Independence

I write about SBA lending from the borrower’s position. I am not paid by lenders, CDCs, brokers or packagers, and I do not accept referral fees on loans.

Why that matters

Much of the SBA ecosystem is appropriately made up of professionals who are paid to originate, structure, package, close or service financing. My role is different.

I write for the owner who is preparing to make the decision and sign the documents. There is no lender or loan-referral compensation attached to the conclusions I publish here. That independence does not mean this work is noncommercial. It means the commercial relationship is not tied to the borrower’s choice of lender or loan.

Partner commissions

DiliaWood.com may approve independent publishers, educators, community operators or other partners to recommend The Loan-Ready Kit. If an attributed recommendation results in a product purchase, the approved partner may receive a commission from that product sale.

No partner is paid for referring a borrower to a lender, CDC, broker or packager. No partner commission depends on a loan application, eligibility decision, approval, funding, closing, rate, term or amount financed.

Partners are required to disclose when they may earn a commission from a Loan-Ready Kit purchase. The program rules are published in the Loan-Ready Kit Partner Terms .

Where the rules come from

The source of truth for current SBA program rules is SBA.gov. SBA limits, policies, forms and program requirements can change, so I point readers to current authoritative sources where those rules matter.

I do not present my own transaction, a lender’s practice or my interpretation as a substitute for current SBA requirements.

What I add to the record

My contribution is the part an official program page cannot provide: firsthand experience preparing, financing, developing and operating an SBA-backed project, along with the documentary record that followed it.

That experience informs how I write about borrower preparation, questions to ask, information to understand before applying, and the distinction between published program requirements and what can vary by lender or transaction.

My own SBA experience is not treated as a universal rule. When something changes by lender, structure or individual file, I mark that boundary.

Reader support

Readers who want to support this publication can do so through newsletter subscriptions. That support is independent of lenders and loan transactions.