Newtek Small Business Finance to Use Edgeware Analytics' Small Business Credit Score to Improve Loan Approval Speed and

SAN DIEGO, CA, Feb 13 (MARKET WIRE) --
Edgeware Analytics, Inc., an innovative provider of profitability tools for
business lenders, has announced today that Newtek Small Business Finance, a
unit of Newtek Business Services, Inc (NASDAQ: NEWT), is relying on the
ScoreEdge(TM) small business loan decision model to improve origination speed
and accuracy.

ScoreEdge(TM) is an online, real-time decision tool that provides greater
insight
into the risk of loan approvals. Edgeware Analytics developed the
statistical model by analyzing hundreds of thousands of SBA and conventional
loans. ScoreEdge(TM) examines the same application time data available to the
loan officer and returns a three-digit score that helps predict the loan's
future performance. Newtek deploys ScoreEdge(TM) early in the loan application
process to expedite the most credit-worthy borrowers for rapid and accurate
approvals.

"Newtek acquires the vast majority of its clients through its alliance
partnerships with leading financial institutions including Merrill Lynch, AIG
and Morgan Stanley, as well as trade associations such as The Credit Union
National Association (CUNA), among others," said Peter Downs, president of
Newtek Small Business Finance. "With Newtek's goal of becoming the company
small- and medium-sized businesses choose for all of their business services
needs, we continually strive to enhance the overall value we provide to these
clients. As a result, we have chosen Edgeware's ScoreEdge(TM) to assist with
our
loan origination process. We expect this product will enhance our loan
underwriting procedures by not only providing an additional layer of risk
assessment to our loan origination decision-making process, but also will enable
us
to deliver loan origination decisions more quickly to our borrowers."

"Newtek Small Business Finance is one of the nation's leading small business
lenders providing clients with a full suite of financing options including
SBA-guaranteed loans," said Mike Rozman, president of Edgeware Analytics, Inc.
"Newtek is a technologically savvy finance company with a highly successful
alliance network, and we are proud that Newtek has selected and deployed
ScoreEdge(TM) into their origination process."

About Edgeware Analytics, Inc.

Edgeware Analytics, Inc., an innovative provider of customized and generic
profitability tools to lenders, combines expertise in statistical modeling and
credit evaluation to create profit-enhancing predictive models and systems.
Used by national lenders, certified development companies, credit unions and
community banks; Edgeware's ScoreEdge(TM), ScoreEdge504(TM), RiskRate(TM) and
Oscore(TM)
products, work in conjunction with a lender's established underwriting
procedures
to measurably improve the accuracy of small business credit approvals.
Edgeware's Small Business Loan Exchange(TM) is an on-line forum connecting
small business lenders with deals not fitting their lending criteria to
lenders seeking available deals. Additional information can be found at:
www.EdgewareAnalytics.com.

About Newtek Business Services, Inc.

Newtek Business Services, Inc. is a direct distributor to the small-to
medium-sized business market under the Newtek(TM) brand. According to
theU.S. Small Business Administration, there are over 26.8 million small
businesses in the United States, which in total represent 99.7 percent of
all employer firms, generate 60 to 80 percent of all new jobs annually and
create more than 50 percent of non-farm private gross domestic GDP. Since
1999, Newtek has helped these business owners realize their potential by
providing them with the essential tools needed to manage and grow their
businesses. Newtek focuses on providing its over 84,000 business accounts with
access to financial, management and technological resources that enable them
to better grow and compete in today's marketplace.

-- Business Lending: Business loans to start up, acquire, or expand a
business

-- Electronic Payment Processing: Credit card, debit card, check
conversion, and ACH solutions

-- Insurance Services: Nationwide commercial and personal lines of
insurance

-- Outsourced Digital Bookkeeping: Bookkeeping and recordkeeping at a
fraction of the cost of in-house staff

-- Web Hosting: Full service web host including domain registration and
online shopping cart tools

-- Web Design and Development: Customized web design and development
services for a powerful web presence

-- Tax Preparation and Advisory Services: Expert tax planning and
consultation for your business

-- Data Backup, Storage and Retrieval: Fast, secure, off-site data
backup, storage and retrieval

-- Business Plan Preparation: Professional business plan assistance
providing a roadmap for success

-- Payroll: Payroll management processing and employee tax filing

For more information, please visit www.newtekbusinessservices.com.

About Newtek Small Business Finance

Newtek's lending division is a full-service, non-bank business lender that
is
distinguished for its broad array of lending products and customer-friendly
application process. Newtek originates loans ranging from $3,000 to $5 million
to both startup and existing businesses nationwide. Newtek provides
SBA-guaranteed
small business loans, accounts receivable financing, commercial real estate
financing, business lines of credit and business credit cards. Additional
information can be found at:
http://www.newtekbusinessservices.com/business_lending/.

Contacts:
Mike Rozman
President, Edgeware Analytics, Inc.
888-672-6730
Email Contact

or

Jayne L. Cavuoto
Newtek Business Services, Inc.
212-273-8193
Email Contact

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