First-time buyers lose weeks, and deals, because their loan package isn't what a lender needs. LoanPacket turns a target's financials, lease and cap table into a DSCR-backed SBA package, lender-ready in days, and flags your eligibility before you ever call.
Built by Merrowby, modeled on the SBA SOP 50 10 8 checklist your lender underwrites from. We're not a lender or a broker.
For first-time SMB buyers, searchers and the brokers who serve them. Run the DSCR check below, no email required.
One flat price: $299 per package.
The first number an SBA lender computes on your deal. Change any figure to see it move.
Total acquisition / project cost
Cash flow available to service debt
Equity injection (SBA min. 10%)
The annual rate your lender quotes
Typical SBA acquisition term
Monthly payment
$10,538
Debt service coverage
1.19x
Above the 1.15x SBA floor, under the 1.25x lender cushion. Priced at 5.7x SDE.
Your deal trips 2 flags a lender will catch. The full lender-ready package resolves them and models the global DSCR — business plus your personal cash flow — a lender actually computes.
Build my packageMost first-time buyers walk into a lender with raw tax returns and a hope. The lender re-underwrites from scratch or passes, and while the file sits in a rebuild loop, the seller keeps talking to the next buyer. The deal doesn't die on the numbers. It dies in the paperwork.
The SBA rulebook that decides whether your deal flies changed twice in 2026, on citizenship, on scoring, and on how much you can borrow. Most buyers approaching a lender today are working from last year's playbook.
Three steps, before you ever spend a lender's goodwill.
Hand over the target's three years of returns and P&Ls, the lease, and the cap table. Same raw material an SBA lender asks for, given once.
We normalize add-backs into a defensible SDE, model global cash flow and DSCR to SBA SOP 50 10 8, assemble the document checklist, and flag your eligibility against the March 2026 rules.
Hand your lender a package that answers their questions before they ask. Not SBA-eligible? We tell you on day one and point you to alternatives, not after three lost weeks.
The exact format your lender-ready package follows, built here from a sample deal so you can read it before you hand over anything. Figures are illustrative, a sample deal, not a real client.
Add-back & SDE worksheet
Global cash flow & DSCR
The global view a lender computes, business plus your household, often clears what the business alone can't.
SBA eligibility flag
This is the format that lands in your inbox, built from a sample deal, not a real client. Yours is built against your real numbers.
Get my package builtThe DSCR tool above is yours to use, free and unlimited. Early access unlocks the deliverable you actually take to the bank, built against your real deal:
Add-back & SDE normalization
Every owner add-back itemized and defensible, so your cash flow survives a lender's scrutiny instead of getting marked down.
Global cash-flow & DSCR model
The business and personal coverage a lender actually computes, built to SBA SOP 50 10 8: the 1.15x floor and the 1.25x cushion, on your numbers.
SBA eligibility flag
Your ownership checked against the March 2026 citizenship and residency rules before a lender sees the file, so a disqualifier surfaces on day one, not week three.
Lender-ready document checklist
The exact schedule underwriting will demand, pre-collected, so nothing bounces the file back to the queue.
Alt-financing referral
If the deal can't clear SBA, we say so and route you to conventional or seller-financing paths, instead of burning weeks chasing a no.
Get your lender-ready package.
$299 per package
Your lender-ready package in days, not weeks. If the deal can't clear SBA, you hear it on day one, not week three. Built hands-on for the founding cohort. Reserve your spot with your email; you pay when your deal is ready, nothing now.
We're paid by buyers, never lenders: no referral fees, no reselling your deal. You own the package. Document prep, not lending advice.
The SBA rewrote the rules under thousands of first-time buyers in the same window, and most don't know it yet. Three dated changes, all in 2026:
March 1, 2026
New SBA rules require an applicant to be 100% owned by U.S. citizens or U.S. nationals residing in the U.S. Green-card holders can no longer hold any ownership on a new application.
March 1, 2026
The SBSS credit score was retired for 7(a) loans of $350k or less; those deals now run on standard commercial credit analysis, changing how first-timers get underwritten.
July 4, 2026
The SBA doubled the financing a single business can stack across 7(a) and 504 to $10M, pulling far larger acquisitions into SBA reach for the first time.
LoanPacket is in private beta, building packages against real deals with a founding cohort. $299 per package, one flat price per deal.
A broker seat is available for firms packaging multiple deals. We price the package below what re-underwriting a rejected file costs you in lost weeks. You pay when your deal is ready, nothing to reserve your spot.
$299 per package, one flat fee
Reserve now with your email, pay when your deal is ready.
LoanPacket is built by Merrowby. We're not a lender or a broker, and we don't make the credit decision; you and your lender do.
Your package is modeled on the same SBA SOP 50 10 8 underwriting checklist your lender works from, and checked against the March 2026 eligibility rules. Every figure traces back to a source document you can open, add-backs are itemized rather than assumed, and each eligibility flag points to the exact SBA rule it tests. Document preparation, not lending, tax or legal advice.
They will, once you're in their pipeline and they've decided you're worth the hours. LoanPacket gets you lender-ready before that: you approach the right lender already credible, and you own the package instead of sitting in one bank's queue. If a packager offers it free to win your loan, great; you'll walk in knowing your deal clears, not hoping it does.
A lender always runs its own underwriting and makes its own credit decision; we don't replace that. We structure your add-backs, global cash flow and DSCR exactly the way SBA SOP 50 10 8 asks, with the supporting documents attached, so the lender underwrites from a clean, complete file instead of bouncing it back. Think lender-ready draft, not rubber stamp.
Often it's both, and we're honest that LoanPacket doesn't source deals or lenders; brokers and marketplaces own that. Our job starts once you have a target under LOI: we make it financeable fast, so a lender's 'maybe' doesn't quietly die in a messy package. If the deal can't clear SBA at all, we tell you early so you stop spending weeks on the wrong path.
You and your lender are always the reviewers; this is document preparation, not lending, tax or financial advice. Every figure traces back to a source document you can open, add-backs are itemized rather than assumed, and the eligibility flag points to the exact SBA rule it's testing. We're explicit about what's modeled versus confirmed.
Since March 1, 2026, an SBA borrower must be 100% owned by U.S. citizens or U.S. nationals residing in the U.S.; green-card holders can no longer hold any ownership on a new application. LoanPacket checks your ownership against that rule up front, so a disqualifier shows on day one instead of week three.
SBA SOP 50 10 8 sets a 1.15x floor on 7(a) loans over $350k (1.10x on smaller loans since March 2026), while most lenders want a 1.25x cushion. The quick-check above shows where your deal lands on both lines; the full package models the global DSCR, business plus your personal cash flow, that a lender actually computes.
LoanPacket is built by Merrowby (see 'Who builds your package' above). It's $299 per package, one flat price per deal, plus a broker seat for firms packaging multiple deals. In private beta we build it hands-on with you while onboarding a founding cohort; you reserve your spot with your email and pay when your deal is ready.
Run the DSCR check to see where your deal stands, then get your lender-ready package for $299. Walk into your lender already ready.