Eligibility determination
Size standard, eligible business type, use of proceeds, ownership/citizenship, credit-elsewhere, affiliation — all gates checked and documented.
The most rigorous SBA 7(a) loan file a lender can submit.
The SBA Guaranty-Protected Loan Package Engine assembles a complete, SOP-compliant SBA 7(a) loan file — eligibility determination, application assembly, credit memo, and closing checklist — per loan, reviewed and signed off by an experienced SBA credit expert, engineered so the lender's government guaranty holds up at purchase.
Every requirement of SOP 50 10 8Eligibility, application, credit memo, closing checklistDHSMV · USCG · UCC · judgment lien searchesSpecialist release on every file5-business-day SLA
Why files fail
A single documentation gap can cost the lender its 75% guaranty.
An SBA 7(a) loan file is a closed-book compliance proof. Every eligibility, use-of-proceeds, equity-injection, affiliation, and closing requirement must be matched to a specific document — or the guaranty is exposed. When a guaranteed loan defaults, SBA reviews the file; if the lender 'has been deficient in its handling of a loan,' SBA imposes a repair (partial reduction of the guaranty) or a denial (full loss of the guaranty). Critically, the deficiency 'is often one of omission (failure to document), rather than commission' — the lender complied but did not prove it in the file.
Most lenders run this by hand, from memory, once or twice a year. The SOP has not been read end-to-end since the last time it mattered. That is exactly where completeness gaps hide.
The SBA Guaranty-Protected Loan Package Engine exists to close that gap with a single, exhaustive standard applied identically to every file.
1 of 5
missing documentation elements is enough to jeopardize a guaranty
The benchmark
Measured against the letter of the SOP — subsection by subsection.
We do not summarize the law and hope. Every file is scored against a versioned rule pack tied to the exact text of SOP 50 10 8 and 13 CFR 120. These are the provisions each file is held to.
Application assembly
Forms 1919, 1920, 912, 159 fee disclosure, IRS 4506-C transcripts, franchise/SBA Directory checks — all present and cross-checked.
Credit memo skeleton
Drafted from the borrower's application, financials, and the lender's credit narrative, with every SOP requirement tied to a specific file exhibit.
Closing checklist
Every closing requirement mapped to a document, with a deterministic gate that blocks release if any item is missing.
Guaranty-purchase readiness
The file is engineered to survive review at the National Guaranty Purchase Center — no omissions, no assumptions.
Document-requirement matrix
Every SOP requirement is mapped to a specific file exhibit, with a versioned ruleset that tracks SOP and Federal Register changes.
How a file is built
Intake to specialist release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A human specialist signs every release. That order is never reversed.
01
Delinquency Gap Scan
Upload the borrower's application, financials, and the lender's credit narrative. We return a free completeness read: which SOP requirements and documents you already have, and which are missing.
02
Evidence & lien searches
As your authorized clerical agent, we order the DHSMV, USCG/NVDC, UCC, and judgment-lien searches and build the lienholder matrix, corroborated across sources.
03
Grounded drafting
The eligibility determination, application assembly, credit memo skeleton, and closing checklist are drafted from your validated data and the SOP rule pack into field-locked templates — no legal opinions, no invented facts.
04
Deterministic completeness gates
Every SOP requirement is checked against the document-requirement matrix; amounts reconcile to the application; the eligibility gates are resolved; SCRA is screened. Any failure blocks release.
05
Specialist release
An experienced SBA credit/eligibility expert reviews the exception queue and signs the release. High-value or complex files route to attorney review first.
06
Delivery
You receive the file: eligibility determination, application assembly, credit memo, closing checklist, evidence log, and the document-requirement matrix — ready for the lender to make its own credit decision and submit.
The bar we hold
Rigor you can measure.
100%
Specialist-released
No file ships without a human signature.
5 days
Standard SLA
From complete intake to released file.
<1%
Critical-defect target
Tracked against a gold-standard file library.
4
Lien-search sources
DHSMV · USCG · UCC · judgment, every applicable file.
Why SBA Guaranty-Protected Loan Package Engine
Built to be the most thorough option a lender has.
Documentation-complete, by design
The deliverable is completeness itself — every SOP requirement and search accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a statutory requirement.
In its lane, on purpose
We prepare documentation and run searches as your clerical agent. We never make the credit decision, give legal advice, or submit the file to SBA.
Engagement
Flat fee, per released file. No contingency, ever.
Simple, predictable, and aligned with a documentation standard — not a cut of any loan approval.
- A free Delinquency Gap Scan before you commit — see exactly what is missing.
- One flat fee per released Guaranty-Protected Loan Package; disclosed pass-through search fees.
- Optional fixed-fee attorney review for high-value or complex files.
- Optional Sale Continuity Add-on for the advertisement and sale-day exhibits, pre-dated to your 60-day window.
FAQ
Questions, answered precisely.
Is SBA Guaranty-Protected Loan Package Engine a law firm?
No. SBA Guaranty-Protected Loan Package Engine, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for high-value or complex files.
Do you make the credit decision or submit the file to SBA?
Never. The lender retains its own credit decision, as SBA rules require. We prepare the documentation; the lender submits.
What makes a file 'complete'?
Completeness is defined by the SOP: every eligibility gate checked, every required form present, every closing requirement mapped to a document, and every guaranty-jeopardizing gap flagged and cured. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a specialist-released file. The free Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per released file, plus disclosed pass-through search costs. No contingency and no percentage of any loan amount or guaranty.
See what's missing before it costs you a guaranty.
Start with a free Delinquency Gap Scan. Send the borrower's application, financials, and your credit narrative and we'll return a completeness read against every requirement of SOP 50 10 8.
Documentation-completeness service · not legal advice · the lender makes every credit decision.