SBA-readyon day one.
Start from a built-in SBA loan template covering business details, use of funds, beneficial owners, eligibility questions and certification. Then verify the business and its cash flow before an underwriter opens the file.
Book a demoKnow the businessbefore you read the file.
Secretary of State status, TIN match, UCC liens and watchlist screening run as soon as the application is submitted, next to a cash-flow read of the bank account. Your underwriter opens a file that is already checked.
One file, start to finish.Nobody re-keys a thing.
- Eligibility
13 eligibility & disclosure questions, built in.
Affiliates, delinquent federal debt, other businesses owned, exports, packaging fees: the borrower answers them in the application, and a “Yes” can route the file to review with the details attached.
6 · Eligibility & disclosure questions13 questions2. Is the Applicant, any Associate or Affiliate currently delinquent on any federal debt?No3. Is the Applicant or any owner an owner of any other business?Yes · 1 attached5. Are any of the Applicant’s products or services exported?No6. Has the Applicant paid a fee to a third party to prepare the application?No - Underwrite
The credit memo, already assembled.
Cash flow, business credit, owners and collateral come together in one decision view, with the rule results that got the file here.
APP-5521 · $350,000 · 10 yr · equipment & working capitalDSCR1.31×Business credit618Collateral LTV64%Guarantors311 rules passed · 1 referred: time in business < 3 yrsOpen decision → - Price
Your rate sheet, versioned.
Set the spread over Prime by loan size and term in a pricing table, and publish a new version whenever your rate sheet changes.
SBA 7(a) spread tableExample · v4 liveLoan size ≤ 7 years > 7 years Up to $50,000 Prime + 6.50% Prime + 6.75% $50,001 – $250,000 Prime + 6.00% Prime + 6.25% $250,001 – $350,000 Prime + 4.50% Prime + 4.75% Over $350,000 Prime + 3.00% Prime + 3.25% - Close
Every document, tracked to signed.
Request what’s missing, read uploads with Doc AI, and send the note and guarantees for e-signature from your templates.
2024 business tax returnVerifiedEquipment quote · HobartVerifiedPromissory noteSigned by 1 of 2Personal guarantee · Jon AlvarezRequested - ARC AI · Act
Chase the last signature in one sentence.
Tell ARC what the file needs. It drafts the email from your template and the stage change, then waits for you to confirm each one.
Ask Jon for his guarantee and move this to Docs requested.Email Jon Alvarez · “Signature request”Personal guarantee · e-sign link includedConfirmStage · Underwriting → Docs requestedLogged in the application’s historyConfirm
Yes. A built-in SBA loan template covers the applicant business, address and contacts, jobs and use of funds, ownership and beneficial owners, optional demographics, 13 eligibility and disclosure questions, and certification. You can edit any of it.
