Paper applications are no longer accepted.   

Financial professionals requiring a copy of the Securities-Backed Line of Credit application or assistance with submission should contact us at 877.743.4321 or sblocinquiry@thebancorp.com.  

Underwriting & Processing Timelines*

The Bancorp Bank, N.A. (“Bancorp”) is solely responsible for underwriting and credit decisions.

• Credit decisions are typically rendered within 3–5 business days.
• Please allow 10–15 business days for full processing of individual, joint, and trust applications.
• Business entity applications may require up to 30 business days.

If funds are required by a specific date, please advise at the time of submission. Expedited closings may be accommodated when possible.

*Timelines are estimates; actual time may vary depending upon circumstances and information needed to make a credit decision.

Approved Loans

If approved:

• The Lending Team will coordinate directly with the borrower to confirm closing and funding instructions.
• Loan documents are mailed to the borrower with instructions for signature, notarization (if required), and return.
• Upon booking, the borrower will receive separate communications containing login credentials and instructions for accessing their account at www.ftlending.com.

If checks are selected at application:

• Standard check orders and reorders (single or duplicate checks) are provided at no cost.
• Alternate check styles are available with a $15 courtesy discount.
• Checks are generally delivered within 7–14 business days after receipt of executed loan documents.

Statements are produced monthly when there is a loan balance. Click here to view a sample.

Declined Applications

If a loan request is declined:

• Bancorp will notify the borrower directly and issue a written Adverse Action Notice stating the reason(s) for denial.
• Financial Professionals will be informed of the decision; however, regulatory requirements prohibit Bancorp from disclosing specific details.