BHG Financial is transforming the financial industry — leveraging the power of data, analytics, and cutting-edge technology to become the number one source for professional loans and the creator of the largest community bank network in the country.

In 2001, BHG Financial’s founders set out on a mission to provide professionals with a better lending experience — one that was simple, efficient, and catered to their unique needs. Built around the belief that hard work prevails, BHG Financial quickly grew from a team of three to over a thousand, including a specialized group dedicated to working with community banks.

To date, BHG Financial has originated more than
$10 billion in loan solutions to top-quality borrowers. What does a top-quality borrower entail? To BHG Financial, it means the following:

• Weighted average FICO: 736
• Weighted average income: $287,300
• Average loan size: $108,300
• Weighted average years in the industry: 20

These exclusive top-tier loans can be accessed and purchased by community and midsize banks through a state-of-the-art loan delivery platform: the BHG Loan Hub.

By purchasing loans through the company’s proprietary and web-based Loan Hub, community banks can diversify their portfolios and earn interest income. To date, the 1,400+ banks that make up the BHG Bank Network have earned nearly $1 billion in combined interest income on these top-quality professional loans. Since 2001, no bank has ever taken a loss on the BHG Core Loan portfolio.

Building on two decades of innovation, the BHG Bank Network Membership offers a full suite of programs that include the following:

• Commercial and consumer loans — Diversify your portfolio with BHG Financial’s time-tested and proven assets. More than $10MM in top-quality loans are available for purchase daily through the BHG Loan Hub.
• Digital lending — Offer consumer financing to your customers online — with no additional risk on your balance sheet. Tap into BHG Financial for origination and marketing support, and earn 2% immediate revenue off the total funded loan amount.
• SBA 7(a) loan referrals — Earn fee income with ease by referring small business customers to Fund-Ex Solutions Group, BHG Financial’s wholly-owned subsidiary.
• Collection services — Reduce your accounts receivable while protecting your brand. CCMR3 takes an empathetic, consultative approach to collections that is proven to recover revenue.
• Risk management services — Keep your bank ahead of regulatory and compliance changes by tapping into the experience of former regulators from the OCC, CFPB, FDIC, Fed, and more. RMSG provides an affordable suite of services to help your institution control risk.
• Point-of-sale financing — Earn fee income by helping healthcare providers, home improvement contractors, and other merchants in your community grow their businesses with customizable financing tailored to their customers’ needs. Refer your network to NaluPay.

Each of the above solutions was launched to solve a particular need in the financial community, and every service is built to support the growth of banks. Since the company’s launch, BHG Financial has worked hand in hand with financial institutions to help them increase their bottom lines.

BHG Financial is neither a true fintech nor a traditional bank — it embodies the best of both with top-notch data, analytics, technology, marketing, underwriting, compliance, speed, and customer service. This combination has led to BHG Financial originating record volume from today’s high-earning borrowers with top-tier credit scores.

Carving its own niche as a financial quantitative service company, BHG Financial uses quantitative analysis to determine the performance potential of every borrower and the price risk. With data from over $50 billion in underwritten loans, the analytics team has gained unmatched insight into its borrowers’ industries, characteristics, and performance.

Using this enormous amount of data, the analytics team works closely with BHG Financial’s full-service, in-house marketing department to develop highly targeted campaigns. This results in more than 43,000 professionals coming to BHG Financial each month looking for financing. And with BHG Financial, these clients receive a unique combination of loan features. The company provides large amounts, extended terms, fast funding, low monthly payments, and white-glove concierge service.

With record growth year after year, BHG Financial continues to be recognized regionally and nationally, earning a spot on the Inc. 5000 for 14 years running and receiving accolades from Great Place to Work® and Fortune magazine, among others. BHG Financial is 49% owned by Pinnacle Bank (PNFP), a $38.5 billion asset bank, and has headquarters in both Davie, FL and Syracuse, NY.

BHG Financial is constantly motivated to push the limits — and financial institutions — achieve success. As BHG Financial continues to grow as a company, they look forward to partnering with even more banks in the future. Their aim is to consistently build new solutions that support financial institutions as they diligently serve their local communities.