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
You might also like
You can analyze stocks and portfolios for dividend quality, calculate sustainable yield targets, and develop personalized dividend strategies aligned with your income goals. The skill evaluates dividend safety metrics like payout ratios and growth history, then recommends optimal allocation strategies to maximize income while managing risk.
by eternaljust
You can conduct comprehensive documentation audits on jumbo mortgage files ($766,550+) to catch compliance issues, missing documentation, and investor-specific requirements before they derail closing. The skill maps file contents against jumbo-specific underwriting standards, flags high-risk gaps, and generates prioritized remediation plans with clear action items for processors and closers.
by eternaljust
This skill analyzes dividend stocks and constructs diversified dividend portfolios tailored to your investment goals and risk tolerance. You can evaluate individual dividend payers for yield, sustainability, and growth potential, then combine them into coherent strategies (value, growth, balanced) with specific allocation weights and rebalancing guidelines. The skill generates actionable recommendations backed by fundamental analysis and portfolio theory.
by eternaljust
You can conduct comprehensive wealth structure reviews that evaluate tax efficiency across jurisdictions, identify asset protection gaps, and align structures with succession and legacy objectives. The skill helps you map existing entity layers, spot redundancies, model optimization scenarios, and present data-driven recommendations that balance regulatory compliance with client risk tolerance and control preferences.
by eternaljust
You'll validate complete closing document packages against TRID, RESPA, TILA, and state-specific requirements in a structured, auditable process. The skill checks document completeness, cross-references borrower information across multiple documents, verifies signature blocks and initials, confirms effective dates and timelines, and identifies title issues or escrow setup problems—all before documents reach borrowers or closing.
by eternaljust
Conduct thorough, documented customer risk assessments using structured compliance decision trees aligned with FinCEN, OFAC, and BSA standards. You'll evaluate customer information, identify regulatory red flags, determine appropriate risk classifications, and generate audit-ready documentation that demonstrates defensible decision-making during regulatory examinations. This skill accelerates due diligence while reducing compliance gaps and creating the paper trail regulators expect.
by eternaljust
You can rapidly process consumer loan applications by analyzing creditworthiness across multiple dimensions—debt ratios, credit patterns, employment stability, and compensating factors—while documenting decisions for audit trails and fair lending compliance. The skill identifies red flags, calculates risk scores, and produces underwriting summaries that justify approval or denial decisions to compliance teams and loan committees.
by eternaljust
You can analyze entire Android Jetpack Compose codebases or specific modules to uncover architectural and performance issues. The skill scans your source code against four critical categories—performance, state management, side effects, and composable API quality—scoring each from 0–10 and delivering an evidence-based markdown report that prioritizes the most impactful fixes first.
by eternaljust