Terms of Use

Last updated: August 1, 2026

These are the 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 loans. Every page and tool is free, and the site has no accounts — nothing requires signing in, including printing and downloading. Using it requires no name, no email address, and no personal information; see the privacy page for the full details.

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.

Keep your work by printing it

The site stores nothing, so printing — or saving the files the tools let you download — is how you keep your results, checklists, and worksheets. Downloads are created in your browser and are never sent to us. If accounts or saving are ever added, these terms and the privacy page will describe them before they appear.

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.

No warranty; limit of responsibility

This site is provided as-is. We work to keep it accurate and current, but we cannot promise it always is, and we are not responsible for loan outcomes or for decisions made from it. What you build here is a starting point — loan decisions are made by you and your lender, after reviewing your full documents.

Changes to these terms

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