SBA loan underwriting software for 7(a) and 504 lenders
vishwa.ai spreads every return for the business and each guarantor, builds global cash flow, computes DSCR on the SBA debt, and drafts the credit memo.
Documents received
- Business tax returns, 3 yearsSpread
- Personal returns for each 20%+ ownerSpread
- Interim financial statementsSpread
- Personal financial statementsSpread
- Affiliate returns and financialsSpread
- Business bank statementsSpread
Computed for the memo
Exceptions verified by our credit experts
Every figure links to its source line. Your credit team makes the decision.
Sample borrower: S corporation with two guarantors
| Line item | Business | Guarantor A | Guarantor B | Global |
|---|---|---|---|---|
| Ordinary business income | 210,0001 | |||
| Depreciation and amortization | 64,0001 | |||
| Interest expense | 38,0001 | |||
| W-2 wages | 120,0002 | 85,0003 | ||
| Living expenses | (60,000)4 | (48,000)4 | ||
| Personal debt service | (36,000)4 | (22,000)4 | ||
| Cash available for debt service | 312,000 | 24,000 | 15,000 | 351,000 |
| Debt service, existing and proposed | 210,000 | 210,0005 | ||
| DSCR | 1.49x | 1.67x |
Same rigor, a fraction of the time
With a full audit trail your auditors, examiners, and LPs can inspect.
- Faster deal closure
- 75%
- Reduce time from document intake to credit committee
- Accuracy with expert review
- 100%
- AI extracts, domain experts verify every output
- Audit trail coverage
- Full
- Every decision linked to source documents
The problem
Where SBA files lose time
How it works
How vishwa.ai automates it
The analysis
The numbers on the credit memo
Frequently asked questions
Still deciding? Talk to our team.
Can vishwa.ai underwrite SBA 7(a) and 504 loans?
Yes. Vishwa AI spreads the business and personal returns, interim financials, and personal financial statements in an SBA file, builds global cash flow across the business, its guarantors, and affiliates, computes DSCR on the proposed debt, and drafts the credit memo in your template. Your credit team reviews the file and makes the decision.
How does vishwa.ai handle multiple guarantors and affiliates on an SBA loan?
Each guarantor's personal returns and each affiliate's returns are spread separately, then combined into one global cash flow. You can drill from the global figure to any owner's line item, so it is clear where each dollar of cash flow comes from.
Does vishwa.ai decide SBA eligibility?
No. Vishwa AI prepares the spread, the cash flow analysis, and the draft credit memo. Eligibility, the credit elsewhere test, and the credit decision stay with your team and your SBA policy.
Can vishwa.ai read scanned or handwritten tax returns?
Yes. Borrowers often send phone photos and scans. Our document AI reads them, including Schedules C, E, and F and K-1s, and our experts verify anything the model is unsure of before it reaches your analyst.
Is AI underwriting auditable and explainable?
Yes. Every figure links to the source document and the calculation behind it, so when an examiner, an auditor, or an LP asks how you got a number, you can show them in one click. Vishwa AI applies the same logic to every deal and keeps a complete audit trail, which is usually the part manual spreading cannot reproduce six months later.
How accurate is the extraction, and is there human review?
AI extracts, our experts verify, and your analysts review the exceptions. In practice that turns a multi-day spreading exercise into a quick validation, with people focused on the cases that need judgment rather than re-keying a T-12 into Excel.
Keep exploring
Related
Bring an SBA file with three guarantors
We will spread every return, build global cash flow, and draft the credit memo on a call, with each figure traced to its source.
