SOP 50 10 8 Compliant Analysis

SBA Underwriting You Can Rely On

Independent credit analysis for brokers and community banks. We deliver SOP-compliant underwriting, fast turnaround, and credit memos built to close.

Submit a Package → See How It Works
Sample Credit Summary
Loan Type SBA 7(a) — $850,000
Global DSCR 1.38x ✓ Pass
SBA Eligibility ✓ Eligible
Use of Proceeds ✓ Confirmed
Collateral Under Review
Turnaround 48 Hours
Recommended for Approval
Subject to collateral confirmation
48hr
Standard Turnaround
$5M+
Loans Analyzed
SOP 50 10 8
Fully Compliant
100%
Independent Analysis
What We Offer

Credit Analysis Built for the SBA Market

Every analysis is grounded in SOP 50 10 8 and written by an experienced SBA underwriter — not a template engine.

📋
Feasibility Review
A fast pre-screen before you invest time packaging the deal. Know if it flies before you submit.
  • ✓ Eligibility check against SOP
  • ✓ DSCR snapshot analysis
  • ✓ Red flag identification
  • ✓ Go / No-go recommendation
📄
Full Credit Memo
A complete, bank-ready credit memorandum covering every SBA underwriting requirement from eligibility to collateral.
  • ✓ Full financial spreading
  • ✓ Global cash flow analysis
  • ✓ Collateral & guaranty review
  • ✓ Closing conditions list
🏦
Bank Outsource Partnership
For community banks that want SBA volume without the overhead of a full-time SBA credit officer on staff.
  • ✓ Dedicated review pipeline
  • ✓ SOP compliance assurance
  • ✓ Credit committee ready output
  • ✓ Volume-based pricing available
The Process

Simple. Fast. Thorough.

From submission to delivered memo in as little as 48 hours.

1
Submit Your Package
Upload your loan package securely through our submission form or email directly.
2
We Review the File
Our underwriter analyzes eligibility, financials, collateral, and SOP compliance.
3
We Flag Any Gaps
Missing items are identified upfront so you can cure issues before they kill the deal.
4
Receive Your Memo
A polished, lender-ready credit memo delivered to your inbox within 48 hours.
Who We Serve

Built for Both Sides of the Deal

Whether you originate deals or approve them, Cornerstone Underwriting gives you the analysis you need to move with confidence.

For SBA Brokers
Know Before You Package
Stop wasting 40 hours on deals that were never going to close. Get a pre-underwriting opinion before you commit to the full package.
  • · Fast feasibility reviews before packaging
  • · Identify deal-killers before submission
  • · Deliver stronger packages to your lenders
  • · Flat fee per file, no retainer required
For Community Banks
SBA Volume Without the Overhead
You have the SBA license and the relationships. We provide the underwriting expertise to close deals your team would otherwise turn away.
  • · Full credit memos ready for committee
  • · SOP 50 10 8 guaranty jeopardy analysis
  • · Outsourced capacity without hiring
  • · Volume pricing for recurring partnerships
Get Started

Submit a Deal or Request a Quote

Tell us about your loan package and we will respond within one business day.

Prefer email? Reach us directly at info@cornerstoneunderwriting.com