Know what your SBA loan really puts on the line — before you sign.
Upload your SBA package and get a borrower-side risk report: unconditional guarantee scope, personal and home-equity collateral, equity injection, prepayment penalties, occupancy math, and default triggers — each tied to a quote from your own documents.
- Tuned for SBA financing — not a generic contract bot
- Free preview first — unlock the full report for $40
- Scanned PDFs supported (OCR)
Last reviewed: May 26, 2026 by the BizLeaseCheck Editorial Team. General information, not legal or financial advice.
SBA Loan Package Analysis
A representative sba loan sample report — danger score 89/100, 8 red flags with verbatim evidence quotes, no signup needed.
Compare: AI vs. an SBA loan attorney · vs. doing it yourself
What the SBA analyzer checks
The review is built around the borrower-side issues that actually move risk in an SBA package — the same categories an experienced SBA borrower’s advocate would work through.
Unconditional guarantee — Form 148 / 148L
Whether the guarantee is unlimited or limited, the practical cap and release path, and whether Form 148L limits match the approval and collateral schedule.
20%+ owner guarantee coverage
Whether every holder of 20% or more ownership who is generally required to guarantee actually appears — and whether extra full or limited guarantees were added.
Personal & home-equity collateral (SOP 50 10)
What real and personal property is pledged, where spouse signatures appear, and whether a life-insurance collateral assignment was added near closing.
7(a) vs. 504 structure
Whether you are signing a bank-only 7(a) note, a CDC/504 debenture structure, or mixed collateral and security documents that change the risk.
Equity injection & source of funds
Whether the injection is documented properly and whether it relies on seller debt, borrowed funds, affiliates, or undocumented transfers that the SBA scrutinizes.
Prepayment penalties
504/CDC debenture declining-premium schedules and 7(a) subsidy-recoupment language that can quietly tax an early exit or refinance.
Standby creditor agreements (Form 155)
Subordination, payment-blockage, and standby-debt treatment that determine when seller or affiliate debt can actually be paid.
Occupancy requirements
Whether 51% existing-building or 60% new-construction occupancy math matches the rent roll, floor plan, and EPC/OC structure for 504 real estate.
Default, acceleration & liquidation
Language that shifts quickly from workout to liquidation, charge-off, offer-in-compromise, or Treasury referral, plus cross-default and cross-collateralization.
A specialist in SBA financing — not a generic document tool
The SBA review is framed around the documents borrowers actually sign — the note, SBA Forms 148, 148L, 413, 155, 1919, and 1920, collateral and standby agreements — and the federal framework that governs them: the current SBA SOP 50 10 and 13 CFR Part 120. Program rules change across SOP versions and lender approvals, so every flag is tied to a quote from your specific document rather than a generic template. Authoritative program guidance lives at SBA.gov.
What you get
- A 0–100 danger score with a category-by-category breakdown
- An exposure summary: guaranteed principal, joint-and-several status, collateral, equity injection, and prepayment terms
- Prioritized red flags — each tied to a short quote pulled from your own document
- Key dates: maturity, prepayment-penalty expiration, and injection / insurance / occupancy deadlines
- A ready-to-send list of questions to raise with your lender, CDC, broker, or attorney
How it works
Go deeper: SBA borrower guides
Source-cited federal guides for the questions SBA borrowers actually ask.
SBA Personal Guarantee Requirements: 20% Owners, Form 148 & Form 148L
Understand who usually must guarantee an SBA 7(a) or 504 loan, what Form 148 and Form 148L do, and which signature requests need closer review.
SBA 7(a) vs 504 Loans: Program Structure, Uses, Guarantees & Collateral
A borrower-focused comparison of 7(a) and 504 financing, with the document and guaranty issues that change closing risk.
SBA Collateral Requirements: Business Assets, Home Equity & Personal Guarantees
Learn how SBA collateral review works and why a guarantee, mortgage, deed of trust, UCC filing, or collateral assignment can change personal exposure.
SBA Loan Default and Liquidation Guide: Guaranty Purchase, OIC & Collection Risk
What borrowers and guarantors should know when an SBA 7(a) or 504 loan moves from workout to liquidation and collection.
SBA Prepayment Penalties: 7(a) Subsidy Recoupment and 504 Debenture Premiums
Before refinancing or selling, check whether your SBA loan has a 7(a) subsidy recoupment charge, 504 debenture premium, or note-specific payoff condition.
SBA Equity Injection Requirements: Down Payment, Seller Debt & Source of Funds
Equity injection is one of the most document-sensitive parts of an SBA closing: source of funds, seller notes, standby debt, and lender conditions all need to match.
SBA Life Insurance Requirements: Collateral Assignment and Borrower Review
SBA life insurance conditions can turn a policy into loan collateral. Check who is insured, who owns the policy, who pays premiums, and how the assignment releases.
SBA Spousal Guarantee and ECOA Guide: Signature Limits, Collateral & Form 148L
A spouse-signature request should identify the legal reason: personal guarantee, collateral consent, community-property interest, or limited spousal-interest document.
SBA Occupancy Requirements: 51% Existing Buildings and 60% New Construction
For SBA-financed real estate, check how much rentable property the borrower will occupy, what can be leased, and whether the project is existing space or new construction.
SBA Loan Closing Checklist: Forms 1919, 1920, 413, 148, 155 & Red Flags
A practical SBA closing-document checklist for borrowers reviewing forms, guarantees, collateral, standby debt, financial statements, and program conditions before signing.
Frequently asked questions
What documents should I review before signing an SBA loan?
Start with the note, SBA Form 148 or 148L, collateral documents, Form 413, Form 155 or standby agreement, insurance assignments, spouse or property signatures, occupancy documents, and prepayment language.
Do SBA loans require personal guarantees?
Federal SBA rules generally require holders of at least 20% ownership to guarantee the loan. Other full or limited guarantees may be required for credit or collateral reasons.
What is the difference between SBA Form 148 and 148L?
Form 148 is the unconditional guarantee; Form 148L is the limited guarantee. The analyzer flags whether a 148L’s stated limits actually match the approval terms and collateral schedule.
Can BizLeaseCheck analyze a full SBA loan package?
Yes. The SBA loan document type reviews SBA notes, guarantees, collateral documents, closing packages, and related forms for borrower-side risk, citing short evidence excerpts from your file.
Is this legal or financial advice?
No. This is general information and document-review prompts. Confirm loan-specific, state-law, tax, and enforcement questions with qualified professionals.
Related: personal guaranty review
SBA loans almost always include a personal guarantee. If you want to dig into guaranty-specific collection, spouse-signature, homestead, and enforcement issues by state, see the personal guaranty review.