Loan-Ready Packet
SBA 7(a) buyer packet
One lender-ready packet you can hand to your lender.
Buying a business with an SBA 7(a) loan? Build one lender-ready packet from your own numbers, and see exactly where your deal stands before you walk into a bank.
The Loan-Ready Packet is a self-serve preparation tool for people buying a business with an SBA 7(a) loan. You answer questions about yourself and the business, and the tool does the arithmetic and lays out the thirteen sections a lender expects to see. You download it and hand it to the bank yourself; Humble never sends anything to a lender.
$99paid once, only when you open your packet
What is in the packet
Thirteen sections on fourteen pages, in the order a lender reads them. Page 1 is always the Readiness page.
- 1Readiness page: your score, the exact gaps and the fix plan
- 2Executive summary and buyer story
- 3Resume
- 4Business plan for the business you are buying
- 5Sources and uses
- 6Equity injection, with the 10% rule and a standby seller note
- 7Loan request and estimated payment
- 8Debt service coverage against the 1.25x floor
- 9Two-year monthly projections, with every assumption listed
- 10Personal financial statement figures (SBA Form 413)
- 11Business debt schedule
- 12Answers worksheet for SBA Form 1919
- 13Document checklist, ticked and missing
- 14Lender cover sheet
How it works
- Pick your dealStart from a business listing, or enter the numbers by hand.
- Get your linkWe email you a private link to your packet.
- Answer the questionsAbout an hour of questions about you and the business, plus sealed document uploads.
- We build it, a person reads itThe tool builds the packet and a person reads it for errors. Your words and numbers stay yours.
- See your readiness scorePage 1 shows your score, the exact gaps and the fix plan, before you pay.
- Pay $99 and downloadDownload the packet and hand it to your lender yourself.
Humble never sends anything to a lender. You download the packet and hand it over yourself.
Who it is for
Buyers only: people acquiring an existing business with an SBA 7(a) loan. It is not for owners who want working capital or to refinance their own business.
The packet always ships, even when the deal does not cover. If your numbers fall short, page 1 says so and shows what to fix. That is the most useful thing to learn before you apply.
Questions
Do you pull my credit?
No. You give your credit band yourself (under 640, 640 to 679, 680 to 719, or 720 and up), along with any bankruptcies, liens or late payments. The packet says the credit is self-reported. We never run a credit check.
What if my deal does not cover?
The packet still ships. Page 1 says so plainly and shows what to fix, for example how much more equity or what seller note would bring the deal over the line. Knowing before you apply is the point.
What is a seller note on standby?
A loan from the seller that you do not pay while the bank loan is outstanding. Under SBA rules it can count toward part of your equity injection. The packet shows the figures with and without it.
Which documents do I need?
Page 13 is your checklist, ticked and missing. It typically asks for personal tax returns, bank statements, ID and the seller's financials. You can upload what you have and add the rest later.
What happens to my information?
Your files are sealed on Humble's own computer and are never sent to anyone, including any lender or outside AI service. They are deleted after 2 years. You can ask us to erase them sooner.
Can I get a refund?
No. Once you open the packet the sale is final. You see your readiness score and the price before you pay, and nothing is charged before then. See the Refund Policy.
What does it cost?
$99, paid once by card when you choose to open your packet. There are no other fees from us.
How long does it take?
About an hour of questions, then we build the packet and a person reads it for errors. You will have your readiness score when that is done.
Build your packet
Start from a listing or enter your numbers by hand. You see your readiness score before you pay.
Humble Services Business Consulting is not a lender, is not the U.S. Small Business Administration, and is not affiliated with or endorsed by the SBA. The packet is a preparation tool. It is not a loan decision, and it does not predict whether any lender will lend.