Simple, Transparent Pricing
Start free. Pay only when you're ready for your complete lender package.
Free Preparation
$0
free to build your application
Everything a small business owner needs to build a winning SBA application. 100% free to prepare and preview — pay nothing until your documents are done and you are happy with them.
- Full wizard access (all 15 steps)
- Document guidance & AI help
- Real-time validation
- Loan specific checklists
- Full documents preview
Document Download
$399
one-time — download all your documents
Everything in free, plus your complete lender-ready package: Forms 1919 & 413, debt schedules, projections — all documents in DOCX + PDF.
- Everything in Free Preparation
- Complete lender-ready document export
- Forms 1919 & 413 auto-filled
- Debt schedule + cash-flow projections
- DOCX + EXCEL + PDF Downloads
- Email support
Priority Submission
$499
add-on to Document Download
Everything in Document Download, plus we prepare your complete package and automatically submit it to a local credit union for priority processing.
- Everything in Document Download
- Auto-submit to local credit union
- Priority processing queue
Enterprise
Custom
large banks & credit unions
Full integration, SSO, dedicated infrastructure, and custom SLA for large institutions.
- API & core banking integration
- SSO & enterprise auth
- Dedicated infrastructure
- Custom SLA & compliance
Why pay only for results?
Most SBA prep services charge hundreds upfront and lock you into monthly subscriptions — before you ever know if your application will pass. PrepSBA flips that: build your entire application free, get real-time validation and AI guidance, and only pay the one-time $399export fee when your documents are complete and lender-ready. It's the fairest way to prepare an SBA loan — and the fastest.
Start Free Now →Pricing Questions
How much does PrepSBA cost?
PrepSBA is 100% free to start and prepare your entire application. You only pay $399 one-time when you are ready to export your complete lender-ready document package. There are no hidden fees and no subscription required for borrowers.
When do I pay?
You only pay when your documents are 100% done. Build and validate your entire SBA application, including Forms 1919 and 413, business debt schedules, and cash flow projections — all free. The one-time $399 fee unlocks the final lender-ready export.
Is there a free trial or subscription?
There is no subscription for borrowers. PrepSBA is free to use for preparation, and you only pay a one-time $399 fee when you export your complete package. Cancel anytime; you are never locked in.
What does the Priority Submission plan include?
The $499 one-time Priority Submission package includes everything in Document Download plus automatic submission of your finished SBA application to a local credit union for priority processing. If you already unlocked Document Download ($399), the upgrade is just $100. It is the fastest way to get your application in front of a lender.
Is my financial data secure?
Yes. PrepSBA uses bank-grade security including AES-256 encryption at rest, TLS 1.3 in transit, Supabase Row Level Security, audit logs, and SOC 2-ready infrastructure. Your data is never sold to third parties.