T-Bank achieves 300,000% ROI automating SBA loan applications with RPA

During the COVID-19 SBA Paycheck Protection Program, T-Bank needed to submit as many loan applications as possible before funding ran out. The application website was only intermittently available, and manual form completion took 10–15 minutes per application. Server overloads caused frequent crashes, forcing users to re-enter data repeatedly and wasting critical time.

Flobotics built an attended RPA robot that extracted batch customer data from a CSV file, navigated to the SBA website, and auto-populated loan application forms. The human operator only needed to click 'Submit.' The bot also handled server crashes gracefully by pausing and resuming automatically when the site recovered, eliminating repeated data entry.

The RPA solution reduced application submission time from 10–15 minutes to just 6 seconds per application. Over 200 hours of manual labor were saved daily, enabling more than 1,000 loan applications representing ~$100M in application value and ~$5M in revenue for T-Bank. The entire bot was developed rapidly, generating ROI almost instantly upon deployment.

• RPA can deliver outsized ROI in time-critical, high-volume data-entry scenarios where speed directly translates to revenue.
• Attended automation (bot + human confirmation) is an effective pattern when regulatory compliance requires a human final action.
• Building crash-resilience into bots (auto-pause/resume) is essential when operating on unstable third-party websites.