Lender-ready loan packages in 15 minutes.
Extract tax returns, spread three years, calculate SBA Global DSCR, and export an institutional credit memo.
Packages delivered to preferred lenders and built on the tools brokers already use · $1.2B+ in annual debt packaged
Live Oak Bank
Huntington
Celtic Bank
Byline Bank
Newtek
QuickBooks
DocuSign
nCinoDeals don't die on credit. They die in document chaos.
You find a great borrower, get a signed fee agreement, and then it starts: blurry PDF returns, missing K-1s, hand-written debt schedules, un-reconciled QuickBooks files. Twenty-five hours in Excel, and the lender kicks it back for a 1.12x DSCR discrepancy.
Why credit underwriters love LoanPacket credit memos.
Commercial underwriters review dozens of deals a week. A messy folder of raw PDFs sits at the bottom of the stack. A LoanPacket submission, with audited 3-year spreads, substantiated add-backs, global cash flow reconciliation and verified returns, gets approved in 48 hours.
View sample credit memoFour steps from raw returns to a packet underwriters approve.
| Field | Value | Conf. |
|---|---|---|
| L1a · Gross receipts or sales | $4,911,300 | 0.97 |
| L2 · Cost of goods sold | $3,307,200 | 0.98 |
| L3 · Gross profit. Subtract line 2 from line 1c | $1,604,100 | 0.99 |
| L7 · Compensation of officers | $265,000 | 0.97 |
| L8 · Salaries and wages | $671,200 | 0.98 |
| L13 · Rents | $186,000 | 0.71 ↗ review |
| L14 · Depreciation | $92,300 | 0.97 |
| L21 · Ordinary business income | $292,800 | 0.98 |
Built strictly to federal lending standards. Never guesses.
SBA loans require exact adherence to affiliation rules, global cash flow requirements and allowable add-back guidelines. LoanPacket never invents numbers or creates unverified adjustments. Every calculation links to the tax form schedule and line number it came from.
- Affiliation
- 13 CFR 121.301 ownership, control and identity-of-interest tests
- Global cash flow
- Business CFADS plus guarantor households and affiliates
- Equity injection
- 10% minimum on change of ownership, sourced and seasoned
- Add-backs
- Allowable, conditional and disallowed, each with evidence
- Credit elsewhere
- Borrower-specific narrative, not restated policy
- Form 159
- Agent fee disclosure on every packaged deal
Six engines. One packet.
Live: move rate, term, personal debt or revenue stress and watch global coverage recalculate on the sample $2.4M acquisition.
- Tax Return ExtractorOCR and financial table recognition for every commercial tax schedule, with each extracted figure cited to its form, schedule and line number.
- Financial SpreadingInstitutional spreads across three fiscal years plus trailing twelve months, with variance analysis, consolidation and an interactive ledger editor.
- Global Cash Flow & DSCRCombines business cash flow with owner compensation, personal obligations and affiliate entities to produce the global coverage number underwriters actually decide on.
- Add-Back NormalizerA catalog of allowable adjustments, a written justification engine and a defensibility rating that tells you what a credit officer will push back on.
- SBA Forms GeneratorBorrower, guarantor and ownership data extracted once flows into the official SBA PDFs, with every answer traceable to its source document.
- Credit Memo BuilderAn institutional memo with executive summary, financial commentary, collateral analysis and every exhibit, branded to your shop and shared through tracked links.
Built for the people who send lenders their packages.
Apex Commercial CapitalHow Apex Commercial Capital tripled monthly closed loan volume from $1.8M to $5.4M without hiring additional credit analysts.
“We went from 20 hours of spreadsheet work per file to 20 minutes, and lenders stopped sending packages back.”
Audited security, availability and confidentiality controls.
Every document encrypted at rest and in transit.
SSNs and routing numbers masked on non-essential outputs.
Borrower financials never train any model. Contractually.
US regions by default; India residency available.
Supported loan programs
- SBA 7(a)Small and standard loans to $5M for acquisition, working capital, refinance and real estate
- SBA 504Owner-occupied real estate and heavy equipment with CDC second liens
- Conventional CREOwner-occupied and investor commercial mortgages
- Working capital linesCAPLines and conventional revolvers on borrowing bases
- Equipment financingTerm debt matched to useful life
Questions brokers ask first
Form 1120-S, 1065, 1120, Schedule C and Form 1040 with Schedules B, D and E, plus K-1s, Form 1125-E, Form 4562, interim P&Ls and balance sheets, QuickBooks and Xero exports, and 6 to 12 months of bank statement PDFs.
Business cash flow available for debt service is combined with owner W-2 compensation, personal tax liability, personal debt payments, living expenses and affiliate cash flow under SBA SOP 50 10 7.1 methodology. Proposed debt is modeled at prime plus spread over the selected term, and coverage is shown against 1.15x and 1.25x benchmarks.
Yes. Boutique and High-Volume plans include white-label memos with your logo, colors, contact details and confidentiality language. Solo Broker memos carry your firm name and contact details.
Yes. The extractor handles phone-camera scans, fax-grade PDFs and stamped returns. Fields below the confidence threshold are routed to a one-click review queue rather than guessed.
Ownership is read from K-1s and operating agreements, affiliates are identified under the SBA affiliation rules, EPC/OC relationships are detected from Schedule E, and consolidated spreads eliminate intercompany rent and fees.
Three monthly tiers with included deals ($249, $699 and $1,499 a month) plus per-deal overage, or $149 per packaged deal with no subscription. Every plan starts with a 14-day free trial and no credit card.
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.