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SBA files fail late. A package clears credit analysis and then stalls because the totals don’t foot, an ownership document is missing, or one signature never came back — after the underwriting work has already been spent.
Trusted by financial institutions across banking, lending & credit
The Document Burden
Uptiq’s Document AI covers 16 document types across the SBA package, from application intake through post-close servicing.
An SBA package is an ordinary credit file plus an evidence file. On top of the Business Tax Return, Profit And Loss Statement, and Cash Flow Statement any lender would pull, the borrower has to produce the Sources And Use Of Funds table, the Capitalization Table, Partnership Agreements, Secretary Of State records, and Statements Of Information — documents whose job is to show who owns the business and where the money goes.
Management Resumes carry the character and capacity story, and the Business Plan has to agree with the numbers sitting elsewhere in the file. Every item is checked by hand, usually by a portfolio manager who is also covering hundreds of existing borrowers, and one unsigned page sends the whole package back after the credit work is already done.
Documents We Process
Every document below has a dedicated extraction page. This list is generated from Uptiq's Document AI registry, not hand-picked.
| Document | What Uptiq extracts |
|---|---|
| Audited Business Financial Statement | Extracts Auditor Opinion Type, Total Revenue, Net Income + 5 more fields |
| Business Credit Report | Extracts D&B PAYDEX Score, DUNS Number, Business Failure Score + 5 more fields |
| Business Debt Schedule | Extracts Total Outstanding Debt, Number of Instruments, Total Monthly Debt Service + 4 more fields |
| Business Financial Statement | Extracts Total Revenue, Net Income, Total Assets + 4 more fields |
| Business Plan | Extracts Requested Loan Amount, Use of Funds Summary, Year 1 Revenue Projection + 3 more fields |
| Business Tax Return | Pillar page covering 27 business tax forms and schedules, including Form 1065, 1120, 1120-S and Schedule K-1 |
| Capitalization Table | Extracts Holder Name, Share Class, Shares Outstanding + 5 more fields |
| Cash Flow Statement | Extracts Net Cash From Operations, Capital Expenditures, Free Cash Flow + 4 more fields |
| Credit Agreement | Extracts Facility Amount, Facility Type, Applicable Margin + 5 more fields |
| LOI | Extracts Proposed Loan Amount, Proposed Rate, Proposed Term + 5 more fields |
| Management Resumes | Extracts Principal Name, Role, Years of Industry Experience + 5 more fields |
| Partnership Agreements | Extracts Entity Name, Managing Member / General Partner, Ownership Percentages + 5 more fields |
| Profit And Loss Statement | Extracts Total Revenue, Cost of Goods Sold, Gross Profit + 4 more fields |
| Secretary Of State | Extracts Entity Legal Name, Entity Status, State Entity Number + 5 more fields |
| Sources And Use Of Funds | Extracts Total Sources, Total Uses, Loan Proceeds + 5 more fields |
| Statements Of Information | Extracts Chief Executive Officer, Officers and Directors Named, Managers / Managing Members + 5 more fields |
How It Works
The borrower’s package arrives in one submission — entity records, ownership documents, tax returns, projections, and the signed forms behind them.
Each item is identified and matched to the checklist for that file, so what is still outstanding is visible on day one, not week six.
Ownership percentages come off the Capitalization Table and Partnership Agreements; totals come off the Sources And Use Of Funds table.
Sources are footed against uses, ownership is reconciled across the entity documents, and unsigned or expired items are returned by name.
Cash flow, debt service from the Business Debt Schedule, and the principals’ track record are assembled into a write-up your credit team reviews.
Structured fields and the assembled package post into your LOS and core, then carry forward into the servicing record for portfolio monitoring.
Proven at Scale
Results represent aggregate outcomes across production deployments. Individual results may vary.
Key Benefits
Completeness checks run at intake rather than at credit review, so packages stop bouncing back for one missing schedule after the analysis is finished.
A portfolio manager carrying hundreds of borrowers can move more files because assembling and checking the package stops being the constraint.
Package data lands in the loan file and servicing records you already keep — no rip-and-replace, with a single agent typically live in five business days.
Common Questions
Related Industries
Book a 30-minute session. We'll run a live extraction demo on your own sba lending documents.
Uptiq's AI agents sit above your existing LOS, core, and CRM — no rip-and-replace, with a single agent live in 5 business days.
Bring us the workflow with the most drag. We’ll show you an agent running it.
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