Credit Scoring FAQs

All SBA 7(a) Small Loans (up to and including $350,000) are screened for a credit score upon entering the application into E-Tran. If the applicant receives an acceptable credit score, the application may be submitted via E-Tran. If the applicant does not receive an acceptable credit score, the lender may submit a Standard 7(a) loan application to the Loan Guaranty Processing Center (following the procedures for loans over $350,000) or, if the lender is an SBA Express lender, as an SBA Express application via E-Tran for a 50% guaranty.

The SBA has prepared the attached frequently asked questions to assist our lenders with the credit scoring process.

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