Since 2001, BHG Financial has facilitated financing of $29B in loans for high‑earning professionals across the United States. The company’s lending model is built on advanced credit analytics and predictive scoring technology designed to assess each borrower’s likelihood of repayment. With strict underwriting standards, only 12% of incoming leads ultimately qualify for funding.
BHG aggregates these high‑quality, easy‑to‑evaluate loans and makes them available for purchase by financial institutions through its online loan delivery platform, the BHG Loan Hub. Through this program, institutional network partners can efficiently add interest‑earning assets to their balance sheets without additional origination expenses. Institutions also benefit from steady cash flow through direct ACH payments from borrowers and the ability to diversify their portfolios with professional loans.
To date, nearly 1,750 banks have participated in BHG’s Loan Program, collectively earning over $2.3B in interest income. The program is structured to be easily communicated to examiners, and BHG provides extensive compliance and regulatory support at no cost to Institutional Network Partners.
BHG is nationally recognized for its growth and workplace culture, including 17 consecutive appearances on the Inc. 5000. The company is headquartered in Fort Lauderdale, FL, and Syracuse, NY, and is 49% owned by Pinnacle Bank (PNFP), an institution with $117 billion in assets.
What issues does BHG Financial help banks solve for:
What products and services does BHG Financial offer banks?
Originations & Facilitated Originations*
Facilitated originations are loans funded by partner banks Pinnacle (TN) and County Bank (DE), with borrowers sourced and underwritten by BHG Financial using each originating bank’s credit criteria. If offered for sale by the originating bank, BHG can elect to purchase these loans to either hold on its balance sheet or distribute through various channels.
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