Closing Compliance
Every SBA closing checked against its Authorization before a dollar moves, so the guaranty holds later.
Why it matters
Closing errors surface years later at guaranty purchase, when a missing guarantee or unproven equity injection lets SBA reduce or deny the guaranty.
How the solution handles it
Agents turn the Authorization into a condition list, then check each note, guarantee, lien, insurance policy and injection source against it, including the 10% minimum for start-ups and changes of ownership. A closing officer clears every exception and signs off before funds move.
How a closing moves
Five agents read the Authorization and check each note, guarantee, lien, policy and injection against it; a closing officer clears exceptions and signs off.
What it reads, and what it hands back.
What goes in
- SBA Authorization
- Note (Form 147), guarantees (148 / 148L)
- UCC-1 filings, deeds of trust
- Hazard and life insurance certificates
- Equity injection evidence
What comes out
- Authorization-to-closing checklist
- Exception list with fixes
- Equity injection verification
- Disbursement-ready file
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Rules: SBA SOP 50 10 8 (10% minimum equity injection for start-ups and changes of ownership) · SBA Forms 147, 148, 148L · “Target” = design goal, measured in the live solution
5 specialist agents. One person decides.
More in this division.
Every SBA applicant screened against SOP 50 10 8 on day one, each finding cited to the rule.
Cash-Flow UnderwritingBusiness and guarantor returns spread into one global cash flow in under an hour, every number cited.
Package BuilderEvery 7(a) and 504 package complete and consistent before E-Tran, so it goes through on the first pass.
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