About PrepSBA
PrepSBA is an SBA paperwork platform that turns weeks of paperwork into a guided, lender-ready application — for small business owners applying for SBA 7(a), Express, and 504 loans.
What PrepSBA Does
Guided Application Preparation
Answer plain-language questions about your business and PrepSBA auto-fills SBA Form 1919, Form 413, business debt schedules, and cash flow projections. The outcome: a complete application without the guesswork of interpreting government forms.
Lender-Ready Document Export
When you're done, export a professional, organized document package any SBA lender can process immediately — no missing attachments, no formatting cleanup on your end.
Loan Program Guidance
Built-in guidance explains which program fits your situation — 7(a) for working capital, 504 for commercial real estate, Express for faster decisions — so you walk into the bank prepared.
What Makes PrepSBA Different
Free to prepare — you pay only on export
Traditional SBA consultants and loan packagers typically charge $2,000–$5,000 up front, before you know whether you'll even apply. PrepSBA lets you complete your entire application free and charges a flat $399 only when you export the finished package.
30 minutes vs. weeks of paperwork
Borrowers typically finish guided preparation in about 30 minutes of focused work. Assembling the same forms manually — or coordinating with a consultant over email — routinely takes days or weeks.
You stay in control of your lender choice
Loan brokers and marketplaces like Lendio route your information to their lender networks in exchange for referral fees. PrepSBA prepares your documents for any lender you choose — we never sell or share your information.
Built by people from inside SBA lending
PrepSBA wasn't built by a generic software company. A founding team member spent over a decade inside credit unions processing SBA loans — the software encodes what actually gets applications approved, not just what fills in forms.
Transparent, flat pricing
One price, published on the site, paid once. No percentage of your loan amount, no success fees, no consulting retainers — unlike most loan preparation services.
Who Uses PrepSBA
- Small business owners preparing a first-time SBA 7(a) working-capital or expansion loan
- Owner-occupiers buying commercial property through the SBA 504 program
- Borrowers who were quoted thousands by a consultant and want a self-guided alternative
- Credit unions and SBA lender teams processing borrower applications faster
- Bookkeepers and advisors helping clients get loan-ready
The Team Behind PrepSBA
PrepSBA was founded by two people who saw the same problem from opposite sides of the lending desk.
The lending veteran. Over a decade inside credit unions, helping small business owners navigate SBA lending firsthand — and watching good businesses stall on paperwork rather than merit.
The engineer. A systems engineer who looked at the same decades-old process and saw something software could fix. PrepSBA is the result.
Founder names and social profiles coming soon.
How PrepSBA Works
- Create a free account — no payment information required, no commitment.
- Answer guided questions about your business, finances, and loan purpose in plain language — the software handles the official forms.
- Review your package and export it for a one-time $399 fee when you're ready.
- Take it to any SBA lender — or use our lender-side partners. You choose.
Support is available by email throughout preparation, and your work is saved so you can complete it across multiple sessions.
Key Facts
- Company Name
- PrepSBA
- Type
- SaaS platform (self-service)
- Founded
- 2026
- Headquarters
- Michigan, USA
- Website
- prepsba.com
- Core Offering
- SBA loan application preparation & lender-ready document export
- Pricing
- Free to prepare; $399 one-time document export
- Contract Terms
- No contracts, no subscriptions
- Services
- SBA 7(a), SBA Express, SBA 504 application preparation
- Support
- Email; work saved across sessions
- Affiliation
- Not affiliated with the SBA or any lender
Frequently Asked Questions
Is PrepSBA a lender?
No. PrepSBA is not a lender and is not affiliated with the SBA. We prepare your loan application and documentation so you can take a complete, lender-ready package to the bank of your choice.
How much does PrepSBA cost?
Preparing your application is completely free. You only pay a one-time $399 fee when you export your finished lender-ready document package. There are no subscriptions or hidden fees.
Which SBA loan programs does PrepSBA support?
PrepSBA supports SBA 7(a), SBA Express, and SBA 504 applications, including Form 1919, Form 413, debt schedules, and supporting documentation.
How long does preparation take?
Most borrowers complete their guided preparation in about 30 minutes of focused work, compared to the days or weeks the same paperwork typically takes when assembled manually.
Do you work with lenders and credit unions?
Yes. PrepSBA offers a lender-side workflow that helps credit unions and SBA lenders process borrower applications more efficiently. Contact us for details.
Ready to get started?
Start your SBA application free — pay only when you export.
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