7(a) and 504 applications assembled the way an SBA underwriter reads them — by a bookkeeping firm led by a banker with 40+ years in business lending.
Free review · Flat-fee scope · 7(a), 504, and Express
Douglas Caire spent four decades in commercial banking and business lending — reviewing, underwriting, and declining these exact packages before building them for borrowers.
We calculate your DSCR before submission so you hear where you stand from us, not from a decline letter after 60 days.
Send your QuickBooks file or three months of statements and the loan you want. You get a written read on what the package needs.
Packaging and any required cleanup are scoped as a fixed price after the review — no hourly meter while a lender changes its mind.
An SBA credit officer is reading for consistency: do the returns tie to the books, does the debt schedule match Form 2202, do the projections support the payment. Here is everything a complete package contains.
Run your own numbers first with the free SBA loan calculator and DSCR calculator, then read the SBA loan bookkeeping guide for the full document checklist. Already have statements you want checked? Start with loan-ready financials.
Send the QuickBooks file or three months of statements and tell us the program and amount. We write back with the gaps, the coverage math, and a flat-fee scope — usually within one business day.
You tell us the program, the amount, and the use of funds. We read the books the way a credit officer would and write back with the gaps and the realistic path.
Before paperwork, we confirm eligible use, size standards, affiliation, equity injection, and whether 7(a) or 504 fits the request better.
Statements re-cut to lender format, debt schedule and DSCR built, forms 1919, 413, and 2202 completed, projections modeled, and the narrative written.
We help you pick the right Houston lender, submit a file that answers the standard questions in advance, and handle the financial follow-ups through closing.
The workhorse program. Underwriting turns on historical cash flow, the debt schedule, and projections that support the new payment.
Seller financials, a quality-of-earnings style review, and pro forma projections for the combined entity, plus the equity injection trail.
Requires clean historical equity records and a valuation the lender accepts. We prepare both alongside the application forms.
Two lenders, two credit memos, and occupancy math that has to be right the first time. We assemble one package that satisfies both.
Fixed-asset detail, quotes, useful-life support, and a payback analysis on the machine you are financing.
Faster programs, same document quality. Receivable aging and a rolling forecast show the line is seasonal, not permanent.
SBA loan packaging is the work of assembling a complete, underwriting-ready application: the SBA forms, historical and interim financial statements in lender format, a business debt schedule, a documented DSCR calculation, projections with written assumptions, a use-of-funds schedule, and a written narrative explaining the request. A packaged file gets a credit decision; a pile of documents gets questions.
Most 7(a) files require SBA Form 1919, Form 413 personal financial statements for every owner of 20% or more, Form 2202 schedule of liabilities, three years of business tax returns, personal tax returns, year-to-date P&L and balance sheet dated within 90 days, a complete business debt schedule, receivable and payable aging, and 12 to 24 months of projections with assumptions. Acquisitions add the purchase agreement, seller financials, and a valuation.
It is quoted as a flat fee after the free review, and the number depends mostly on how much bookkeeping cleanup the file needs before packaging can start. Ongoing monthly bookkeeping clients pay less because the statements are already lender-format. See the pricing page for monthly bookkeeping ranges.
Yes, but the books come first — an underwriter cannot approve statements that do not reconcile. We routinely rebuild two months to two years of history at a flat fee, then package from the corrected data. Start with the free review so you know the scope and timeline before you approach a lender.
No, and no honest packager does — the credit decision belongs to the lender and the SBA. What we control is whether the file is complete, internally consistent, and answers the underwriter's questions before they are asked, and whether you learn about a coverage or eligibility problem before you spend two months in underwriting.
Most SBA 7(a) and 504 lenders want a global debt service coverage ratio of 1.25x or better, calculated on cash flow available for debt service divided by total annual debt service including the proposed loan. You can run your own number first with our free DSCR calculator, then we verify it the way the credit memo will.
Yes. After four decades in Houston commercial banking, we know which local preferred lenders are active in which industries and loan sizes. We introduce you to the ones that fit your request and re-cut the package to their template when needed.
No. We are based in Greater Houston and meet in person across Katy, Cypress, Spring, Sugar Land, The Woodlands, Tomball, Conroe, Jersey Village, and Klein, but the packaging work is done remotely in QuickBooks Online and we serve clients across Texas.
Tell us the program, the amount, and what the money is for. We'll review your books, calculate the coverage a credit officer will calculate, and quote a flat fee to build the package — usually within one business day.
Prefer email? Use the contact form and we'll follow up with a written scope and price.
Send your QuickBooks file or last three bank statements and tell us the loan you want. We'll send back what an SBA underwriter would flag plus a flat-fee scope.
Prefer to talk now? Call (281) 301-1550.
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