小企业局上线iCAP贷款新平台：250多家贷款机构试用、已处理2,000笔贷款
美国小企业局（SBA）宣布推出新的智能资本准入平台（iCAP），这是一个集贷款发放、处理与管理于一体的新平台，旨在让小企业局的贷款办理更快、更简便、更安全，取代包括 ETRAN 与资本准入金融系统（CAFS）在内沿用多年、彼此割裂的旧软件。
小企业局局长 Kelly Loeffler 表示，该局受托为数以十亿美元计的小企业贷款提供担保，如今要给数以千计的银行合作伙伴配上符合现代金融机构要求的科技与风险管理工具，用动态、一体化的系统替代 PDF、成堆的纸质文件与不确定性，加快贷款审核、防范欺诈。
新平台经 lender.sba.gov 使用，主要功能包括：申请信息实时校验，自动标出缺失或不一致的内容；数据一次录入、自动填充相关栏目；申请字段与材料要求随贷款类型动态调整；贷款机构与小企业局审核人员在同一界面协同并在应用内沟通；申请进度全程可视；以及前置的欺诈与资格筛查。
据小企业局介绍，iCAP 上线前经过六个月试点，迄今已有 250 多家贷款机构加入平台、处理了 2,000 笔贷款。该局将分阶段推进：新的 7(a) 贷款发放应用程序接口（API）定于 2026 年 12 月投产，贷款机构须在 2027 年 6 月前完成从 ETRAN 发放接口的迁移；到 2027 年 1 月 1 日，全部贷款机构都可在 iCAP 上发放贷款。平台路线图还包括把 504 贷款的发放、服务与清算纳入 iCAP。（来源：美国小企业局）
SBA Launches iCAP Lending Platform: Piloted by 250-Plus Lenders, 2,000 Loans Processed
The U.S. Small Business Administration (SBA) has announced the Intelligent Capital Access Platform (iCAP), a modern origination, processing and management platform designed to make SBA lending faster, simpler and more secure, replacing fragmented, decades-old software including ETRAN and the Capital Access Financial System (CAFS).
“As an agency entrusted with backing billions of dollars in small business loans, we're offering our thousands of banking partners the technology and risk management tools consistent with the demands of a modern financial institution,” said SBA Administrator Kelly Loeffler, adding that iCAP replaces manual workflows with modern technology that accelerates loan review and stops fraud.
Available through lender.sba.gov, iCAP offers real-time application validation that flags missing or inconsistent information, single-entry data capture that populates related sections automatically, dynamic requirements that adjust to loan type and transaction details, integrated review and in-app communication between lenders and SBA reviewers, full transaction visibility, and embedded fraud and eligibility screening.
The launch follows a six-month pilot; to date, more than 250 lenders have joined the platform, processing 2,000 loans. The new 7(a) origination API is scheduled to become available in production in December 2026, with migration from the ETRAN origination interface required by June 2027, and all lenders will have access to loan origination in iCAP by January 1, 2027. The roadmap also includes adding 504 origination, servicing and liquidation to iCAP. (Source: U.S. Small Business Administration)
来源：美国小企业局
发布：GSM·美国（发布链接）
图片来源：图：北美主街小企业店铺街景（资料图，摄于加拿大 Stratford）。照片：Chris Woodrich 摄，CC BY-SA 4.0，经维基共享资源。 / Photo: Small-business storefronts on a North American main street (file photo, Stratford, Ontario). Photo by Chris Woodrich, CC BY-SA 4.0, via Wikimedia Commons.
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