creating business lending solutions


lending partners


loans managed


For over 30-years PCFS Solutions has been a leader in delivering commercial lending software solutions with the industry’s only integrated, end-to-end business lending platform. PCFS Solutions provides a complete and streamlined prospect to payoff commercial lending software solution. Our unique platform solves many challenges that commercial lenders face improving efficiency, risk management and compliance. Our distinctive accounting logic, workflow design and automated report/document processing differentiates us above the competition. Whether you have a large or small lending portfolio, PCFS Solutions can cost-effectively scale our solution to meet your growth needs



PCFS Solutions is proud to serve over 400 lenders across the commercial lending market. In fact, 25% of the top SBA lenders partner with us. Our customers include banks, credit unions, loan service providers, credit union service organizations, community development financial institutions and other non-bank commercial lenders. Our platform is a trusted resource that manages well over 700,000 loans for our partners.


One Revolutionary Idea and Two Talented Friends
The PCFS Solutions story begins in 1983, when PC Financial Systems, (as the company was first known) was formed by Robert Cota and Dennis McGuire. Robert Cota, a seasoned commercial banker, had been engaged in the SBA lending field since 1971. He is an expert in the loan servicing requirements, for which lenders are responsible, and he recognized that mainframe systems were unable to provide a comprehensive solution for lenders. Dennis McGuire, Robert’s long-time friend, had been programming and designing automated business systems since 1968. Mr. McGuire’s experience includes programming, developing software systems for the Air Force, as well as in his own entrepreneurial business. After joining forces, Robert launched a revolutionary concept and Dennis developed the software, and together, they create our first product, named the SBA Loan Manager.

Both Industry-Specific and Cross-Industry Experience
During the first few years of operation, while the new business was gaining its footing, the principals were also engaged in other business activities. In addition to PC Financial Systems, Robert Cota had offices in Orange, California where he devoted his efforts to SBA loan consulting, and Dennis McGuire’s offices were in Pomona, California where he serviced other business software clients.

From Humble Beginnings to a Successful Enterprise
By the latter part of 1994, PC Financial Systems and its products become so successful that the principals recognized that the firm needed closer coordination in customer and marketing support, product development, and administration of the business’s activities. Shortly thereafter, Kevin Danker joined the firm and brought with him many years of banking experience and a very strong loan operations background. In addition, he had also worked in the computer services industry, dealing almost exclusively with banking clients. Kevin’s well-rounded computer system and loan operations background are important factors in his immediate success in the SBA loan servicing software market.

Expansion of the Enterprise and Comprehensive Solutions
1998 was a pivotal year for PC Financial Systems and added a new level of sophistication. Other developments include building a more comprehensive line of products and services to offer to our clients including the development of loan origination systems, SBA Form.Wrx and Credit.Wrx, which address the lenders’ pre-funding needs. As the company expanded the lines of solutions that it offers our design included easy integration with one another by sharing one database. This enables them to operate as one complete system or as stand-alone application.

By 2013, PC Financial Systems becomes PCFS Solutions and launches Special Assets Manager (SAM) which addresses the specialized needs which must be addressed during the workout and liquidation phase of lending. These products and services showcase the continuation of our integrated, end-to-end business lending platform.

Our Partnership Promise for the Future
For more than 30 years, our company’s energy, resources and passion remain focused on developing innovative high-quality lending solutions that streamline the lending process through automated efficiency that simplify business lending and servicing processes. Our systems are designed and supported by our own in-house technical experts in San Diego, California, and we provide dedicated live customer support before and after your software is installed. In addition, we provide timely software updates to meet the needs of the ever-evolving lending regulations. With the development and integration of BizLendPro, Loan Manager and SAM, we have created the industry’s only end-to-end business lending solution. We continue to look across the entire business lending process to find opportunities to add value, such as our latest solutions, BizLendPro and Servicing Portal both products are Hosted Web Solutions with many future Enhancements planned to help Lenders Process, Service and Analyze their Commercial Lending Portfolios. We are committed to continuing to develop products and services of quality, innovation, and richness of features to create smarter solutions for smarter lending, and smarter business for you.

PCFS Solutions platform connects the people, data and processes for cost-effective business lending.