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Start
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Assets
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Documents
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Income
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Result
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Sign

Let's get you pre-qualified

Takes about 3 minutes. You'll get your SBA pre-qualification amount and a letter at the end.

Please enter your first and last name.
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Please complete your address.

Liquid assets & deal structure

Your pre-qualification amount is based on the cash you can put toward the down payment.

List all liquid assets available for your down payment (combined with your spouse if married). Standard = 10% down / 90% SBA 7(a). Split = 5% down + 5% seller note on full standby / 90% SBA 7(a). Lenders also want 2%+ in post-close liquidity.
Please enter an amount (0 is fine).
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If yes, your retirement balance counts toward your pre-qualification.
Deal structure

You put in 10% cash and the SBA 7(a) loan covers the other 90%.

You put in 5% cash and the seller finances 5% as a seller note on full standby — meaning the seller receives no payments until your SBA loan is fully paid off. The SBA 7(a) loan covers the remaining 90%.

Helps lenders assess overall financial strength (not used for the down payment).
Equity above 25% of value means SBA lenders may require a lien on the home. A HELOC can reduce equity below that threshold.

Upload your documents

Two files SBA lenders require to proceed. PDF, Word, or image, up to 20 MB each.

⇩ Download the blank SBA Form 413
Drop your completed form here or browse
Please upload your completed SBA Form 413.
Lenders want to see you can run what you're buying.
Drop your resume here or browse
Please upload your resume.

Income & eligibility

A few final questions lenders use to confirm SBA eligibility.

Total yearly income from all sources, before taxes.
Please enter your annual income.
Your most recent personal tax return, if available.
Drop your 2025 return here or browse
Most recent score (a minimum of 650 is typically required).
Please enter your credit score.
Scores under 650 narrow the lender pool, but we can still take a look.
As of March 2025, SBA loans require 100% ownership by U.S. citizens.
SBA eligibility requirement SBA 7(a) loans require 100% ownership by U.S. citizens. We can't issue a pre-qualification, but an advisor can discuss other options — call 1-855-381-6448.
Please select an option.
Please select an option.
Please select an option.
A free report or score screenshot from Credit Karma works.
Drop your credit report here or browse

Your pre-qualification

Here's your estimated SBA 7(a) pre-qualification based on what you entered.

You're pre-qualified for up to
$0
SBA 7(a) loan
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You're pre-qualified!

$0

We've emailed your pre-qualification letter to . A senior advisor will reach out within one business day to review your file and start lender outreach.

Reference:

Download your letter (PDF)
Choose your service level
Pick the program that best fits your needs.
RECOMMENDED
🏆 Priority Program
Priority Pre-LOI / Post-LOI consultation & outreach · 100% free to borrowers
✓Free Pre-LOI HelpAnalyze your deal BEFORE you sign anything
✓Free Deal StructuringExpert guidance on equity, seller notes & working capital
✓Skip the QueueJump ahead once your LOI is signed
✓Guaranteed Senior Loan Officer AccessImmediate, guaranteed phone/video access to local senior loan officers on your deal
✓Priority ProcessingFaster term sheets and immediate attention
✓Free Business Plan & Financial ProjectionsProfessional documents prepared at no cost
✓Full Lender NetworkAccess to 35+ top SBA lenders nationwide
✓100% FreeAll premium benefits at no cost to you
📋 Standard Service
Free Post-LOI lender outreach
✕No Pre-LOI HelpMust have a signed LOI before we can start
✕No Deal StructuringLimited guidance on optimizing your deal
✕Wait in LineStandard processing order with typical timelines
✕Dedicated Senior Loan Officer AccessStandard access with regular response times
✕Standard ProcessingRegular timeline, no priority treatment
✓Full Lender NetworkAccess to 35+ top SBA lenders nationwide
✓100% FreeBasic service at no cost to you
Please choose a program type.

Priority Program & Exclusivity Agreement

Please review the full agreement below, then sign to enroll. Open the agreement in a new tab ↗

Can't see the agreement above? Open it here.

Draw your signature below (optional), then type your full legal name to sign.
Please type your full legal name.
Please confirm you agree to the terms.
Signed electronically under the U.S. E-SIGN Act. A copy is emailed to you and kept on file.

You're in the Priority Program

Your signed agreement is on file and a copy is on its way to . Your dedicated advisor will reach out within one business day to begin priority processing and lender outreach.

Reference:

Download signed agreement (PDF)

You're all set with Standard Service

Your pre-qualification is saved. A senior advisor will reach out within one business day to begin Post-LOI lender outreach. Whenever you'd like the full Priority Program (also free), just let us know.

Reference:

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