Lender services for banks & credit unions
Submission-readySBAloanfiles.Indays,notweeks.
Send us your borrower's raw documents. Get back a complete, guarantee-safe 7(a) package: eligibility screened against SOP 50 10, financials spread, every checklist item closed, reviewed and signed by an accountable human.
- 214
- checks / file
- 1:56
- median run
- $2,000
- fee ceiling
Eight stations. Every one of them recorded.
Your bank
Intake Agent
Extraction Agent
Eligibility Agent
Spreading
Assembly Agent
Human Reviewer
Your bank
emails the borrower's documents
classifies and indexes every page
every number tied to its source page
tests the deal against SOP 50 10 8
pure code: DSCR is arithmetic, never AI text
builds the package against the checklist
resolves flags and signs; nothing ships unsigned
a submission-ready package comes back
WORKING…
STATION 2
STATION 3
STATION 4
STATION 5
STATION 6
STATION 7
STATION 8
Agents run 214 checks against SOP 50 10 8 · a human reviews and signs · a submission-ready package returns in days
Read a real file
Don't take our word for it. Read a complete package.
Seven pages from a fictional borrower, watermarked SAMPLE: the run record, the fingerprinted document inventory, the spread with source pointers, the findings from 214 checks, and the credit memorandum.
PAGE 1 / 7
Cover & run record: hashes, signature, and a 1 hr 56 min turnaround. The receipt for everything in this file.
Your borrowers want SBA loans. We make saying yes easy.
01 / Speed
Days, not weeks.
The industry standard is three weeks per package. We deliver in days, so your borrower closes faster and your deal doesn't die waiting on paperwork. No SBA back office to hire, train, or manage on your side.
02 / Accuracy
Nothing missed. Ever.
Every file is screened against SOP 50 10, every checklist item is closed, and the math is computed, never estimated. A named, experienced reviewer signs every package before it reaches you. Your guarantee stays safe because the file is right.
03 / Price
Every price published. Flat.
Flat by loan size, never a percentage, published in full in the pricing table below. Lender-paid only, exactly as SBA rules require. Nothing to install, no seats, no contracts to commit to before you've seen our work.
Four ways to start. All of them low-risk.
The free pilot
Your first two files, packaged free, in parallel with your current process. Compare speed, completeness, and quality side by side. If we're not better, you've lost nothing and learned something about your own pipeline.
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Standard 7(a) packages
Complete, submission-ready files: eligibility memo, financial spreads, full document checklist, and a signed package, delivered in days. Priced flat by loan size, never a percentage. Per file, no minimums, no retainer.
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Small-dollar tier
Flat-fee packaging for loans under $150K, the files where packaging fees usually kill the deal's economics. More than half of all 7(a) loans are now small-dollar; we make them worth your time again.
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Independent file review
Already package in-house or through another shop? We check the completed file against SOP 50 10 before it goes to SBA: eligibility, documents, and math verified, with a written findings memo signed by a named reviewer, back the same business day.
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Every price on the table. Flat, published, lender-paid.
The ceiling
$2,000
Flat by loan size, never a percentage. On a $5M loan you still pay $2,000. Lender paid only, exactly as SBA rules require, under a standard LSP agreement.
Start with two free filesThe SBA opportunity at your door
$37.3B
SBA 7(a) lending in FY2025, a record year. Your borrowers are asking for these loans.
98%
Of SBA lenders close fewer than ten loans a year. Too few to staff a department; exactly enough to outsource.
>50%
Of 7(a) loans are now under $150K, where packaging fees usually kill the economics. Our small-loan tier fixes that.
3wk
The industry-standard packaging turnaround. We deliver in days.
Built for your examiner
Every file carries a tamper-evident, hash-chained record of every check performed. When your auditor or examiner asks how the file was built, you hand them the log.
A named reviewer signs everything
Technology does the heavy lifting; accountability stays human. An experienced reviewer checks and signs every package before it reaches you. The math is computed, never estimated.
Lender-paid, by the book
We operate as a lender service provider under SBA's rules: fees are paid by the lender, never the borrower, under a standard LSP agreement. Clean for your compliance team from day one.
Straight answers, in writing.
Plain-language summaries, not legal advice. Where they differ from the official rules (SBA SOP 50 10 and 13 CFR), the official rules win.
You do. Always. Sevanae prepares the file: eligibility screening, financial spreading, document assembly, and the checklist. Your credit officer and your credit policy make the decision. Think of us as your SBA back office, not your credit committee.
An eligibility review against the current SOP 50 10, financial spreads with debt-service coverage computed from source documents, the complete document checklist (borrower forms, transcripts authorization, debt schedule, use-of-proceeds support), assembly in your format, and a review and signature by a named reviewer, with an evidence log attached.
As a lender service provider (LSP) under 13 CFR Part 103: a written LSP agreement with each lender, submitted to the SBA. Compensation comes from the lender only, never the borrower, so there is no borrower-fee disclosure issue and no two-master conflict.
The file answers for itself. Every number traces to the exact page of the source document it came from, every check performed is recorded in a tamper-evident, hash-chained log, and a named reviewer signed the package. That record is built for your examiner, your auditor, and a guaranty purchase review.
Packaging is priced flat by loan size on a published ladder. The ladder tops out at $2,000: on a $5M loan you still pay $2,000, not a percentage. More than half of all 7(a) approvals are now under $150K, where a typical $2,000–4,000 packaging fee breaks the deal's economics; the ladder exists so the fee never breaks a deal at any size.
An independent check of a completed 7(a) package before it goes to SBA, whether your team prepared it or another shop did. We verify eligibility, documents, and the math against the current SOP 50 10 and return a written findings memo, signed by a named reviewer, the same business day. The first review is free.
SBA retired the SBSS credit score for 7(a) Small loans effective March 1, 2026. Lenders must now document real credit analysis on small loans using their own credit model. That is precisely the analysis and documentation our files carry, computed from tax returns and financials, not generated text.
No. Borrower documents are used only to prepare your file: encrypted in transit and at rest, access limited to the reviewing human, processed in the US, never used to train models, and retained or deleted per the schedule in our agreement. Personal identifiers are tokenized at ingestion.
Two free files, run in parallel with your current process: you pick two recent or live deals, we package them alongside your existing workflow, and your credit officer compares the results side by side. No contract, no software, no commitment.
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Two files. Free. In parallel with your current process.
Send a sentence and we'll set it up: you pick two live or recent deals, we package them alongside your existing workflow, and you compare the results side by side. No contract, no commitment, no software to install.
A good fit if you are
- A bank or credit union doing anywhere from a handful to hundreds of SBA loans a year
- A lender whose borrowers ask for 7(a) loans you currently turn away
- A lending team passing on small-dollar deals because packaging costs kill them
- An SBA veteran, partner, or investor who wants to talk: we answer everyone