Does this SBA readiness checker guarantee approval?

No. The checker is an educational preparation tool and does not represent an SBA lender decision, eligibility determination, or loan approval.

SBA 7(a) prep worksheet

Check loan readiness before you contact a lender.

Q: Is SBA Ready Desk a lender or broker?

No. SBA Ready Desk is not a lender, loan broker, financial advisor, attorney, or tax advisor.

Estimate whether an SBA 7(a) profile looks lender-ready, identify missing documents, and model monthly debt service in one browser-based tool.

ScoreReadiness profile, not approval

DocsChecklist by loan purpose

7(a)Built around SBA prep intent

Readiness file

PREP ONLY

Business operates in the U.S.?

For-profit business?

Loan purpose

Desired loan amount

Years in business

Annual revenue

Monthly net profit / EBITDA

Existing monthly debt payments

Estimated personal credit score

Estimated interest rate %

Estimated loan term years

Collateral available?

Business tax returns ready?

Financial statements ready?

Business plan or use-of-funds summary?

Readiness score0/100

Readiness statusEstimate

Estimated payment$0

Cash flow coverageN/A

Readiness noteEstimate

Risk notes

Missing documents

Loan amount

Interest rate %

Term years

Monthly payment$0

Total paid$0

Total interest$0

Loan purpose

Document checklist

Positioning

This is a preparation tool, not a loan decision.

SBA 7(a) loans can be used for common business purposes such as working capital, equipment, real estate, business acquisition, and eligible refinancing. The SBA states that 7(a) loans are its primary business loan program and can be made up to $5 million.

Use this tool to organize assumptions and documents before lender outreach. For official program information, review SBA 7(a) loans and SBA Lender Match.

SBA Ready Desk is for educational and informational purposes only. It does not provide financial, legal, tax, or lending advice. Results are estimates based on your inputs and do not represent SBA eligibility, lender underwriting, loan approval, rate quotes, or commitment to lend. SBA Ready Desk is not a lender, loan broker, financial advisor, attorney, CPA, or representative of the U.S. Small Business Administration.