SBA Loan Package Analyzer
Analyze SBA loan packages for compliance and risk before submission
What You Can Do
You can upload complete SBA loan packages and receive a detailed analysis covering compliance with current SBA guidelines (7(a), 504, Microloan, Express), identification of missing documentation, assessment of borrower creditworthiness, collateral adequacy, personal guarantee structures, and risk flagging. This skill accelerates pre-submission review, reduces SBA rejections, and documents your due diligence for audit purposes.
Features
Verify all required documents present (financial statements, personal guarantees, collateral documentation, business plan, tax returns, credit reports)
Validate package against current SBA lending program guidelines and regulatory requirements for your loan type
Identify missing or incomplete items with specific remediation steps before SBA submission
Review collateral type, valuation, and SBA lien position requirements to ensure adequate security
Analyze debt service capacity, credit history, and personal net worth based on submitted financials
Highlight red flags such as undisclosed liabilities, inconsistent financial statements, industry concerns, or concentration risk
Verify personal guarantees are properly structured and guarantor financial capacity is documented
Receive a summary assessment of package strength and likelihood of SBA approval
Example Output
Package Review Summary
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✅ Completeness: 92% — 23 of 25 required documents present
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❌ Missing Items:
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Personal financial statement for guarantor (dated 2021) — must be current within 90 days
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Updated business tax return (2023) — only 2022 return provided
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⚠️ Compliance Issues:
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Debt Service Coverage Ratio: 1.15x (SBA requires minimum 1.25x for 7(a) loans)
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Guarantor personal net worth: $385,000 (adequately supports $500k loan guarantee)
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Collateral: Equipment valued at $420k with first lien position—meets 80% coverage requirement
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🚩 Risk Factors Flagged:
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Business in Year 2 of operations (startup risk category)
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15% revenue decline YoY in current year (requires explanation)
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Owner has prior business closure (2019)—mitigation provided in narrative
Recommendation: Request updated personal financial statements and 2023 tax return before SBA submission. Obtain written explanation for revenue decline. Current debt service coverage below threshold—may require either additional collateral or reduced loan request.
Submission Readiness: Ready pending 3 minor documentation items (1-2 weeks to cure)
What's Included
- SKILL.md: Complete SBA package analysis workflow and guidelines
- SBA Compliance Checklist: Full documentation requirements for 7(a), 504, Microloan, and Express programs
- Package Review Template: Structured framework for completeness, compliance, collateral, and risk assessment
- Risk Flag Reference Guide: Common red flags and recommended remediation steps
- Debt Service Calculation Worksheet: DSCR and cash flow analysis framework
Who It's For
- SBA loan officers — reviewing packages before official SBA submission to reduce rejections
- Loan processors — validating completeness and compliance of assembled packages
- Bank compliance officers — documenting due diligence and regulatory adherence
- Loan portfolio managers — training new staff on SBA package requirements and standards
- Credit analysts — identifying credit and collateral adequacy issues early in review process
Best For
- Pre-submission SBA package audits for 7(a), 504, Microloan, or Express loans
- Documentation gap identification and remediation planning
- Compliance verification against current SBA lending guidelines
- Risk assessment and flagging before official SBA review
- Collateral and personal guarantee validation
- Staff training on SBA package completeness standards
- Due diligence documentation for file audit trails
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