Auto-Prepare SBA Documents. Priority Submissions. Faster Funding.

PrepSBA guided wizard — Step 6 of 15 Financial Snapshot

Auto-Prepare SBA Docs with Expert Guidance.

PrepSBA turns weeks of SBA paperwork into one guided session. As a borrower, you get easier document prep, lightning-fast submission, and a higher chance of approval — forms 1919 & 413 auto-filled, projections calculated, and your full lender-ready package exportable in 30 minutes. Whether you're tackling SBA loan preparation for a 7(a) or 504 loan, PrepSBA guides you start to finish. As a lender, you receive fully drafted SBA docs straight from your borrowers, ready for your final review — no more chasing incomplete or misformatted applications. See exactly which SBA loan documents we prepare for you.

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The Problem

Tired of drowning in SBA paperwork?

Last year, thousands of worthy small businesses gave up on SBA funding because the process was too complex, too slow, and too easy to get wrong.

Hours of confusing forms and unclear instructions
Missing documents that delay or kill your application
Manual calculations and error-prone pro formas
Back-and-forth with lenders that drags on for weeks
Months of frustration with no clear path forward

The stress and complexity of traditional SBA paperwork

Traditional SBA Application

Average time: 3–6 months

SBA Form 1919✗ Missing signature on page 3

3-Year Tax Returns✗ Wrong format — lender rejected

Personal Financial Statement✗ Form 413 outdated

Debt Schedule✗ Spreadsheet errors found

Business Plan✗ Projections don't match P&L

The Solution

PrepSBA Makes It Simple

The smartest way to apply for SBA loans — built like TurboTax. Step-by-step guidance, real-time error catching, and a lender-ready package when you're done.

Guided Wizard: Built-in guidance step-by-step for the whole application.
Lightning Fast: Finish your complete application in ~30–45 minutes, not 3 months.
AI-Powered: Smart suggestions, automated projections, and real-time document insights.
Error-Free: Real-time validation catches mistakes before lenders do.
Lender-Ready: Professional exports, filled SBA forms, complete packages — on demand.

The simple, fast PrepSBA experience — a clean dashboard with completed SBA forms

PrepSBA Application

Average time: 30–45 minutes

SBA Form 1919✓ Auto-filled & signed

3-Year Tax Returns✓ Organized & verified

Personal Financial Statement✓ Form 413 completed

Debt Schedule✓ Calculated automatically

Business Plan✓ Projections match P&L

Features

One Delightful Platform

From first question to funded — every tool you need in one place.

Guided Wizard

Multi-step stepper with auto-save, progress tracking, and conditional questions.

AI Assistance

Real-time suggestions, document insights, and automated cash flow projections.

Real-time Validation

Instant error highlighting with plain-English explanations before you submit.

Smart Documents

Upload once → auto-categorize. Clear guidance on every required file.

Lender-Ready Outputs

Auto-filled SBA forms 1919 & 413, debt schedules, and full export packages.

Bank-Grade Security

Supabase + encryption, Row Level Security, audit logs, SOC 2-ready.

White-Label Portals

Branded lender portals with team dashboards and borrower analytics.

Approval Optimizer

AI flags potential red flags and suggests improvements before you submit.

How It Works

Simple as 1-2-3

Go from zero to a complete SBA application package in under an hour.

Tell Us About Your Business

Business info, ownership, loan purpose, and financials — guided by smart questions that skip what's irrelevant to you.

What You'll Provide

→Business name & type

→Ownership & management

→Loan amount & purpose

→Basic financial data

Guided Document Uploads

We tell you exactly what's needed, why it's needed, and what to do if you don't have it.

What You'll Provide

→Business & personal tax returns

→Financial statements & bank statements

→Ownership documents & photo ID

→Business plan / use of proceeds

Review & Export

AI generates your pro formas, fills your SBA forms, and assembles a complete lender-ready package.

Outputs Generated

↓SBA Submission Checklist (Cover Sheet)

↓Cover Letter

↓Business Plan

↓Detailed Use of Proceeds

↓Pro Forma Income Statement

↓Cash Flow Projections

↓Pro Forma Balance Sheet

↓Competitor Analysis

↓Borrower Experience Narrative

↓SBA Form 413 (Personal Financial Statement)

↓SBA Form 1919 (Borrower Information)

↓Business Debt Schedule

↓Schedule of Collateral

↓M&E Purchase Schedule

↓Draft Loan Authorization

Example Application Documents

Sample SBA documents PrepSBA generates — cover sheet, bank statement, Form 413

Reviews

Loved by Owners & Lenders

Real results from real businesses that got funded.

“I finished my entire 7(a) application in 38 minutes. The AI caught a mistake in my projections that would have caused a rejection. Game-changer.”

Sarah M.

Founder, GreenLeaf Coffee

“As a lender, we love the clean, consistent packages we receive from PrepSBA applicants. It saves our team hours per application.”

Michael Torres

SBA Lending Manager

“The conditional logic and document guidance is spot-on. Finally an SBA tool that actually understands small business complexity.”

Raj Patel

Owner, TechSolutions LLC

“Went from 3 months of frustrating paperwork to an approved application in a single afternoon. I wish this existed years ago.”

Dana Collins

Co-Founder, Bright Horizons Fitness

“The white-label portal we set up for our borrowers has been a huge competitive advantage. Clients love how easy it is.”

James Wu

VP Commercial Lending, First National Credit

“I put off applying for two years because the paperwork intimidated me. With PrepSBA I finally submitted — and got funded in under a month.”

Priya Nair

Owner, Lotus Bakery & Café

Pricing

Simple, Transparent Pricing

Start free. Pay only when you're ready for your complete lender package.

Free Preparation

free to build your application

Everything a small business owner needs to build a winning SBA application. 100% free to prepare and preview — pay nothing until your documents are done and you are happy with them.

Full wizard access (all 15 steps)
Document guidance & AI help
Real-time validation
Loan specific checklists
Full documents preview

Start Free →

Questions? Answered.

Everything you need to know about preparing your SBA documents with PrepSBA.

1What is PrepSBA?

PrepSBA is a guided software platform that prepares your complete SBA loan application for you. Instead of spending months wrestling with confusing forms, you answer simple step-by-step questions in a wizard — and PrepSBA generates a professional, lender-ready application package, including auto-filled SBA Forms 1919 and 413, business plan, financial projections, and more. Think of it as TurboTax for SBA loans: you provide the information once, and we handle the document preparation.

2How long does it take to prepare SBA documents with PrepSBA?

Most borrowers complete their entire SBA application package in 30 to 45 minutes using PrepSBA, compared to the traditional 3 to 6 month process. Our guided wizard uses conditional logic to skip irrelevant questions and AI to automate projections.

3Which SBA forms does PrepSBA fill out automatically?

PrepSBA auto-fills SBA Form 1919 (Borrower Information Form) and SBA Form 413 (Personal Financial Statement), along with business debt schedules and cash flow projections. The complete lender-ready package is generated as a professional export.

4How much does PrepSBA cost?

PrepSBA is 100% free to start and prepare your entire application. You only pay $399 one-time when you are ready to export your complete lender-ready document package. There are no hidden fees and no subscription required for borrowers.

5Is my financial data secure with PrepSBA?

Yes. PrepSBA uses bank-grade security including AES-256 encryption at rest, TLS 1.3 in transit, Supabase Row Level Security, audit logs, and SOC 2-ready infrastructure. Your data is never sold to third parties.

6Can lenders use PrepSBA too?

Yes. PrepSBA offers white-label lender portals with team dashboards, borrower analytics, custom document requirements, and criteria matching. Lenders receive pre-qualified, complete applications that match their specific lending criteria.

7What types of SBA loans does PrepSBA support?

PrepSBA currently supports SBA 7(a) loans and SBA Express loans. We are expanding to support SBA 504 loans and other SBA loan programs. The guided wizard adapts questions based on your loan type and business situation.

8What if I don't have a business plan or complete financials yet?

No problem — PrepSBA builds them for you. Based on the financial snapshot you enter, our AI generates a business plan, pro forma income statement, cash flow projections, and use-of-proceeds breakdown automatically. You only need to provide the raw numbers. Better yet, everything is saved automatically as you go, so you can enter a little now and come back later — nothing is lost if you step away.

9Do I need great credit to apply through PrepSBA?

PrepSBA works for applicants across credit ranges. During the Ownership step we capture each owner's credit score range, and the wizard tailors guidance accordingly. We prepare the strongest package possible from the information you have — PrepSBA improves your chances, it doesn't judge them.

10Can I really get a lender-ready package in one session?

Yes. Our guided wizard walks you through business identity, ownership, loan request, financials, market, management, and documents — about 30–45 minutes total. When you finish, PrepSBA generates a complete professional package that's ready to submit to your lender or to a credit union partner through Priority Submit.

11What documents are in my completed package?

Your export includes a cover letter, business plan, detailed use of proceeds, pro forma income statement, cash flow projections, pro forma balance sheet, competitor analysis, borrower experience narrative, SBA Form 413 (personal financial statement), SBA Form 1919 (borrower information), business debt schedule, schedule of collateral, and more — all formatted and ready for your lender.

Still have questions?

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