A business loan application portal that reads each upload and asks the owner only what is missing
Complete applications the first time, without days of document chasing.
See one case, screen by screen ↓A secure link where a business owner applies for a loan: answers questions, uploads documents and sees what is still needed. This one asks one plain question at a time, reads every upload the moment it lands, and asks only what the documents could not answer — while the processor sees the same file fill at the bank.
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A lender’s SBA 7(a) checklist runs to 30 to 45 items: three years of signed business and personal returns, interim financials inside the bank’s age limit, a debt schedule, entity documents, Form 1919, and a personal financial statement and 4506-C for every 20% owner. The business owner does not know any of that. They send what they have — a draft return, last quarter’s P&L, a debt schedule without the equipment lease — and the processor starts writing emails in lender language.
Then there are the owners nobody mentioned. SBA now counts every direct and indirect owner, through holding companies and family trusts, and every one of them must be a U.S. citizen or national living in the U.S. An owner rarely knows who owns them through a family company — and a single missed owner makes the loan ineligible.
Estimated split, in days, from the first document to a complete file. The totals match the working solution’s Insights: 23 days before the portal, a 9-day median with it.
Six specialist agents read every upload as it lands, ask the owner only what is missing and trace every owner; the processor decides.
Medina & Hale Bakehouse, a 41-person bakery in Columbus, Ohio, asks Orchard Point Bank for an SBA 7(a) loan of $865,000 over 10 years. Here is what happens, screen by screen, in the working solution.
Rosa opened the link from her banker, Tyler Okafor, at 19:40. Twelve minutes in, she has answered 6 of the application’s 20 parts — the amount, what it is for, who is applying, her contact details, 41 employees, her photo ID — and the ring shows 30%. The next question is in large type: “Do you have last year’s business tax return?” On the right, the file Priya Raman will receive at the bank fills as she goes.
“Drop it here. We’ll read it and fill in what we can, so you don’t have to type it.”
Rosa drops the 2024 Form 1065 — 41 pages, signed 9 Mar 2025. Eight answers fill themselves, each with the page it came from: legal name, EIN 82-4417093, LLC taxed as a partnership, started 3 Apr 2017, retail bakery code 311811, 2024 sales of $2,611,000, 418 Parsons Avenue, and the owners on the K-1s. The ring jumps to 75%, and eight questions are struck off the list.
“We found 8 answers on your return. Is everything right?”
The K-1s show Halewood Holdings LLC owns 35% of the bakery. The return cannot say who owns Halewood, so that is the next question. Rosa answers “Just Marcus, I think.” The guide does not ask her to hunt for paperwork — Marcus Hale gets his own link for Halewood’s operating agreement.
“The bank needs every owner, even through another company or a family trust. A best guess is fine — we’ll check.”
She ticks the Orchard Point line of credit and a vehicle loan, drops the articles of organization (Ohio, entity 4011872) and three quotes for $730,000, which the consistency checker ties to the uses of funds. She reads the filled application once and sends it: 20 of 20 in 28 minutes, 10 answers found in her documents, 8 questions she answered.
Thirty-seven documents are in — 31 from Rosa, 6 from Marcus, who uploaded the Halewood operating agreement and his Form 413 on Sunday at 21:47. Priya presses Check new uploads. Five agents read the new documents and the file against the SBA 7(a) checklist, step by step in view, and come back with four findings, each with its source.
“Finished in 69 s · 5 agents · 37 documents”
Schedule A of Halewood’s operating agreement splits it Marcus Hale 60%, Joanna Hale-Pruitt 40%. So Joanna owns 14% of the bakery indirectly, Marcus 46% in all, and ownership now traces to 100%. Joanna’s 2019 address in the agreement is in Windsor, Ontario. The tracer does not guess — it asks her to confirm citizenship and residence.
“The agents never decide citizenship or residence. They ask the owner, keep the answer and the ID, and Elaine Cho confirms eligibility.”
The 2025 Form 1065 is the accountant’s copy — DRAFT on every page, no signature; the return was filed on extension on 14 Sep 2026. The P&L and balance sheet run to 30 Jun 2026, 104 days old against the bank’s 90-day rule. And the bank statements show 12 payments of $1,912.40 to Alder Creek Equipment Finance that are not on the debt schedule.
Five open items become three messages: Rosa (3 items), Marcus (Halewood’s certificate of good standing, free and online from the Ohio Secretary of State) and Joanna (citizenship, residence and a photo ID). The checklist’s own wording sits beside each item. Nothing goes out until Priya presses Send.
“Your bank statements show $1,912.40 a month to Alder Creek Equipment Finance. What is it for, and how much is still owed?”
Marcus sends the certificate at 09:31. Joanna confirms she is a U.S. citizen living in Ann Arbor, Michigan since 2 Mar 2026 and uploads her driver’s licence. Rosa sends the signed return and September financials and explains Alder Creek: the lease-to-own on the 2023 oven, $48,200 left, 26 payments. At 09:47 the file is 36 of 36, 13 days after the first document, and the one-page hand-off is ready — every figure from a document.
Priya marks the file complete and sends it to Ben Kowalski in underwriting, with a note: “Complete in one round. Rosa is quick to answer — call her mornings before 7.” At 09:55 Elaine Cho, the SBA lending manager, confirms eligibility and the ownership list for E-Tran: 3 people, 1 company, 100%.
The agents never mark a file complete — the processor does, by name.
The same application, seen by the four people who carry it — what their week looked like, and what it looks like now.
Six specialist agents read every upload as it lands, ask the owner only what is missing and trace every owner; the processor decides.
Runs the owner portal one plain question at a time, at a grade-7 reading level in English or Spanish, fills what the uploaded documents already answer, asks only what they could not, and builds the checklist for the loan type as the owner answers.
Sorts every upload and reads its type, tax year, period, signer and date, draft marks and age against the recency rules, then accepts it against a checklist item or says exactly why not.
Reads operating agreements, articles, trust certifications and K-1s, traces every direct and indirect owner to 100% through companies and trusts, and lists what each owner owes at their share.
Ties the debt schedule to the bank statements, revenue across the returns and financials, and the uses of funds to the quotes.
Groups the open items by the person who can provide them and writes one short plain-words message per person, with the checklist’s own wording beside each item.
Writes the one-page summary for underwriting — the business, uses of funds, revenue and earnings, eligibility checks — and the ownership list for E-Tran.
Sends requests, marks complete; lending manager confirms eligibility. The agents propose; a named person decides.
The processor can ask about any application, owner or document — or tell the assistant what to send. Every answer points to its source.
Who owns Medina & Hale, all the way down?
Three people and one company, 100% in all: Rosa Medina 40% direct; Marcus Hale 46% — 25% direct plus 60% of Halewood’s 35%; Joanna Hale-Pruitt 14% — 40% of Halewood’s 35%. Rosa did not know about Joanna. Joanna is under 20%, so she owes no guarantee or Form 413, but SBA rules need her citizenship and residence confirmed.
What is still missing, and who has it?
Five items, three people. Rosa: the signed 2025 return (the copy sent is a draft), financials through 30 Sep (the current ones are 104 days old), and the Alder Creek payment on the debt schedule. Marcus: Halewood’s certificate of good standing. Joanna: citizenship, residence and a photo ID. The three messages are drafted, waiting for you to send.
Does the debt schedule tie to the bank statements?
Not yet. The statements show 12 payments of $1,912.40 to Alder Creek Equipment Finance, October 2025 to September 2026. The schedule of 29 Sep lists only the Orchard Point line ($22,400) and the Ridgeway Auto Credit van loan ($31,800). Equipment leases are easy to forget.
Send all three requests now
Sent — Rosa (3 items), Marcus (Halewood’s good standing) and Joanna (citizenship, residence and ID), each in their own link with a copy to Tyler. Each upload is read the moment it lands.
13 screens from the working solution, on its sample data. Pick one to see it large.
Checklists by loan type and the rules each document is read against are settings, versioned and on the audit trail.
| Setting | Default | Choose from |
|---|---|---|
| Interim financials no older than | 90 days | 30 to 180 days, in steps of 30 |
| Tax years required | 3 years | 3 years · 2 years · 3 years, or 2 with a CPA review |
| Form 1919 signed no more than | 120 days before it goes to SBA | 120 · 90 · 60 days |
| Owners who owe a personal financial statement and 4506-C | 20% and over | 20% and over · 10% and over · Every owner |
| Trace every owner to 100% | On | Through companies and trusts, with citizenship and residence confirmed by each owner |
| Reading level of every question and request | Grade 7 · plain words | Grade 7 · Grade 9 · Banker’s wording |
| Reminders for items already requested | Every 2 business days | Every business day · Every 2 business days · Every week |
| Eligibility and ownership confirmed by | Elaine Cho | A named manager — Elaine Cho or Mark Delgado |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample bank data · “target” = the design goal, measured in the live solution · “estimated” = our estimate. Context: SBA Procedural Notice 5000-876626 (100% of direct and indirect owners, from 1 Mar 2026); SBA 7(a) Loan Submission Checklist. People, companies and the bank named on this page are fictional — characters and sample data in the working solution.
A secure link where a business owner applies for a loan: answers questions, uploads documents and sees what is still needed. This one asks one plain question at a time, reads every upload the moment it lands, and asks only what the documents could not answer — while the processor sees the same file fill at the bank.
The checklist is built from the loan type and the owner’s answers — SBA 7(a) standard, 7(a) small, Express line, 504, term loan or line of credit, each a versioned checklist in Settings. Each upload is read for type, tax year, period, signature and draft marks, so a draft return or financials past the bank’s age limit are caught before underwriting sees them.
Yes. The ownership tracer reads operating agreements, articles, trust certifications and K-1s and multiplies shares through every company and trust until ownership sums to 100%. Each owner is asked to confirm U.S. citizenship and residence with an ID, and the SBA lending manager confirms eligibility and the ownership list for E-Tran.
No. The agents never give credit advice, judge creditworthiness, or recommend approval or terms, and they never mark a file complete. The processor decides what is sent and when the file is complete; credit stays with the underwriter.
The owner chooses English or Spanish at the start. Every question and request is written at a grade-7 reading level by default, with the checklist’s own wording shown to staff beside each item.
They are asked at application with the right to decline, and the answers are hidden from everyone who decides credit. It is a setting the bank controls.
Yes. The request writer drafts one message per person; the processor edits and sends it. Only reminders for items already requested go out on their own, on the schedule the bank sets, and every message and upload is on the audit trail.
The Agentic Solution Engine builds and deploys it from your requirements — your checklists by loan type, your recency rules and a sample of past files — and it goes live once every quality gate has passed. We will walk you through it on your own applications first.
Rule answers in seconds, cited to the SOP on the loan's date.
1-min demoSmall Business Loan DecisioningA decision-ready file for loans up to $350,000 in under a day.
1-min demoSBA Eligibility ScreeningEvery owner checked before underwriting starts, findings that hold up.
1-min demoWe’ll run the Business Loan Application Portal on your own checklists and a sample of past files.