SBA Loan Application Analyzer
Evaluate SBA loan applications for completeness, eligibility, and underwriting risk
What You Can Do
You can rapidly evaluate SBA loan applications by checking completeness against SBA Form 1919 and program-specific requirements, assessing borrower eligibility using SBA size standards and credit criteria, and identifying documentation gaps before formal underwriting. The skill produces standardized compliance summaries and risk assessments that support your preliminary evaluation, pricing decisions, and supervisory reviews.
Features
systematically verifies all required documents and sections against SBA Form 1919 and program guidelines
evaluates size standards, personal credit history, character requirements, and program-specific qualifications
flags missing financial statements, tax returns, personal financial statements, and collateral documentation
generates standardized assessment reports for file documentation and supervisory review
identifies credit concerns, collateral adequacy issues, and application inconsistencies for underwriting consideration
recommends appropriate SBA program (7(a), CDC/504, microloan) based on applicant profile and loan structure
categorizes applications by risk level and highlights marginal or complex situations requiring additional scrutiny
provides structured analysis and findings to support discussions with loan committee and compliance teams
Example Output
Example 1: Completeness Report
APPLICATION COMPLETENESS ASSESSMENT
Borrower: Acme Manufacturing LLC
Loan Amount: $450,000 | Program: SBA 7(a)
✓ Personal financial statement (current)
✓ Business tax returns (2 years)
✓ Personal tax returns (2 years)
✓ Business plan and description
- ⚠️ MISSING: Current business financial statements (last 3 months P&L)
- ⚠️ MISSING: Detailed equipment list and quotes for requested purchases
- ❌ CRITICAL GAP: Collateral documentation (personal residence appraisal ordered but not received)
Status: INCOMPLETE — Cannot route to underwriting until highlighted items received.
Estimated completion: 7-10 business days pending collateral appraisal.
Example 2: Eligibility & Risk Assessment
BORROWER ELIGIBILITY SUMMARY
Business Size: PASS (Annual revenue $1.2M, well under $7.5M SBA cap for this industry)
Personal Credit: CAUTION (Middle score 642, recent 30-day late payment 8 months ago)
Character Assessment: PASS (No adverse history; existing business operating 6 years)
Risk Factors:
• Thin gross margins (18% vs. industry avg 22%)
• Seasonal revenue fluctuation (40% Q1-Q2 variation)
• Owner has one prior SBA loan (paid on time, matured)
Recommendation: ELIGIBLE with conditional structure (seasonal payment adjustment, additional owner guarantee)
What's Included
- SKILL.md: Core instruction file with evaluation framework and analysis guidelines
- SBA Application Checklist Template: Form 1919 completeness verification and program-specific requirements by loan type
- Eligibility Assessment Worksheet: Size standards calculator, credit criteria reference, character evaluation matrix
- Risk Assessment Framework: Preliminary risk scoring model, concern categorization, and documentation gap priority matrix
- Compliance Report Template: Standardized assessment summary for file documentation and supervisory review
Who It's For
- SBA Loan Officers — reviewing initial applications and preparing files for formal underwriting
- Commercial Loan Underwriters — conducting preliminary eligibility assessments and risk screening
- Loan Committee Members — evaluating applications for approval and structure recommendations
- Bank Compliance Officers — verifying SBA program adherence and documentation standards
- Credit Analysts — supporting preliminary risk assessments and supervisory memo preparation
Best For
- Completeness reviews before submitting applications to formal underwriting departments
- Eligibility screening for borderline or first-time SBA borrowers
- Documentation gap identification to prevent delays in the loan approval timeline
- Program fit analysis to recommend optimal SBA product (7(a), 504, microloan) for applicant profile
- Risk preliminary assessment to support pricing, structure, and supervisory decision-making on complex applications
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