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SBA One

SBA One. Preferred Lenders (PLP) SBA Express Standard 7(a) Community Advantage CAPLines. SBA One Benefits. Intuitive screens that offer context-sensitive help SBA SOP 50 10 rule based processes to ensure compliance Forms generation and document management

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SBA One

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  1. SBA One Preferred Lenders (PLP) SBA Express Standard 7(a) Community Advantage CAPLines

  2. SBA One Benefits Intuitive screens that offer context-sensitive help SBA SOP 50 10 rule based processes to ensure compliance Forms generation and document management Electronic signature at Level 3 authentication Role-based access to quarterly PARRiS lender risk rating

  3. Capital Access Financial System (CAFS) • SBA One is part of CAFS • CAFS’ URL is https://caweb.sba.gov • Select “Not Enrolled” • Complete all sections in the profile • Select user type “Partner” • Enter Location ID from SBA agreement for “Customer Location” • Select your Authorizing Official (AO) for “Supervisor Information” • Click link on e-mail to verify your address • Wait for AO and OCA IT Security approval e-mail

  4. Capital Access Financial SystemAccess Request For SBA One Enrollment • Electronic Lending – Origination (ETRAN) • Enter/Edit your SBA Loan Applications • Electronic Lending – Servicing (ETRAN) • View your SBA Loan (Optional) • Partner Information Management System (PIMS) • View Partner Information • SBA One • Loan Processor – Create/Review Loans • Submit to Etran • Loan Officer – Read Only (Optional) • Underwriter – Review/Underwrite Loans (Optional) • View PARRIS Lender Scorecard information (Optional) Request Access to CAFS Systems Note – Enter the agreement level lender location id(s) next to the selected roles www.sba.gov

  5. SBA One Login Page CAFS user id & password

  6. Release Highlights and Program Announcements Click on the posted carousel images or go to https://www.sba.gov/content/sba-one Monthly Scheduled Releases www.sba.gov

  7. SBA One Active Menu Options Home Page: Loan Pipeline, Alerts and Carousel Create loan applications: Loan Pipeline OCRM’s PARRiS Scorecard: Current Quarter/History Document Management and Submit to E-Tran

  8. User Profile • Confirm active Location ID • Toggle between Location IDs, if multiple • View Contact information • View role based access as selected in CAFS • Logout

  9. E-Learning Training

  10. Loan Origination www.sba.gov

  11. Loan Pipeline Loan Processor may create a loan Select chevron to view applications in applicable stage Upload Document Loan Processor and Underwriter may edit a loan application Allows user to view list of all document versions for application

  12. Create New Loan: Guided Path or Expert Path? Guided Path • SBA One non-delegated loan program types (i.e. Underwriting by SBA) offered only under the guided path • 7a Standard • Community Advantage Non-Delegated • CAPLines Non-Delegated • Eligible for delegated loan program types (i.e. Underwriting by Lender) • 7a PLP • SBA Express • Community Advantage Delegated • CAPLines Delegated Expert Path • Delegated loan program types only www.sba.gov

  13. SBA One Loan Application Structure Applicant name (SBA One Ref #) (Bank Location ID) Help Text and Tool Tip 6 stages to complete before submission to E-Tran Red asterisk indicates mandatory question Complete page and click continue to save Review green checkmarks after all inputs and edits for completion www.sba.gov

  14. How does SBA One treat inactive applications? Aged Out Status Delete ( ) Option User has the option to delete an entire application (loan details and documents) through the Trash Can Actions icon on the Documents menu • Applications inactive more than 90 days are updated to an Aged Out status. • Aged Out applications edited ( ) through the Loan Pipeline will return to Application In-Process. www.sba.gov

  15. How do I add Co-Borrowers? The Small Business Borrower Legal Name will auto-fill from what was previously entered in the Primary Eligibility section. Make edits here. Select the Borrower Type from the dropdown. Select the Legal Entity Type from the dropdown. You will have the ability to add Co-Borrowers once you reach The Basics section under Eligibility. Click the Continue button to save your work and progress to the next page. Select to add additional Co-Borrower(s). Row(s) will be inserted for completion. www.sba.gov

  16. How do I input Sole Proprietorships with a husband and wife? “100” will default in the % Ownedfield for the primary “Individual”. Enter “0” in % Owned by Spouse field to create spouse record. Fill out the Details Window for each Principal Note: This can only be filled out once the % Owned has been completed. An additional row will appear with the Type pre-filled with “Spouse of (name of Spouse 1)”. • Once you get to the About the Principals/Guarantors, you will enter the information for the Spouses. www.sba.gov

  17. What are the Capacity rules for Principals/Guarantors? One controlling interest Capacity, other than “Manager” or “Guarantor” must be selected for principals whose % Owned is greater than “0” “Manager” and “Guarantor” (if not already defaulted) may also be selected E-Tran requires information on principals that collectively own 90% or more of a respective borrower Principals with “0” % Owned cannot have a controlling interest Capacity which represents an “Owner of the Concern” (e.g. Shareholder on opposite image). Principals listed multiple times in an application must be entered the same way (i.e. First, MI, Last) “Trustor” may need to guarantee the loan if Entity-Trust owns >=20% of the Borrower. Guarantors listed multiple times in an application must have the same responses to “Guaranty Type” and “Is the Guaranty Secured?” www.sba.gov

  18. When do I select the loan program type being proposed? If the loan is $350K or less, an additional question will appear requesting how the loan is proposed to be submitted. www.sba.gov

  19. E-TRAN Credit Score For loans $350K or less, SBA One will automatically request a credit score from E-Tran as long as the proposed program type is not SBA Express. Any score below 140 is considered unacceptable.

  20. What steps can I take to ensure my application can be credit scored? Verify all Borrower and Principal Tax IDs Provide the Borrower’s DUNS Number Enter address information on the appropriate line (i.e. Suite, Apt, Floor, etc. on Address Line 2) Remove directional references from addresses (e.g. North or N) Ensure at least one individual is included in the E-Tran XML www.sba.gov

  21. Change of Ownership If Less down payment paid to Seller > $0.00 then Down Payment Details must be entered (not shown) If Less Buyer injection > $0.00 then Equity Injection Details must be entered Total Amount being Financed must match Sources: [7(a) Loan + Seller Financing] Assets Purchased must match Total Purchase Price to be paid to seller per purchase contract If Seller Financing > $0.00 then Seller Financing Details must be entered www.sba.gov

  22. How do I select the loan program type?  The Loan Maturity (in months) is a combination of Loan Term and Interest Only Period. Note: SBA One does not support an Interest Only Period greater than 12 months for Term Loans. Estimated Date of Note must be provided if Maturity Period is From “date of Note” • Select from the available loan program types. Contingent upon: • PIMS • Chosen Path • Answers provided

  23. How do I confirm which application responses impacted the available Loan Program Types? Select “Check Available Loan Program Types”

  24. How do I complete the Project Information Grid? If age of business is a Start-up or New Business (1 year or less), or a Change of Ownership will result in a new owner, then >= 10% of total project cost must be from eligibleOther Financing Source(s) or Borrower Injection Source(s). Use of Funds will default read-only from Use of Proceeds in Financial Needs. Other Financing Source(s) and Borrower Injection Source(s) will default read-only from Change of Ownership, as applicable. Additional Sources may be entered in line with available Use of Funds or by + Add Source of Funds Running grand total of Total for Line Item ($) column represents the total project cost.

  25. Document Management www.sba.gov

  26. Documents Import Non-SBA One Loan for Form 159. Document Search. Application Search. Aged Out loans will not appear. Delete an In-Process Application. View Date Logs. Access application 10 Tab after completing application. Copy loan. Move loan to a different Location ID.

  27. When can I generate or manually upload documents? SBA One will prompt users to complete all 6 stages of the application prior to accessing document or Submit to E-Tran functions. www.sba.gov

  28. Loan and Credit Memo Detail Report Report automatically generates upon accessing an application’s 10 Tab after completing the full application. Report will regenerate if loan details are modified. Report is included in Consolidated Document report sent to LGPC. www.sba.gov

  29. Documents Documents / 10 Tab Submit your loan application to E-Tran. Optional validation of E-Tran errors and required documents prior submission View application. Users are able to modify until the loan is submitted to E-Tran. View any responses from E-Tran here. Once a document is generated, three icons appear: View Document, Send For DocuSign, & Edit and Upload (pdf documents <=30MB). Generate System documentin pdf . Add additional pdf documents (<=30MB). Refresh the ten tab display for latest generated documents and document statuses. 10 Tab folders will display respective document counts .

  30. How do I know which documents are required by SBA One for my non-delegated submission? SBA One enforces minimum LGPC 10 Tab document requirements before the Submit to E-Tran will work for non-delegated loans • Applications will qualify for reduced Small Loan document requirements : • Loan Amount is <=350K • Credit Score is acceptable www.sba.gov

  31. What will I see when I View Document? Document footer will identify if version is “System Generated” or “Non-System Generated”. SBA One will track each version of the same document that is generated or manually uploaded. For non-delegated loans, LGPC will only review the last version. www.sba.gov

  32. What happens when I use the Send for DocuSign function? • E-mail addresses (optional fields) must be provided in application to allow for Send for DocuSign. • Lender selects recipient(s) as applicable. • Lender chooses to convey system generated Access Code to recipient either via e-mail or verbally. • Signer receives DocuSign e-mail requiring Level 3 assurance: • E-mail Based Authentication • Access Code Authentication • Knowledge Based Authentication Process • LexisNexis record check • True Knowledge Based Authentication (KBA) • Pending signature requests will be voided if applicable document is regenerated or document is manually uploaded. www.sba.gov

  33. How do I identify the document that I am manually uploading? Step 1: Select Tab/Doctype Category Step 2: Select related SubDoctype Note: DocType will default to the active tab of user. www.sba.gov

  34. Can I drag and drop all of my documents in a single request? The Add Documentsfunction allows for multiple DocType and SubDocType combinations to be added prior to selecting Done. www.sba.gov

  35. Can I delete a document? • Loan Processor or Underwriter roles can delete “Completed” documents for applications that are “Application In-Process”. • Loan and Credit Memo Details Report may not be deleted. • Deletion will remove all versions of the document. • System generated documents may be regenerated after deletion. Document Delete www.sba.gov

  36. What happens after I Submit To E-Tran for a Non-Delegated Loan? E-Tran Response will return: Awaiting Documents (AD) loan status List of document types that are missing in E-Tran before receiving documents from SBA One SBA One will automatically begin uploading available documents to E-Tran. Average completion time for >=10 documents is 6 minutes (contingent on document counts and sizes). Applications with data errors will return to Application In-Process (IP) to be modified.

  37. How can I manage the transition from Awaiting Documents (AD) to In Review Reviewer 1 (R1)? Dynamic list of documents which have been uploaded to E-Tran to that point. Dynamic list of missing E-Tran document types. Documents available in SBA One will be included on this list until the auto-upload is complete. Wait for % complete message to disappear before viewing any remaining documents. Button will grey out once E-Tran has no missing document types. E-Tran Response will return R1 status. Use Add Document to upload additional documents to SBA One. Use Submit Documents to send additional documents to E-Tran once the SBA One document upload to E-Tran has completed. Button will be unavailable while previous document upload is in progress.

  38. Who should I contact if I have further questions? SBA One Client Service CAFS Support Re: CAFS user id access issues and other CAFS programs 888-484-2237 https://caweb.sba.gov/cls/dsp_contactus.cfm Re: SBA One program functionality and applications in-process • SBA.One@bnymellon.com • 877-245-6159 • Call Option 5

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