SBA Loan Process at OneFin Capital

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New Lead Submission:

• When a new lead is submitted through our website or other channels, it is immediately logged into our lead management system.
• The lead is assigned to a dedicated SBA loan specialist for further processing.
• The specialist conducts an initial review of the lead's information to determine eligibility and potential fit for an SBA loan.

Initial Call and Information Verification:

• A SBA loan specialist will contact the lead within 24 hours of submission.
• During the call, the specialist verifies the lead's information such as business name, contact details, and basic financial information.
• Any missing or unclear information is clarified during this call.

Prequalification Link Sent:

• If the information provided by the lead meets the basic eligibility criteria, they are sent a prequalification link via email or SMS.
• The prequalification link directs the lead to a secure online form where they can provide more detailed information about their business and financials.
• The lead is instructed to complete the prequalification form within a specified timeframe.

Prequalification Review:

• Upon receiving the completed prequalification form, the SBA loan specialist reviews the information provided.
• The specialist assesses the lead's eligibility for an SBA loan based on factors such as business size, financial health, creditworthiness, and compliance with SBA requirements.

Second Call and Application Link Confirmation:

• If the lead meets the prequalification criteria, they receive a second call from the SBA loan specialist.
• During this call, the specialist informs the lead that they have been prequalified for an SBA loan.
• The specialist explains the next steps in the application process and provides an estimated timeline for completion.

Application Link Sent:

• Following the confirmation call, the lead receives an email containing the link to the actual SBA loan application.
• The email includes instructions on how to access the application portal and complete the necessary forms.

Application Submission:

• The lead completes the SBA loan application and submits all required documentation through the online portal.
• The SBA loan specialist is available to provide guidance and support throughout the application process.

Application Review and Approval:

• Our team reviews the submitted application and supporting documentation to ensure compliance with SBA guidelines.
• If additional information or clarification is needed, the lead is contacted promptly.
• Upon successful review, the application is forwarded to the appropriate SBA office for final approval.

Loan Disbursement:

• Once the SBA approves the loan, funds are disbursed to the borrower's designated bank account.
• The lead is notified of the approval and provided with details on loan terms, repayment schedule, and other relevant information.

Follow-Up and Support:

• Our team continues to provide support and assistance to the borrower throughout the loan term.
• Regular check-ins and updates are conducted to ensure the borrower's satisfaction and address any concerns.
• We remain available to answer questions, provide guidance on loan management, and assist with any issues that may arise.