Get the SBA 7(a) Loan, Fund Your Business

What you'll show the lender

A working-capital 7(a) comes down to three things the borrower has to demonstrate. This package helps you prove each one.

The good news for an existing business: a general working-capital 7(a) needs no down payment — the 10% injection rule is for acquisitions and startups, not an operating company borrowing to grow. What you do have to demonstrate is straightforward, and the evidence comes straight out of your own numbers.

It covers the new paymentThe business throws off enough to cover the new loan and any debt that stays — shown from your tax returns first, then forward.

The money goes somewhere productiveWorking capital, equipment, an eligible refinance, expansion, a partner buyout — each use eligible and itemized.

The refinance is a real benefitIf you're refinancing, the new payment clears the SBA's 10% reduction test — on eligible, current debt.

What's inside

An 18-tab workbook built to SOP 50 10 8, and a guide that assumes you know nothing about SBA loans.

Loan Request & Use of Proceeds — sizes the loan to your uses (working capital, equipment, leasehold, refinance, partner buyout) and computes the FY2026 guaranty fee.
Debt-Refinance Analysis — old payment vs new, the monthly savings, and the SBA's ≥10% payment-reduction test — with the current-12-months and MCA/factoring eligibility checks built in.
Partner Buyout — the change-of-ownership-between-owners rules: the 24-month-active and 9:1 debt-to-worth tests that can drop the injection to zero, co-borrower and two-year-guaranty checks.
A real month-by-month, 3-statement model — P&L, cash flow, and balance sheet for 36 months, balancing to the penny, with Year-1 revenue entered month by month for real seasonality.
Historical & global DSC — the strongest card for an existing business: proof it already covers the proposed payment, plus the household view.
Collateral & liquidity, Form 413, Form 2202, Sensitivity — every section the lender's credit memo contains, including the reminder that a 7(a) isn't declined for collateral alone.
A 30-second Deal Screener up front, and a one-page Credit Summary at the back your lender can file as-is.
The guide — Get the SBA 7(a) Loan, Fund Your Business: thirteen plain-English chapters, a 2026 briefing, and a full glossary of every 7(a) term.

One number pays for it

This isn't priced against other spreadsheets. It's priced against what the alternative costs — and against what the loan does for your business.

A loan packager charges thousands to assemble this by hand. But the real comparison is bigger: the high-rate debt you refinance into a lower payment, the equipment that lifts your capacity, the working capital that lets you take the bigger order. Refinancing a single expensive loan can return the price of this package in a few months of payment savings alone — and you keep the model for the next request.

How it compares

There's cheap-and-generic, and there's expensive-and-human. This is the gap in between.

Option	Cost	What you get
Free templates (SBDC / SCORE)	$0	Generic projections; not 7(a)-specific, no use-of-proceeds logic, no refinance or coverage tests.
Online projection templates	$10–$300	A projection, not a 7(a) package — no guaranty fee, no combined coverage, no refinance or buyout logic.
SBA loan packager / consultant	$2,000–$4,000	The real thing, by hand — expensive, per deal, and on their schedule.
This package	$349	The packager's deliverable, productized and 7(a)-specific: use of proceeds, the refinance and buyout rules, the guaranty-fee math, and a balancing monthly model. Self-serve and immediate.

Who it's for

Owners borrowing to grow or refinance — the core: the package and the plain-English guide to build it.

SBA lenders & BDOs — hand it to borrowers; a clean, complete file is less rework for you.

SBA loan brokers — a borrower who arrives prepared in days, not weeks, so you place the deal faster.

CPAs & advisors — a ready model for the client funding working capital or a buyout.

Owners refinancing high-rate debt — the savings case, laid out to the SBA's own test.

Partners structuring a buyout — the change-of-ownership math, ready to run.

For loan brokers, BDOs & lenders

Your borrowers ask the same question every week. Hand them the answer — with your name on it.

The financial package the borrower can't build is what stalls your files. This guide and workbook turn an unprepared owner into a fundable one — the use of proceeds, the refinance and buyout tests, the combined coverage, and the lender-ready Credit Summary. Everyone in the chain only gets paid if the deal closes — a borrower who quits at the financing step takes the payday with them. Keeping more of them in raises the percentage of your deals that close.

Co-brand it free. Put your name, photo, and number on the tool and hand it to every borrower. Referral arrangements for paid packagers; brokerage and association licensing available.

Become a partner →

Get the complete package

Sold as one — the guide and the workbook together. The guide is not sold separately.

The Complete Package

$349

The guide plus the 18-tab workbook — Loan Request & Use of Proceeds, Debt-Refinance Analysis, Partner Buyout, the monthly three-statement model, historical & global DSC, sensitivity, collateral, Form 413, Form 2202, and the lender-ready Credit Summary. Single-user license, updates within the edition.

Buy the package →

Part of the Baratelli SBA suite — pairs with the 7(a) Acquisition and 504 CRE editions. Annual updates subscription (new SOP, fees, and rates): $99/yr. Lender, broker, and firm licensing available; contact the Institute.

Questions

Is this a guarantee I'll get the loan?: No. It's a preparation tool: it builds the package and tests your deal against the current 7(a) rules, but only your lender makes the credit decision. What it does is get you to their door with a complete, correct package in the language they speak.
Do I need a down payment?: For a general working-capital or equipment 7(a) to an existing business, no — the 10% injection rule applies to acquisitions and startups, not to an operating company borrowing to grow. A partner buyout is the one exception, and even then the requirement often drops to zero if your business is healthy enough; the workbook runs that test for you.
What's the difference between a 7(a) and a 504?: The 7(a) funds working capital, equipment, refinancing, expansion, and partner buyouts. The 504 is only for owner-occupied real estate and large equipment. We make a separate edition for each — this is the 7(a) working-capital edition.
Can I really refinance my expensive debt?: Often, yes — the workbook shows the new payment, the savings, and whether it clears the SBA's ≥10% reduction test on eligible, current debt. Note that merchant cash advances and factoring aren't eligible, and you generally can't refinance existing SBA debt; the tool flags both.
Are the rules current?: Yes — built to SOP 50 10 8 and the FY2026 guaranty-fee schedule and rate caps. Those inputs are editable, and the update subscription keeps pace.

Backed by a 30-day money-back guarantee. Authored by Philip A. Baratelli, CPA, MBA — former public-company CFO, corporate controller and treasurer, and family-office CFO. The model and the guide he built so an owner could fund the business without the paperwork stopping them.

Get the package →