SBA EXPERT SOP_INTELLIGENCE_V1
The proven tool for navigating SBA lending. A RAG engine trained on the full Standard Operating Procedure plus every technical update, extended into a guided assistant that shapes decisions, generates checklists, drafts tailored correspondence, and automates the grind.
Four engines, one file.
RAG on the SOP
Full-text retrieval over SOP 50 10 8, procedural notices, and technical updates. Every answer is cited back to the exact paragraph.
Guided Reasoning
Walks underwriters through eligibility, affiliation, and credit calls with zero-assumption prompts and confidence-locked recommendations.
Checklists & Drafts
Generates file-specific needs lists, credit memos, and borrower-ready emails tailored to each loan's structure and deficiencies.
Workflow Engine
Automates document intake, data extraction, DSCR math, and routing into your LOS or CRM through scoped connectors.
A model that actually knows the SOP.
General-purpose chatbots hallucinate on SBA rules, and outdated marketing copy puts your guarantee at risk. SBA Expert is grounded in the current SOP, procedural notices, and every technical update, indexed down to the paragraph with inline citations on every response.
Cited, not guessed
Every answer links back to the exact SOP section, notice, or update.
Update-aware
Technical updates and procedural notices are re-indexed the day they drop.
Scoped to your program
Overlay your institution's credit policy and lender delegation rules on top of the SOP.
Yes. Any individual owning 20% or more of the small business applicant must provide an unlimited personal guaranty.
For an affiliate with a 20%+ owner, that owner must guarantee if the affiliate's financials were relied upon for repayment.
Does the applicant have any affiliates by common management?
Replace the blank page with intelligent menus.
Underwriters do not need a chatbot; they need a partner that refuses to guess. SBA Expert sequences every decision, surfaces the exact SOP triggers, and blocks advice until the file meets a confidence threshold. The result is a defensible trail from intake to authorization.
Know the risk of every last-minute call.
Every file has non-negotiables and flexibilities. When a deal needs to move and an exception lands on the table, SBA Expert scores the guarantee-repair risk of that specific waiver, drafts the SOP-required justification memo, and flags when a judgment call crosses into repair territory. Informed risk, fully documented.
Repair Risk Score
Quantifies the guarantee-repair exposure of each proposed exception against current SOP triggers and your institution's delegated authority.
Justification Memo
Auto-drafts the lender-discretion memo the SOP requires for any documented exception, citing the exact authority and mitigants.
Hard-Stop Flags
Draws the line between defensible judgment calls and the waivers that break the guarantee. Nothing ships if the line is crossed.
Defensible with documented mitigants. Justification memo drafted to Exception-LN47291.docx
Every artifact a committee wants to see.
Credit Narratives
Structured credit memos that justify eligibility against the current SOP, tailored to your institution's format.
Borrower Needs Lists
File-specific documentation checklists. No boilerplate. Only what this loan actually needs.
Tailored Correspondence
Borrower emails, deficiency notices, and referral letters drafted from the current state of the file.
Affiliate Maps
Corporate family trees with ownership and control percentages to satisfy size standard tests.
Repair Risk Score
A pre-authorization audit that flags potential guarantee repair triggers before the file leaves your desk.
Decision Logs
Timestamped record of every guided selection and citation. An unbreakable trail for examiners and SBA auditors.
Deploy SBA Expert to your lending team.
Pilot deployments run in under two weeks. We overlay your institution's credit policy, delegated authority rules, and LOS integrations on top of the SOP core.