From application to funded.
You answer a few questions once. We do the packaging and the lender shopping. You compare real offers and choose. Here's exactly how that works.
Answer a few questions
A short application captures the business, the owner, and your goal. No credit pull at intake, no fee, no obligation — about ten minutes.
We package & shop it
An advisor builds your SBA file the way underwriting wants it, flags anything that would slow a decision, and matches it to lenders that fund deals like yours.
You compare & choose
You see the lenders' actual terms — rate, fees, covenants — side by side, choose the offer that fits, and we stay on it through closing and funding.
What "packaging" actually means
The work that decides whether a good deal funds.
SBA files are detailed and the eligibility rules are specific. A thin or mis-built application is the number-one reason a fundable deal dies in underwriting.
- Assemble and review financials, tax returns, and bank statements.
- Confirm SBA eligibility and the right program before anything is submitted.
- Pre-empt the questions a credit committee will ask — and answer them in the file.
- Match and submit to the SBA lenders most likely to say yes.
After you apply
What the next few weeks look like.
Advisor review
A dedicated advisor reviews your file, checks SBA eligibility, and walks through fit and the document checklist — usually the same business day.
File build
We assemble the package, resolve gaps, and prepare the deal the way underwriting wants to see it before any lender lays eyes on it.
Lender matching
Your deal goes to the SBA lenders that actively fund cases like yours. You compare the real terms that come back.
Close & fund
You choose the offer, and we stay on the file through closing and funding — keeping everything moving so nothing stalls.
Process questions
The things owners ask first.
Will applying affect my credit?
No. There is no credit pull at intake. Credit is only checked later, once you're moving forward with a lender and you authorize it.
What does it cost?
Nothing up front. Checking eligibility, packaging your file, and comparing offers are free. We'll be clear about any costs before you ever commit to a loan.
How long does it take?
It depends on the program and how clean the file is. Well-packaged 7(a) deals often move in a matter of weeks; 504 real-estate deals can take longer. Packaging is the biggest lever on speed — which is exactly what we handle.
Is Keystone a lender?
No. Keystone SBA Advisors is an independent SBA advisory and packaging firm, not a lender and not affiliated with the U.S. Small Business Administration. Loans are made by third-party SBA-approved lenders, and you always see the lender's actual terms.
Ready to see your options?
Answer a few questions and we'll start packaging your file and shopping your offers. No credit pull, no obligation.