Terms of Use

Last updated: July 18, 2026

These are plain-language terms for using this site. By using it, you agree to them.

What this site is

This is a free educational tool that helps small businesses get organized before talking to lenders about SBA or commercial loans. Every page and tool is free to use without an account. Saving, resuming, printing, copying, downloading, and exporting use a free verified account.

It is independent

Independent educational tool, not affiliated with or endorsed by the SBA, any government agency, or any lender. SBA information is based on public guidance and should be verified against current SBA rules, forms, and lender policy.

It is not advice or a loan decision

Nothing on this site is financial, legal, or tax advice, and nothing here is a prequalification, quote, application, approval, or denial. Only a lender can make loan decisions, after reviewing your full documents. Results here are a starting point for conversations, not an outcome.

Free accounts for keeping your work

Using the tools needs no account. To save, resume, print, copy, download, or export work, create a free account and verify its email. You are responsible for protecting your password and access to your email. You can delete any saved workspace, or your whole account and all its data, from the account page. We may remove accounts that abuse the service. What we store and how deletion works is described on the privacy page.

Verify before you act

SBA rules and lender policies change. We work to keep the information current, but you should always verify it against current SBA rules, forms, and each lender’s own policies before making decisions.

Changes to these terms

If we change these terms, we will update this page and the date at the top.