What is the expected growth rate for CUBI over the next 7-10 years 
ix, right, I mean, presumably for the next year, mortgage warehouse could be high. PPP will still be around -- But as I think as we move into late 2022 and 2023 and beyond, I mean, -- It seems like a lot of -- on the -- and the commercial type stuff seems a little bit more unless some of the fintech partnerships seem a little bit more lending focused -- Is the thought process as we think about it is that the real-time payments initiative and some of the digital small business banking stuff Will that be more of where the kind of hopefully lower cost liability growth comes to fund some of the consumer and other fintech partnerships and geographic expansion on the commercial side that I imagine will drive the seven to 10 asset growth over a multiyear period of time? Or is there other elements that we should be thinking of in terms of kind of how the mix of growth and funding of that growth will evolve once some of these temporary programs like the PPP eventually run their course?
Sam Sidhu -- Vice Chairman, President and Chief Executive Officer
Sure, absolutely. I'll take a stab at that. So from a funding perspective, yes, we do anticipate that some of our digital initiatives should have an ability to help fuel some of our growth. Having said that, we also have strong growth across the franchise from a geographic perspective, including in some of our new geographic markets, which are starting to really move the needle from a funding perspective. And then just to highlight, in the near term, many of the items that we discussed on slide 12 are reasonably balance sheet light, the SBA business is -- it's a combination of retaining a portion and the gain on sale business. The digital SMB business will take some time to ramp up. but the majority sort of uses in the near term we've already guided toward.
Michael Perito -- KBW -- Analyst
And the -- on the -- sorry, was that... [Technical Issues]
Jay S. Sidhu -- Executive Chairman
No, I was just -- I'm sorry. I was just going to add is, Mike here. You know what real-time payments did for Signature and what they did for sublet creation [Technical Issues] as well as new customers, while with new customers, you have to bring on the network altogether. That's -- we would do a soft launch at the end of the third quarter, early fourth quarter and then within 90 days to sort of a more broad launch. So that we can be able to foster those ecosystems quickly and make sure that we're banking them to the best of their -- making sure that the service is the best thing. What I would say is that in parallel, their dedicated teams for business development and sales and relationship management and treasury as well as on the technology project manager infrastructure. So this is a -- it's full steam ahead.
Michael Perito -- KBW -- Analyst
Very helpful. And then just one last one for me. Sorry to keep going here. But just on capital, -- As I think back to the company history, right, I mean, Jay, you guys have always had pretty decent growth. And certainly now just looking at the slide 12, there's no shortage of opportunities for you guys to grow, and it's clearly been a really great 12 to 18 months for Colby and there's been a lot of progress. But just as we think longer term here, what's the right capital ratios to -- for us to think about you guys wanting to run the bank with the growth environment you have? And I guess, it seems like with some of the ROA targets and certainly with the PPP near term, you guys, I would imagine we'll be able to remain well in excess of those targets without any external capital. But just as we think about a growth organization, right? I think the capital piece is really critical. And right now, there's a lot of noise and certainly a lot of benefit from the PPP. But just as we think longer term, out into 2023 and beyond. I mean do you guys have any updated sense of what the right capital ratios or position is for the organization that we should be mindful of?
Jay S. Sidhu -- Executive Chairman
[Technical Issues] That's a good -- It's good a Good question. And what I wou
ix, right, I mean, presumably for the next year, mortgage warehouse could be high. PPP will still be around -- But as I think as we move into late 2022 and 2023 and beyond, I mean, -- It seems like a lot of -- on the -- and the commercial type stuff seems a little bit more unless some of the fintech partnerships seem a little bit more lending focused -- Is the thought process as we think about it is that the real-time payments initiative and some of the digital small business banking stuff Will that be more of where the kind of hopefully lower cost liability growth comes to fund some of the consumer and other fintech partnerships and geographic expansion on the commercial side that I imagine will drive the seven to 10 asset growth over a multiyear period of time? Or is there other elements that we should be thinking of in terms of kind of how the mix of growth and funding of that growth will evolve once some of these temporary programs like the PPP eventually run their course?
Sam Sidhu -- Vice Chairman, President and Chief Executive Officer
Sure, absolutely. I'll take a stab at that. So from a funding perspective, yes, we do anticipate that some of our digital initiatives should have an ability to help fuel some of our growth. Having said that, we also have strong growth across the franchise from a geographic perspective, including in some of our new geographic markets, which are starting to really move the needle from a funding perspective. And then just to highlight, in the near term, many of the items that we discussed on slide 12 are reasonably balance sheet light, the SBA business is -- it's a combination of retaining a portion and the gain on sale business. The digital SMB business will take some time to ramp up. but the majority sort of uses in the near term we've already guided toward.
Michael Perito -- KBW -- Analyst
And the -- on the -- sorry, was that... [Technical Issues]
Jay S. Sidhu -- Executive Chairman
 No, I was just -- I'm sorry. I was just going to add is, Mike here. You know what real-time payments did for Signature and what they did for sublet creation [Technical Issues] as well as new customers, while with new customers, you have to bring on the network altogether. That's -- we would do a soft launch at the end of the third quarter, early fourth quarter and then within 90 days to sort of a more broad launch. So that we can be able to foster those ecosystems quickly and make sure that we're banking them to the best of their -- making sure that the service is the best thing. What I would say is that in parallel, their dedicated teams for business development and sales and relationship management and treasury as well as on the technology project manager infrastructure. So this is a -- it's full steam ahead.
Michael Perito -- KBW -- Analyst
Very helpful. And then just one last one for me. Sorry to keep going here. But just on capital, -- As I think back to the company history, right, I mean, Jay, you guys have always had pretty decent growth. And certainly now just looking at the slide 12, there's no shortage of opportunities for you guys to grow, and it's clearly been a really great 12 to 18 months for Colby and there's been a lot of progress. But just as we think longer term here, what's the right capital ratios to -- for us to think about you guys wanting to run the bank with the growth environment you have? And I guess, it seems like with some of the ROA targets and certainly with the PPP near term, you guys, I would imagine we'll be able to remain well in excess of those targets without any external capital. But just as we think about a growth organization, right? I think the capital piece is really critical. And right now, there's a lot of noise and certainly a lot of benefit from the PPP. But just as we think longer term, out into 2023 and beyond. I mean do you guys have any updated sense of what the right capital ratios or position is for the organization that we should be mindful of?
Jay S. Sidhu -- Executive Chairman
[Technical Issues] That's a good -- It's good a Good question. And what I wou