Our Viewpoints

Our Viewpoint

Banks and Credit Unions Close the Gap in Commercial Lending

March 15, 2017

Things look rough for banks and credit unions when it comes to commercial lending.

On one side, the high costs of regulation have led many traditional financial institutions to step back from commercial lending, especially with loans geared towards small- and medium-sized business borrowers.

On the other side, alternative lenders have moved aggressively into the commercial lending space and, with the advantages of lower overhead, powerful user experiences and easy access to investor funds, have proven to be formidable competitors.

To be sure, some experts see the tide turning for banks and credit unions in commercial lending.

David Boswell, head of new lending products for D+H, says that there is some call for optimism, as rising interest rates and improved technology solutions make traditional financial institutions more competitive while exerting the opposite effect on alternative lenders.

At the same time, there are some problems in commercial lending that technology does NOT solve for many banks and credit unions – these include required changes in the mindsets and business models of these financial institutions.

We had a chance to discuss these opportunities and threats for banks and credit unions with David for the Lending on Call podcast.

Our interview explored:

Hear the complete interview here.

Having trouble playing this file? This interview is also available on SoundCloud.

Learn more about how new technology is supercharging commercial lending at one credit union. Or take a look at D+H’s new Total Lending Small Business solution for commercial lending.


David Zweifler
Leader, Content Marketing - Global Lending Solutions

David Zweifler leads communications for the Global Lending Solutions (GLS) division of D+H, and has more than 20 years of experience in content marketing. David’s career has taken him to Asia and back, and spanned equity research, journalism, and corporate communications. For the last decade, David has worked in-house in financial technology firms ranging from startups to global, publicly listed firms. When David isn’t podcasting, blogging, and talking to reporters, he enjoys cycling, reading, and being outsmarted by his three children.

David Zweifler