Scale file capacity without scaling spreadsheet errors.
SBA packaging boutiques use LoanPacket to take on more client files, enforce SOP 50 10 7.1 rules on every memo and cut bank turnaround times.
Manual spreading caps the number of files a packager can handle without hiring, and hiring experienced SBA analysts is slow.
A single unlinked cell in a spreadsheet template produces a DSCR the lender cannot reproduce, and the file comes back.
Affiliation, equity injection and credit elsewhere rules shift; templates built last year silently drift out of compliance.
Capacity is an extraction problem, not a hiring problem.
Third-party packaging boutiques and SBA advisory firms preparing files for community banks
What changes
- 1IntakeClient and borrower documents arrive through branded portals per engagement.
- 2Spread and reconcileAnalyst reviews flagged fields and tie-out exceptions, not the whole return.
- 3Underwrite to SOPAffiliation, injection and global cash flow checks run on every file.
- 4DeliverBank-specific memo, forms and workbook shipped and tracked.
Capacity without headcount
Analysts review and annotate instead of re-typing. Firms typically triple files per analyst within the first quarter.
Zero formula drift
Calculations are versioned, tested against SOP updates and identical across every file.
Lender-specific templates
Store each bank's preferred memo format and chart of accounts once; every export conforms.
Client-ready audit trail
Every figure cites its source. Every edit is logged. Lenders and clients can see exactly how the number was built.
Questions from sba loan packagers
Yes. Boutique and High-Volume plans support multiple brand profiles so each client receives memos in their own identity.
Calculation rules and form templates are updated within ten business days of an SBA notice, with a changelog on the trust center.
Package your next loan in 15 minutes instead of 3 weeks.
Upload a set of sample tax returns and generate a complete, lender-ready credit memo on your first day.