We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
SBA Underwriting and Loan Placement
Most borrowers searching for “SBA loan underwriting memo template” are not looking for theory. They are trying to get a real lender to issue terms without endless back-and-forth.
An SBA loan underwriting memo is the document that translates your deal into a credit committee narrative. It is how a lender answers one question: why is this loan repayable under conservative assumptions?
Financely builds lender-ready SBA underwriting packages and introduces qualified borrowers to our lender network. You get a structured memo, a complete file, and targeted outreach for SBA 7(a) and SBA 504 transactions.
An SBA loan underwriting memo is a lender-facing credit write-up that summarizes the borrower, the transaction, the repayment story, and the risk controls. In plain terms, it is the internal document a loan officer uses to get a “yes” from credit. It is also the fastest way to reduce friction because it answers the standard lender questions in a single, organized narrative instead of scattering answers across emails and attachments.
When borrowers ask for an SBA underwriting memo example, what they actually need is the structure lenders recognize: eligibility, use of proceeds, management strength, historical performance, projected cash flow, debt service coverage, collateral, conditions to close, and a clean list of risks with mitigants.
The most common failure mode is not “bad credit.” It is a weak submission. A lender receives a partial file, then asks for basic items one at a time. That creates delays, inconsistency, and often a silent decline. A strong SBA loan submission package fixes this by bringing the entire story into one place, with documents indexed to match how credit teams work.
If you are searching “how to get an SBA loan approved faster,” the honest answer is: submit a complete package that makes underwriting easy. An underwriting memo is not decoration. It is the tool that makes the deal understandable and financeable.
The memo structure is consistent, but the emphasis changes by deal type. SBA 7(a) loans tend to emphasize global cash flow, ownership and guarantor strength, and use-of-proceeds flexibility. SBA 504 loans tend to emphasize fixed-asset economics, owner-occupancy, and project costs tied to the real estate or equipment.
In an acquisition, the memo must explain the purchase price logic, transition plan, and continuity of cash flow. Lenders care about whether the business can maintain performance after ownership changes. If your intent is acquisition-led, this page is usually relevant: Business Acquisition Loans.
For owner-occupied property, the memo must define occupancy and why the property supports operations. “Owner-occupied” matters because SBA is designed around operating businesses, not passive property investing. A clean memo makes this distinction explicit.
Expansion deals require a realistic budget and evidence that the build-out drives revenue, capacity, or margin. Lenders push back on vague projections. The memo must connect capex to measurable outcomes and show downside resilience.
Working capital is often treated as “extra,” but lenders underwrite the purpose. The memo must define what working capital funds and why it improves stability. That clarity also helps pricing and reduces covenant pressure later.
Many borrowers see underwriting terms and treat them as jargon. In an SBA credit committee, these terms are the decision levers. If you understand them, you can build a stronger narrative and avoid avoidable lender objections.
DSCR, or debt service coverage ratio, measures how comfortably cash flow covers the loan payment. If DSCR is thin, the lender assumes a small shock could cause default. A lender-ready memo shows base case DSCR, conservative DSCR, and the drivers behind the difference.
Global cash flow is the combined view of the business, borrower, and guarantor obligations. Lenders use it to see whether the borrower can handle this loan alongside existing debt. A strong memo shows a clear sources-of-repayment story and where the cushion sits.
Sources and uses is the map of where money comes from and where it goes. It matters because it reveals hidden gaps. A clean sources-and-uses schedule prevents last-minute surprises like missing closing costs, insufficient equity injection, or undocumented deposits.
Equity injection is the borrower’s real commitment to the deal. Lenders want “skin in the game,” but they also want survivability. Liquidity after close is what keeps the borrower stable when revenue dips, expenses rise, or a transition takes longer than expected.
If you are searching “SBA loan credit memo template,” here is what lenders expect, section by section. The goal is not writing a long document for its own sake. The goal is to eliminate uncertainty and make the credit decision easier.
Loan amount, program (SBA 7(a) or SBA 504), use of proceeds, borrower overview, and the core repayment thesis. This is where you state the request clearly, including key terms you are seeking and why the structure fits.
Who runs the business and why they can execute. In acquisitions, this includes transition and continuity planning. Lenders underwrite people as much as numbers, especially in owner-operated businesses.
Purchase agreement or project description, timeline, and what each dollar funds. The more concrete this is, the fewer lender follow-ups appear later.
Historical financial performance, normalized earnings logic, projections with assumptions, and DSCR analysis. This section is where lender decisions happen. A good memo includes downside cases that prove realism.
Lenders want to know what they can claim if the loan defaults. “Collateral” is not only real estate. It can include business assets, liens, and structured security documentation. For reference, many lenders align security preparation with All-Asset Lien Packages when appropriate.
Every deal has risks. A credible memo names them and shows how they are mitigated. Conditions to close are the items required before funding, such as insurance, appraisals, environmental items, entity documents, and final underwriting confirmations.
Borrowers often search for “SBA underwriting checklist” because they want a clear list of what to gather. The exact list varies by lender, but the pattern is stable. If you deliver this in a clean data room structure, you reduce cycle time and raise approval probability.
Packaging tip: lenders respond faster when documents are named and indexed consistently. A chaotic upload folder signals chaotic operations, even when the business is strong.
Financely is not a lender. We operate as a transaction-led underwriting and placement desk. Our job is to turn your deal into a lender-ready file and put it in front of the right credit teams in our lender network. That is the difference between “I submitted an SBA application” and “I have term sheets and conditions.”
We do three things that borrowers struggle to do alone: (1) we build the SBA loan underwriting memo, (2) we normalize and index the supporting package so it reads cleanly, and (3) we route it to lenders that match the deal type, size, and profile.
To understand our operating model, review How It Works and What We Do.
Many borrowers waste time by chasing directories, “SBA lender rankings,” or “SBA lenders near me.” That is not a strategy. It is a guess. Different lenders have different appetites for industry, geography, deal size, collateral profile, and borrower characteristics.
A lender network matters because it allows targeted routing. Instead of broadcasting your deal to everyone, you focus on lenders who actively quote your profile. The underwriting memo and packaging make the lender conversation productive because the lender is reading a complete credit story.
Many borrowers want to validate SBA program basics and lender discovery tools. These pages can help orient you before you package your request: SBA 7(a) Loans , SBA 504 Loans , and SBA Lender Match.
These explain programs. They do not build your underwriting memo and they do not package your file. That is where our service fits.
A lender may not ask you for a document called “SBA loan underwriting memo,” but every lender creates an internal memo or credit narrative. If you provide a lender-ready memo upfront, you reduce confusion and shorten the underwriting cycle. This is especially useful for SBA 7(a) business acquisition loans, owner-occupied real estate, and transactions with multiple uses of proceeds.
A practical SBA loan underwriting memo template includes the loan request, borrower overview, ownership and management narrative, use of proceeds, historical performance, projected cash flow assumptions, DSCR and global cash flow analysis, collateral and security notes, risks and mitigants, and a conditions-to-close checklist. A strong memo defines terms in plain language and backs claims with documents.
Timelines vary by lender, volume, and deal complexity. What is controllable is friction. A complete SBA loan submission package with a clear underwriting memo reduces the number of “one more document” loops that can extend timelines. If your goal is speed, completeness and clarity matter as much as credit strength.
No. Lenders decide. Financely is an advisory and placement desk. We improve your probability by building the lender-ready underwriting memo and routing your request to lenders in our network that match the deal profile. The output is lender decisions: term sheets or written declines, based on underwriting.
If you want an SBA lender-ready package that credit teams can actually underwrite, submit your deal to request a quote. Financely will build the underwriting memo, organize the supporting documents, and introduce the transaction to matching lenders in our network.
Request A QuoteIf you want better SBA outcomes, stop thinking “application.” Think “underwriting memo plus lender-ready package.” That is what credit committees actually decide on.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
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All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
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Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.
Financely and its affiliates are not registered as securities broker-dealers and do not execute securities transactions or hold client funds or securities. When a mandate involves the purchase or sale of securities and a registered intermediary is required, any orders are introduced to and executed by one or more independent U.S. broker-dealers registered with the SEC and FINRA. Those broker-dealers are solely responsible for trade execution, custody, and related regulatory obligations. Nothing in this material constitutes an offer, solicitation, or recommendation to buy or sell any security or to engage in any specific transaction. Before engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate, you are responsible for confirming that such engagement complies with your own legal, regulatory, tax, and other requirements. In the United States, certain advisory activities may be conducted in reliance on exemptions available under the Investment Advisers Act of 1940, including the “foreign private adviser” exemption where applicable. Our services and regulatory status may vary by jurisdiction and by transaction type.
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