Biz2X, a global SaaS lending platform that powers billions of dollars in small and mid-sized business loan originations, has announced an expanded partnership with Central Pacific Bank . As part of the next phase of its digital lending transformation, CPB will deepen its use of the Biz2X platform to modernize and scale its small and mid-sized business lending operations.
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CPB initially adopted Biz2X to support its SBA lending program. Recognizing the platform’s flexibility and automation capabilities, the bank has since expanded its use to power non-SBA small and mid-sized business loan products, while continuing to leverage SBA-ready workflows. This evolution allows CPB to support a broader range of business borrowers without sacrificing speed, accuracy, or compliance.
According to Ryan LaMountain, Biz2X has played a key role in elevating CPB’s already strong customer service. By introducing greater automation and intelligence into the lending process, the platform has helped CPB deliver faster decisions and a more seamless experience for its SMB customers.
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The expanded partnership replaces CPB’s legacy lending workflows with a modern, cloud-based lending engine. Biz2X enables fully configurable workflows by product and sub-product, allowing the bank to approve, decline, or issue counteroffers with greater efficiency and precision. The result is improved performance across the entire loan lifecycle, from intake and underwriting to closing and servicing.
By integrating Biz2X, CPB has introduced a new level of automation into its SMB lending programs. Intelligent decisioning reduces manual bottlenecks, while automated tax return spreading significantly accelerates underwriting and minimizes manual review. Streamlined digital workflows also simplify documentation and electronic signing, allowing bankers to spend more time building relationships rather than managing administrative tasks.
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The Biz2X platform further strengthens CPB’s ecosystem through seamless integrations with key industry solutions, including LaserPro and FICO LiquidCredit. These integrations create a more cohesive experience for both internal teams and borrowers, while supporting faster, more informed credit decisions.
Built on a cloud-native, automation-first architecture, Biz2X gives financial institutions like CPB the confidence to modernize and scale their credit delivery. Borrowers benefit from a device-agnostic digital application experience, while CPB gains configurable underwriting and decisioning tools aligned with its credit policies. Embedded compliance workflows, audit trails, and real-time analytics further enhance risk oversight and regulatory readiness.
LaMountain noted that while CPB’s journey began with SBA lending, the bank quickly realized the broader potential of the Biz2X platform. Today, it enables CPB to expand its product portfolio, streamline loan decisioning, and deliver a significantly improved borrower experience across both SBA and non-SBA lending programs.
Looking ahead, CPB and Biz2X plan to continue collaborating to optimize credit-related workflows and expand product capabilities. The shared goal is to provide small and mid-sized businesses with faster, more reliable, and intelligently automated access to capital—setting a new benchmark for efficiency and accessibility in SMB lending.
Rohit Arora emphasized that CPB’s approach demonstrates what’s possible when banks embrace modern lending infrastructure. By expanding its use of Biz2X, CPB is building a scalable lending engine that delivers smarter decisions, faster outcomes, and exceptional experiences for small businesses across Hawaii and beyond.
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