relations

We are dedicated to our stakeholders and delivering a strong return on investment and long-term sustainability for our business model.

See All

Our Purpose and Mission

Resource Hub

Find everything you may need to support your financial institution.

Blog

Stay on top of industry trends with insights from authors who are well-versed on the inner workings of the fintech industry.

The Strategic Case for Financial Health

Banks

We support community and regional banks with the technology ecosystem and support they need to thrive today and in the future.

Credit Unions

We help credit unions serve members at their moments of need and on the channel of their choice as their financial lives evolve.

De Novo Banks

We deliver the insight and technology ecosystem that new banks need – from meeting initial business goals to achieving long-term strategic success.

Fintechs

We help fintechs expand their reach and deliver their innovative solutions to a broader financial ecosystem.

Businesses

We empower businesses to expedite payments processing, improve cash flow, and manage financials with industry-leading technology.

See All

Industry Challenges

Playing to Win: Helping Financial Institutions Capitalize on Ecosystem Disruption

People-Inspired Innovation

We are always innovating to help solve for the needs and challenges of people at financial institutions and their accountholders.

Empower Accountholder Financial Health

Protecting your bottom line starts with empowering the financial health of your consumer and business accountholders.

Attract and Grow Commercial Accountholders

Competing for business accountholders in today's environment requires a whole new strategy.

Operate More Efficiently

Improving productivity and operating efficiencies is an industry-wide goal, challenging financial institutions to transform the way they do business.

Overcome Revenue Challenges

There are challenges across the industry impacting financial institutions’ ability to generate and grow traditional sources of revenue.

Reduce Risk and Fraud

Effectively managing enterprise risk has become more complex and challenging than ever.

Improve the Accountholder Experience

Gain new accountholders and avoid expensive attrition by delivering a stellar experience in a competitive landscape.

See All

Is Your Organization's Financial Health Leaving You Vulnerable and At Risk?

Digital Banking

Payments

Operations

Information Security & Technology

Lending

Financial Crimes & Fraud Risk

Commercial Banking

Customer & Member Relationships

Financial Health

See All

We Are An Advocate for You

Our advocacy of community and regional financial institutions is rooted in the belief that the world is better with you in it.

Our People

People are at the center of everything we do – and it starts with our associates.

Join Jack Henry^™

We are always looking for talented professionals to join our team. Explore open opportunities.

Sustainability

Jack Henry has long incorporated a commitment to corporate sustainability into the way we do business. Learn about our priorities.

Investor Relations

We are dedicated to our stakeholders and delivering a strong return on investment and long-term sustainability for our business model.

See All

Our Purpose and Mission

Resource Hub

Find everything you may need to support your financial institution.

Blog

Stay on top of industry trends with insights from authors who are well-versed on the inner workings of the fintech industry.

The Strategic Case for Financial Health

Digital Banking

See Overview

Future of Digital Banking

Payments

See Overview

Fintech in a Flash: 11 Big Questions to Help You Develop a Modern Payments Strategy

Operations

See Overview

Success Has a Low Efficiency Ratio

Information Security & Technology

See Overview

Information Security and Risk Management: Trends and Threats

Lending

See Overview

All-Digital Lending Capabilities | Multiple Loan Types

Financial Crimes & Fraud Risk

Financial Crimes

See Overview

Meet Jack Henry Financial Crimes Defender

Commercial Banking

See Overview

The Really Big Small Business Opportunity

Customer & Member Relationships

See Overview

6 Tips for How to Improve the Customer & Member Experience (CX)

Financial Health

Financial Health Solutions

See Overview

7 Things to Improve Your Accountholders' Financial Health

Article

3 keys to winning more small business loans

A faster migration to digital can help you better cater to SMBs while protecting margins.

JH-Lending-Article-3KeysSMBLoans-RDPImage-1420x900

Borrowing is a lifeline for many small and medium-size businesses (SMBs), enabling them to grow, invest in equipment, hire employees, and manage cash flow.

Small business financial health is not just important to owners and their employees, but also to the bottom line of the credit unions that serve them. Healthy businesses are better borrowers and spenders. When businesses survive long enough to thrive, they grow to use more banking and payments products.

Furthermore, when businesses succeed, this generally makes them more attractive personal banking accountholders, as well.

While the number of small business applicants has quadrupled since 2019¹, the percentage of SMB applicants who received the full amount of funding they applied for has decreased by more than 20%, even with 57% of small businesses applying for less than $100,000.²

With this in mind, how can you help small businesses in your community access the financing they need, profitably? Keep these three insights top of mind next time you receive an SMB loan request:

You know the markets your SMB members serve. You can leverage that knowledge to mitigate credit risk and offer more attractive financing to SMBs – helping you reclaim lost market share.
Retool and accelerate your digital lending experiences to reach the SMB market. Digital tools provide the automation you need to deliver the quick loan options today’s on-the-go businesses expect – empowering you to meet their needs quickly with a fresh user experience.
A true end-to-end digital loan origination platform can help you originate more profitable loans, speed up your process, and offer better service at a lower cost. Lending technology provides a way to handle these smaller transactions more efficiently and collaborate with SMBs as that seed grows into a more profitable, long-term relationship.

A faster migration to digital can help you better cater to SMBs while protecting margins on digital lending products. Decisions on individual loan applications can be made in a matter of minutes, significantly impacting your bottom line. For example:

Higher conversion rates and increased margins can boost revenues between 10% and 15%.³
Digitizing the borrower journey and touch-time reductions can yield operational efficiency gains between 20% and 30%.⁴
Enhancing risk models and making decisions in more consistent ways can reduce your risk of nonperforming loans (NPLs) between 10% and 25%.⁵

While the challenging economic environment we live in combined with stiff competition from fintechs, big techs, and neobanks is reducing interest income for lenders, cost efficiencies gained by end-to-end digital lending technology can help you improve profitability and boost your bottom line.

Use this checklist to help you evaluate your system’s readiness to meet the demands of today’s busy, tech-savvy business borrowers.