Submission-ready SBA loan files. In days, not weeks.
Send us your borrower's raw documents. Get back a complete, guarantee-safe 7(a) package: eligibility screened against SOP 50 10, financials spread, every checklist item closed, reviewed and signed by an accountable human. Standard LSP rates, lender-paid per SBA rules, and a $750 flat tier for the small-dollar files nobody else wants.
Your borrowers want SBA loans. We make saying yes easy.
Days, not weeks.
The industry standard is three weeks per package. We deliver in days, so your borrower closes faster and your deal doesn't die waiting on paperwork. No SBA back office to hire, train, or manage on your side.
Nothing missed. Ever.
Every file is screened against SOP 50 10, every checklist item is closed, and the math is computed, never estimated. A named, experienced reviewer signs every package before it reaches you. Your guarantee stays safe because the file is right.
Standard rates. Or less.
Market LSP rates on standard files and a $750 flat tier for small-dollar loans, the files most shops won't touch. Lender-paid only, exactly as SBA rules require. Nothing to install, no seats, no contracts to commit to before you've seen our work.
Three ways to start. All of them low-risk.
Follow one loan file through the shop.
Our agents do the heavy lifting; an experienced human reviews and signs everything before it reaches you. Here's exactly what happens to a file between your email and your submission-ready package.
Intake
A community bank sends a borrower's raw documents: tax returns, financial statements, debt schedules, licenses. Agents classify, extract, and index every page in minutes.
Eligibility screen
Agents test the deal against SBA's rulebook (SOP 50 10): size standards, use of proceeds, affiliation, credit elsewhere. Problems surface on day one, not at closing.
Financial spreading
Three years of financials normalized, ratios computed, repayment ability documented in the lender's format. The work a junior analyst spends days on, done before lunch.
Package assembly
The complete, guarantee-safe file is assembled against the live checklist: every form, every exhibit, every signature flagged. Nothing missing, because checklists are what machines never skip.
The human gate
One experienced human reviews every file before it ships: Sathish Serman, Operandi's founder, with twenty years of banking software behind the signature, including JP Morgan's syndicated loan systems as a Vice President. Agents do the work; a named human signs it.
Delivery
You receive a submission-ready package in days, with the complete record of every check performed attached. You pay the standard per-file fee, lender-paid per SBA rules. Your borrower closes; you keep the relationship and the loan.
Every file carries a tamper-evident, hash-chained record of every check performed. When your auditor or examiner asks how the file was built, you hand them the log.
Technology does the heavy lifting; accountability stays human. An experienced reviewer checks and signs every package before it reaches you. The math is computed, never estimated.
We operate as a lender service provider under SBA's rules: fees are paid by the lender, never the borrower, under a standard LSP agreement. Clean for your compliance team from day one.
What your bank gets: submission-ready SBA files, in days, at the price you already pay.
You send the borrower's raw documents. We return a complete, guarantee-safe 7(a) package: eligibility screened against SOP 50 10, financials spread, every checklist item closed, reviewed and signed by an accountable human. You keep the borrower relationship and the loan. We handle the paperwork that was keeping you out of the program.
Days, not weeks
Packages delivered in days instead of the three-week industry standard. Your borrower closes faster; your team never builds an SBA back office.
Standard rates, or less
Market LSP rates on standard files, and a $750 tier for the small-dollar loans no packaging shop wants. Lender-paid only, per SBA rules. Your first two files are free, run in parallel with your current process.
Nothing missed, everything logged
Every file carries a complete, tamper-evident record of every check performed: ready for your credit committee, your auditor, and your examiner. A named reviewer signs every package.
Straight answers, in writing. *
Who makes the credit decision?
You do. Always. Operandi prepares the file: eligibility screening, financial spreading, document assembly, and the checklist. Your credit officer and your credit policy make the decision. Think of us as your SBA back office, not your credit committee.
What exactly is in a packaged file?
An eligibility review against the current SOP 50 10, financial spreads with debt-service coverage computed from source documents, the complete document checklist (borrower forms, transcripts authorization, debt schedule, use-of-proceeds support), assembly in your format, and a review and signature by a named reviewer, with an evidence log attached.
Under what authority does Operandi operate?
As a lender service provider (LSP) under 13 CFR Part 103: a written LSP agreement with each lender, submitted to the SBA. Compensation comes from the lender only, never the borrower, so there is no borrower-fee disclosure issue and no two-master conflict.
If SBA ever questions a file, what happens?
The file answers for itself. Every number traces to the exact page of the source document it came from, every check performed is recorded in a tamper-evident, hash-chained log, and a named reviewer signed the package. That record is built for your examiner, your auditor, and a guaranty purchase review.
How does the $750 small-dollar tier work?
A flat $750 per file for 7(a) loans of $150,000 or less. More than half of all 7(a) approvals are now under $150K, where a $2,000-4,000 packaging fee breaks the deal's economics, so most shops won't touch them. Our cost structure makes those files worth doing. Standard-size files run at market LSP rates.
Why does the March 2026 small-loan change matter?
SBA retired the SBSS credit score for 7(a) Small loans effective March 1, 2026. Lenders must now document real credit analysis on small loans using their own credit model. That is precisely the analysis and documentation our files carry, computed from tax returns and financials, not generated text.
Is our borrowers' data used to train AI?
No. Borrower documents are used only to prepare your file: encrypted in transit and at rest, access limited to the reviewing human, processed in the US, never used to train models, and retained or deleted per the schedule in our agreement.
How do we start?
Two free files, run in parallel with your current process: you pick two recent or live deals, we package them alongside your existing workflow, and your credit officer compares the results side by side. No contract, no software, no commitment.
Two files. Free. In parallel with your current process.
Send a sentence and we'll set it up: you pick two live or recent deals, we package them alongside your existing workflow, and you compare the results side by side. No contract, no commitment, no software to install. If we're not faster and more complete, you walk away having risked nothing.
A good fit if you are
- A community bank or credit union doing a handful of SBA loans a year
- A lender whose borrowers ask for 7(a) loans you currently turn away
- A lending team passing on small-dollar deals because packaging costs kill them
- An SBA veteran, partner, or investor who wants to talk: we answer everyone