Yes-Non-Banks can be more flexible and sometimes faster than traditional banks, but not in all cased. Most of the top non-bank SBA lenders are NOT depository institution, but borrow money FROM traditional banks. Most of the top non-bank SBA lenders in the US borrow money from large banks nd super regional banks. Same guys for other NON-BANK finance companies like factors. They also borrow money from bank. That being said, non-banks have rules too......