By Kerry Ronquillo, Senior Director of Business Development at Suntell
If I had a dollar for every time I heard, “We’ll look at a system like this when we grow,” I would be ready to retire.
But here’s what usually happens: They do grow. Then things get chaotic. Then they realize they need a system—but now it’s a bigger project, more expensive, and ten times harder to implement.
So let me offer a different mindset: Start small. Scale smart.
You Don’t Have to Build the Whole House on Day One
When we talk about implementing a Loan Origination System, a lot of folks immediately picture a six-month, all-hands-on-deck, break-the-bank kind of deal. That’s not what we do.
At Suntell, we believe in building digital lending solutions in layers:
- Maybe you start with a tax return spreader.
- Then you add automated loan presentations.
- Then a full LOS.
- Then a borrower portal.
Every step builds on the last. And you don’t pay for what you’re not ready for.
I’ve helped institutions roll this out over 18 months, 36 months, even five years. There’s no single right timeline—only what’s right for you.
The Sooner You Start, the Easier It Gets
Here’s the kicker: The system is never more affordable or easier to implement than it is right now.
If you wait until you’re managing $250 million in commercial loans with seven lenders and a mile-long Excel file, you’re not just buying software—you’re fixing a mess. And that means migration, change management, training across the board… It’s do-able, but it’s not painless.
No duplicate processes. No paper trails. No legacy holdovers.
Just clean, smart lending that scales as they do.
The Power of a Clear Roadmap
One of the things I love doing most is helping institutions map out a strategy—whether that’s a 12-month vision or a three-year plan.
That level of flexibility is rare in our space—and it’s what makes Square 1 different. We’re not here to sell you features you won’t use. We’re here to make you more efficient, one smart move at a time.
This Isn’t Just a System. It’s a Long-Term Partner.
When you choose Square 1 Credit Suite, you’re not just choosing software. You’re choosing:
- A team that understands banking and commercial lending.
- A support crew made up of former users and loan officers.
- A product that evolves with your needs.
- A company backed by strong leadership and solid financials—so you know we’re here for the long haul.
And when your regulators ask if you’re ready for growth, digital access, and credit risk oversight, you can confidently say, “Yes.”
Final Thought
If you’ve been waiting for the right time to digitize your commercial lending, let me save you the trouble: it’s now.
Start with the one thing that’s slowing you down the most. We’ll take it from there—step by step, strategy by strategy.
Because building a better lending operation doesn’t start at the top of the mountain.
It starts at Square 1. Want to learn more? Schedule a Demo.
