SBA Loan Documentation Analyzer
Verify SBA loan applications for compliance and documentation completeness
What You Can Do
This skill systematically reviews multi-document SBA loan applications against program-specific compliance standards. You can cross-reference personal financial statements, tax returns, and business financials for consistency; verify all required forms are present and completed; flag missing collateral documentation; and identify eligibility issues—all before sending applications to the SBA for guarantee review. By catching deficiencies early, you eliminate costly resubmissions and accelerate funding timelines.
Features
verifies presence of all required SBA forms (1919, 1920, 1921, 413) and supporting documents
cross-checks personal and business information against SBA size standards and credit requirements
identifies discrepancies between personal financial statements, tax returns, and loan applications
ensures collateral supporting documents align with loan amount and SBA program type
flags missing or conflicting information across documents before SBA review
validates adherence to SBA 7(a), 504, and Microloan program restrictions and business purpose rules
highlights contradictions between borrower statements, financial documents, and supporting materials
Example Output
Example 1: Documentation Gap Report
✓ Personal Financial Statement (Form 413): Present and dated ✗ Business Tax Returns: 2-year requirement met but missing 2024 YTD financials ✓ Personal Tax Returns: 2022-2024 complete ⚠ Collateral Documentation: UCC search provided, but appraisal report missing for real estate (required for loans >$250K) ✓ Loan application (SBA 1919): Completed Action Required: Request 2024 YTD P&Ls and real estate appraisal before SBA submission
Example 2: Eligibility Alert
Borrower Business Size vs. SBA Standards:
- Stated annual revenue: $1.8M
- Industry: NAICS 448110 (Men's clothing stores)
- SBA size standard for sector: $7.5M ✓ Eligible by size ✓ Borrower ownership ≥51% verified ⚠ 3 of 5 affiliates require review for combined revenue calculation
What's Included
- SKILL.md instruction file with SBA compliance framework:
- SBA loan documentation checklist (7(a), 504, Microloan programs):
- Borrower eligibility verification template:
- Document cross-reference worksheet for consistency checks:
- Compliance gap identification matrix:
Who It's For
- SBA loan officers and credit analysts reviewing applications before submission
- Loan processors managing multi-document SBA packages
- Bank underwriting teams preparing applications for SBA committee review
- Compliance officers verifying adherence to SBA guaranty requirements
- Relationship managers ensuring completeness before sending to SBA
Best For
- Pre-submission SBA loan application reviews
- Documentation completeness verification
- Borrower eligibility cross-checks against SBA standards
- Financial document consistency analysis
- Identification of compliance gaps and missing materials
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