Company description:

Since 2001, BHG has been the #1 source for high-quality loans across the country, originating more than $17 Billion in loan solutions to top-quality borrowers. There have been many memorable milestones over the years, but one that we are most proud of, is our ability to partner with over 1600 banks who have never taken a single dollar loss on our Core Loan portfolio. 

Through constant investment in our analytical and quantitative abilities, BHG has been able to refine the loans available for purchase to consistently be what we consider the best credit loans available in the nation. Our program allows for banks to create diversification of their portfolio and add high quality loans with strong yields with minimal effort or expense. The credit enhancements offered with our loans make this program second to none.

Banks find partnering with BHG to be a very simple and hassle-free process and those that choose to work with us are able to log onto our Loan Hub, review all the entire credit package for each individual loan and loan portfolio available for sale before deciding to purchase a loan. We format the loan files in an easy to review manner allowing an efficient review process and many banks report that in a few minutes daily they can come on, find loans that fit what they want to purchase and buy them. We offer commercial and consumer loans allowing our bank partners a huge selection of credit options and loan sizes to purchase. 

Aside from the incredible commercial and consumer loan offerings, BHG provides additional tools to our community bank partners to let them thrive in this ever changing landscape. Our white labeled digital lending platform allows banks to lend to their customers on demand, our compliance programs keep banks safe and ahead of the regulatory obstacles that banks face. We have partnerships in online banking and KYC/CIP/Fraud prevent tools that protect our banks. Our credit card program, sba loan program, and merchant point of sale lending all offer tools for banks to better support their communities and grow their technological abilities without over investing in the development of these platforms. 

Our success is really a byproduct of our strong borrowers and our bank partners who help us expand into the market. Those factors have landed us consistently in national publications for being a fastest growing company and for the culture of service, quality and success that we have built. 

In 2016, Pinnacle Bank of Nashville, TN (~38BB Total Assets) purchased a second slice of BHG, bringing their investment to 49% ownership of our company. The company is still driven by the vision and innovation of our founders Al and Eric with a strong focus on innovation, data/risk management, culture, and concierge levels of service to our banks and borrowers. My role at the company is to expand our bank network and build the brand as we have with every bank before us, through personal connections, the highest level of service possible and daily interactions with the local bankers. It is an honor to have the WBA give us the distinction of being an Endorsed Vendor and I am looking forward to spending time in Wyoming meeting with all of you and working together.

Look forward to meeting all of the great bankers in Wyoming, getting to know you all better and enjoying the great hospitality in the state!

BHG Financial – www.BHGBank.Network/WY

Rachel Varillas

Institutional Relationships Associate   

BHG Financial

201 Solar St.,

Syracuse, NY 13204

(315) 362-4521

rvarillas@bhg-inc.com