SBA Loan Packaging Expertise You Can Rely On
Executive Element provides SBA 7(a) and 504 loan packaging for lenders, Business Development Officers, and Lender Service Providers, taking each transaction from initial eligibility review to submission of a complete, underwriting-ready package.
​
Each loan package is prepared by a former SBA credit analyst and Business Development Officer with more than 20 years of SBA lending experience. Every file is assembled from the underwriter’s perspective: complete, organized, and designed to minimize follow-up requests from credit.
Prospect Screening
Lenders and BDOs can refer early-stage prospects for an initial viability assessment. Each prospect is evaluated for eligibility, cash flow, credit, and equity injection, with a clear recommendation on whether the transaction is worth pursuing and what it would take to get there.
Loan Packaging
-
Eligibility review under current SBA SOP requirements
-
Transaction-specific document checklists, with collection and follow-up through a complete package: business and personal tax returns, financial statements, completed SBA forms, debt schedules, business plans and projections, and all supporting documentation
-
Review of purchase agreements, leases, franchise documents, and other transaction contracts for consistency with the loan request
-
Coordination with borrowers, sellers, CPAs, and other third parties
-
Financial analysis, including historical and projected cash flow and debt service coverage
-
Loan structuring recommendations
-
Loan Request Summary & Credit Overview, covering the transaction, market and location, business and management, cash flow, collateral, and key risks and mitigants, with lender-specific credit memo formats available on request
Support & Confidentiality
Eligibility, credit, and documentation issues are identified and resolved before the file reaches underwriting, not after. Post-submission support continues through credit decision, giving both the lender and the borrower a consistent point of contact throughout the process.
​
Your relationships stay yours. Prospects and transactions packaged for a client remain that client’s. Borrower information is held in strict confidence, and Executive Element does not solicit those borrowers or refer them to other lenders.
