SBA 7(a) Regular & Express
On-Demand
Loan Documents

The New Standard for SBA 7(a) Regular and Express Loan Document Automation

Built for the complexities of SBA lending with complex fee handling, flexible collateral, full supporting documents, and powerful workflow tools.

Try it free for 60 days!

Free use of SBA Docs is available during the 60-day launch period.

SBA lending is complex.

Generating your loan docs doesn’t have to be.

SBA 7(a) loans come with more rules, more calculations, more disclosures,
and more ways for a package to jeopardize the SBA guaranty.

DossDocs SBA Docs gives lenders a smarter way to generate SBA 7(a) Regular and SBA 7(a) Express loan documents instantly. Generate a complete SBA loan document package built with the logic, disclosures, and supporting forms that protect the SBA guaranty and close deals faster.

50-State Compliant

Full jurisdictional logic across all 50 states, including state-specific disclosures, lender and broker licensing requirements, and applicable lending law.

Collateral & Guarantors

Real estate or personal property security, or both. Support for up to 4 guarantors, optional LLC member pledge, impound support, and in-house or third-party escrow instructions.

Fees, Rates & Settlement

Fixed and variable rate support, per diem interest, lender and broker fees, net funding, and all SBA Settlement Statement calculations.

Best-in-Class Documents

16+ supporting documents including SNDA, Business Purpose Certificate, Holdback Agreement, Environmental Indemnity, AML Declaration, and more.

Built on Nearly 50 Years of Mortgage Lending Experience

DossDocs was created by one of the industry’s most respected authorities in mortgage and commercial lending law. With nearly five decades of hands-on experience drafting and refining loan documents, every SBA 7(a) Regular and Express package is built on practical knowledge of what lenders and regulators require.

No subscription. No Onboarding. No Setup Fees.

Start using DossDocs SBA Docs instantly — no meetings, no backend setup, no contracts, no minimums.

A Smarter Standard for Lending

For SBA lenders, the right document platform should reduce friction before, during, and after package generation.

Other Providers

DossDocs™

The Guaranty is Everything

If it's denied, the lender absorbs the loss.

Missing certifications, incorrect disclosures, incomplete collateral documentation, and improper fee handling are the most common reasons the SBA denies a guaranty claim. DossDocs builds every package around protecting that guaranty from the first field entry to the final document.

SBA loan documents compliance-DossDocs
SBA Loan documents updates DossDocs

Change Happens

Your docs have to keep up.

SBA Standard Operating Procedures govern everything from eligibility to collateral requirements to how fees are disclosed. Outdated templates create compliance exposure. DossDocs is monitored and maintained continuously, with updates applied in days, not months. This helps lenders avoid  manual workarounds while they wait on other provider release-cycles.

How It Works

SBA Loan Documents How It Works - Choose Your State - DossDocs

Choose
Your State

Select the loan state.

SBA Loan Documents with DossDocs See How it Works Select Your Loan Doc Package

Select
Your Package

Select your SBA 7(a) Regular or Express package.

SBA Loan Documents with DossDocs - How it Works-Smart Intake Questionnaire

Complete the Intuitive Intake Questionnaire

Complete a guided intake that builds your custom compliant doc set.

SBA Loan Documents with DossDocs - How it Works - Generate Docs.png

Generate
Documents

Generate documents, instantly.

Built for SBA Lenders of Every Size

Whether you close two SBA loans a year or two hundred.

Whether you’re a community credit union, regional bank, independent lender, or high-volume SBA team, you can generate complete SBA 7(a) Regular & Express packages in minutes with zero onboarding. Pay-per-use and volume pricing are both available, so the platform fits your SBA workflow without forcing the wrong model.

SBA Lenders of Every Size-DossDocs
SBA Loan Complexity DossDocs.png

Every Deal is Different

Your platform should handle that.

Need support for dual mortgages, LLC member pledges, and up to four guarantors? What about broker fees, exit fees, and net funding on the same transaction? In-house or third-party escrow? Real estate and personal property securing the same loan?

DossDocs handles every combination natively, with MyPortal workflows you build once and reuse on every deal like it.

SBA 7(a) Regular & Express On-Demand Loan Documents

Watch It In Action

“SBA lenders need compliant loan docs without being forced into contracts, minimums, or use-it-or-lose-it commitments. Credit unions, banks, and independent lenders want flexibility, compliant documents, and live deal customization. DossDocs now gives SBA lenders what they want and need through our SBA 7(a) Regular and SBA 7 (a) Express documents.”

~ Aletha Nelson, Vice President of DossDocs

See how DossDocs SBA Docs goes beyond basic SBA templates. This demo shows the guided workflow for 7(a) Regular and Express packages, including state-specific logic, SBA fee handling, collateral and guarantor options, payoff and net funding support, settlement details, and supporting documents included in the package.

Ready to Make SBA Docs Pain-Free?

Free use of SBA Docs is available during the 60-day launch period.

  • 50-state coverage
  • Full lender and broker disclosure coverage
  • Fixed or variable rate support
  • Ability to take a mortgage in any two places in the U.S.
  • Real estate or personal property security, or both
  • Limited and full SBA guaranties
  • Optional LLC member pledge
  • Support for up to 4 guarantors
  • Support for up to 4 SBA fee disclosures
  • Full SBA Settlement Statement
  • Impound support
  • In-house or third-party escrow instructions included
  • Lender and broker exit fee support
  • Net funding support
  • Multiple lender, broker, third-party fee, and payoff options
  • Includes SNDA, Business Purpose Certificate, Junior Lienholder Authorization, Holdback Agreement, Non-Owner Occupancy Certificate, Trust Certificate, Environmental Indemnity, ACH Authorization, W-9, Fair Lending Disclosures, Compliance Agreement, AML Declaration, First Payment Letter, Arbitration Option, and more.
  • Updates first payment date and maturity date
  • Requires mutual agreement by borrower, lender, and guarantor
  • 50 states
  • 1 or 2 borrowers
  • 1 or 2 properties in the same county
  • Residential or commercial real estate
  • Borrowers can be individuals, entities, or trusts
  • Up to 4 guarantors
  • Updates first payment date and maturity date
  • Requires mutual agreement by borrower, lender, and guarantor
  • Can be used post-closing to correct loan timelines
  • Full signature blocks
  • 50 states
  • Unlimited, free redraws on the same transaction
  • Borrowers can be natural persons, entities, trusts or any combination
  • Can be used by broker or lender, CFL, DRE, CRMLA, state licensed or exempt
  • Establishes lien priority and payment subordination for senior and subordinate liens
  • Automatic subordination adjustments for most modifications
  • Defines enforcement and cure rights
  • 50 states
  • Unlimited, free redraws on the same transaction
  • Borrowers can be natural persons, entities, trusts or any combination
  • Can be used by broker or lender, CFL, DRE, CRMLA, state licensed or exempt
  • Establishes lien priority and payment subordination for senior and subordinate liens
  • Automatic subordination adjustments for most modifications
  • Defines enforcement and cure rights
  • 50 states
  • 1 or 2 borrowers
  • 1 or 2 properties in same county, residential or commercial
  • Borrowers can be natural persons, entities, trusts or any combination
  • Full signature blocks
  • Can be used by broker or lender, CFL, DRE, CRMLA, state licensed or exempt
  • Cover Letter that can be moved onto Your Letterhead
  • Comprehensive Pre-Negotiation Agreement
  • With or Without a General Release
  • 50 states
  • 1 or 2 borrowers
  • 1 or 2 properties in same county, residential or commercial
  • Borrowers can be natural persons, entities, trusts or any combination
  • Can be used by broker or lender, CFL, DRE, CRMLA, state licensed or exempt
  • Cover Letter that can be moved onto Your Letterhead
  • Lists Events of Default
  • Confirms Cure Period
  • Computes total amount owed
  • Lists Remedies unless Defaults are cured
  • 50 states
  • 1 or 2 borrowers
  • 1 or 2 properties in same county, residential or commercial
  • Borrowers can be natural persons, entities, trusts or any combination
  • Full signature blocks
  • Can be used by broker or lender, CFL, DRE, CRMLA, state licensed or exempt
  • Up to 4 guarantors
  • Exhibit “A” for Amounts Owed Itemized and Total
  • Exhibit “B” for Other Fees
  • Exhibit “C” for Other Conditions to Effectiveness
  • Exhibit “D” for Lender Listing
  • Updates first payment date and maturity date
  • Requires mutual agreement by borrower, lender, and guarantor
  • 50 states
  • 1 or 2 borrowers
  • 1 or 2 properties in the same county
  • Residential or commercial real estate
  • Borrowers can be individuals, entities, or trusts
  • Up to 4 guarantors
  • Updates first payment date and maturity date
  • Requires mutual agreement by borrower, lender, and guarantor
  • Can be used post-closing to correct loan timelines
  • Full signature blocks
  • 50 states
  • 1 or 2 borrowers
  • 1 or 2 properties in same county, residential or commercial
  • Borrowers can be natural persons, entities, trusts or any combination
  • Full signature blocks
  • Can be used by broker or lender, CFL, DRE, CRMLA, state licensed or exempt
  • Up to 4 guarantors
  • Notary for state where the borrowers and/or guarantors will sign
  • Keeps terms private by generating a recordable memorandum
  • Available in all 50 states
  • Fannie Mae based mortgage
  • Seller financing document set designed for residential or non-owner-occupied property
  • Full All-Inclusive Deed of Trust (AITD) functionality built-in, includes custom-drafted AITD Rider for Note and Security Instrument
  • Two-part output for the e-signable disclosures and final wet-sign promissory note and security instrument
  • Includes Promissory Note, Security Instrument with embedded riders, and full closing instructions
  • Condo and PUD Rider options embedded into the Security Instrument
  • Allows guarantors
  • Clear lien priority tracking with existing senior loans
  • Interest-only or amortized monthly payment options
  • Balloon payment support with final payoff summary
  • Prepayment penalty option with customizable terms
  • Customizable terms including interest, payment structure, grace period, and late charges
  • Seller Financing Instructions with title/escrow checklist
  • Hazard Insurance Disclosure and mortgagee endorsement setup
  • Customizable fee entries (doc prep, tax service, flood cert, etc.)
  • E-signable where permitted
  • Full TRID compliant docs – including the LE and CD
  • DocuSign active on the Consumer Bridge Loan Estimate
  • 11-month max term (11 months plus per diem interest period)
  • All federal and state disclosures for DRE and CFL licensees
  • Flexibility to put a lien on the existing home, new home or both
  • HOEPA compliance
  • 3 Day Right to Cancel if placing a lien on the existing residence
  • All calculations performed – including APR and TIP
  • Special customizable escrow instructions to the purchase escrow
  • NMLS endorsement required
  • Ability to repay & credit not relevant
  • No prepayment penalties or guaranteed interest
  • Most are Section 32 = HUD counseling & no financing of soft fees
  • 4%, 15-day late charge
  • No limitation on rates or points

Business Purpose
Construction Loan Docs Features

  • Business purpose residential or commercial real estate
  • 1 or 2 borrowers
  • 1 or 2 properties in the same county
  • 1st, 2nd, 3rd or 4th lien priority for each property
  • Borrowers can be natural persons, entities, trusts or any combination
  • Full signature blocks
  • Full closing instructions
  • Can be used by broker or lender, CFL, DRE, CRMLA, state licensed or exempt
  • Referral fee and co-broker options
  • Up to 4 guarantors
  • Fixed or adjustable rate provisions
  • Default rate option
  • Impounds option
  • Extension option with choice of conditions
  • Line of credit option
  • Mortgage Loan Disclosure Statement for every state
  • DocuSign active on all early disclosure documents
  • CFL disclosure for CFL lenders
  • Comprehensive loan agreement
  • Comprehensive guaranty
  • Comprehensive environmental indemnity for commercial loans
  • Holdback option
  • DSCR option
  • Capital reserve option
  • Debt service reserve option
  • Interest reserve option
  • Guaranteed interest option
  • Prepayment penalty option
  • Amortized or interest only
  • Business purpose certificate
  • Non-owner occupancy declaration
  • Choice of title endorsements
  • Ability to add custom clauses or addenda to closing instructions, note, security instrument and loan agreement
  • Up to 6 payoffs
  • Many, many varieties of lender and broker fees
  • Cannabis clauses
  • PACE and HERO clauses
  • Multi-lender or single lender friendly
  • Comprehensive entity consent, LLC, GP, Corp.
  • Certification of trust for trust borrowers

Broker Investor Package Features

  • 50 States
  • Complete set of investor docs and disclosures for brokers
  • Lender/Purchaser Disclosure Statement (up to 10 investors)
  • Investor Questionnaire
  • Loan Sale and Servicing Agreement
  • IRS W-9.
  • The application generates a separate set for each investor

Business Purpose Loan Docs Features

  • Instant loan docs with unlimited, free redraws on the same transaction
  • 50 state coverage (lender state governs choice of law except security instrument)
  • Secured by residential, multi-family or commercial real estate
  • Up to 2 borrowers of ANY type (full signature blocks, not blanks)
  • Up to 2 properties cross-collateralized within any state or between any two states
  • Up to 4 guarantors
  • 1st or junior liens
  • Pre-Maturity Default Compensation Options
  • Reports Feature to save all of your data for any year end reports to regulators or for internal use
  • Balloon or amortized, up to 3 payment sequences
  • Fixed or adjustable (multiple benchmarks to choose from)
  • Closed-end or Line of Credit
  • Guaranteed Interest feature
  • Multiple prepay options such as 5-4-3-2-1 etc.
  • Full closing instructions with choice of endorsements, exceptions and title insurance amounts
  • Mortgage Loan Disclosure Statement, including new multi-state form (picks the right form and does all the math)
  • Interest reserves and holdback
  • Co-Broker and Referral Fees
  • Grace Period and Late Charge Percentages
  • Exit Fee feature
  • Appraisal Rebalance Option
  • “Bad Boy” Guaranty option
  • Special Purpose Entity (“SPE”) option
  • Non-Borrower Security Instrument Signer
  • Multitude of fees plus custom fees can be input
  • Ability to add custom clauses to note, security instrument, loan agreement and closing instructions
  • PACE and HERO clauses
  • Entity Authorization (Minutes)
  • Cannabis clauses
  • Extension options
  • Letter to senior lender for junior loans
  • Debt Service Coverage Ratio, Capital Reserve, Debt Service Reserve options
  • Full disclosures and common forms such as Loan Agreement, CFL, Fair Lending, Compliance Agreement, ECOA, Balloon Notice, Declaration of Non-Owner Occupancy, Business Purpose Declaration, Patriot Act, Arbitration, Environmental Indemnity (commercial), Trust Certification for trust loans
  • DocuSign active on all early disclosure documents
  • ACH option
  • W-9