SBA Loan Package Builder
Prepare your SBA 7(a) loan application step by step. Track required documents, fill out SBA forms with guided input, and catch errors before you submit.
Not sure what to include? View a sample packetUnderwriter's path
KYN is helping you answer the questions a lender will ask before they ask them.
The lender starts with cash flow, DSCR, debt, and whether the request is sized to the business.
Every claim should tie to a tax return, bank statement, P&L, balance sheet, contract, invoice, or owner document.
One-time costs, seasonality, owner draws, weak months, credit issues, and unusual deposits should be explained before the lender asks.
How a lender reads this package
Build the packet like an underwriter will review it: prove repayment, prove the owner can stand behind the loan, explain exactly where the money goes, and remove contradictions before a lender finds them.
Repayment capacity
Cash flow, DSCR, tax returns, P&L, balance sheet, debt schedule, and bank statements.
Owner commitment
Personal financial statement, equity injection, credit context, liquidity, and owner experience.
Collateral and fallback
Collateral schedule, property docs, appraisals, lien position, and realistic asset values.
Use of funds
Loan purpose, vendor quotes, project budget, purchase agreement, working-capital plan, or payoff detail.
Consistency
Every name, number, ownership percentage, and date matches across forms, plan, and documents.
How the lender will read this
The goal is not to make a pretty packet. The goal is to remove underwriter doubt: can the business repay, can the owner stand behind it, does the story match the documents, and is the use of funds specific enough to approve.
Repayment capacity
Cash flow, DSCR, tax returns, P&L, balance sheet, debt schedule, and bank statements.
Owner commitment
Personal financial statement, equity injection, credit context, liquidity, and owner experience.
Collateral and fallback
Collateral schedule, property docs, appraisals, lien position, and realistic asset values.
Use of funds
Loan purpose, vendor quotes, project budget, purchase agreement, working-capital plan, or payoff detail.
Consistency
Every name, number, ownership percentage, and date matches across forms, plan, and documents.
What to do next
Full package review unlocks with Know Your Number
You can still review the lender logic above. Uploads, attached business plans, and complete package export unlock with the paid package.
Important
This helps prepare a lender-reviewable package and explains likely underwriting questions. It does not guarantee approval, replace lender requirements, or make a credit decision.