Compliance + audit trail for AI work
An audit-trail format regulators and lenders will thank you for. Anchored to the MHG SBA 7(a) loan process, a real in-flight financing.
Paper trail, why
Mile High Golf is in the middle of an SBA 7(a) loan process for the Denver NC flagship site at 7521 Eastern Medical Dr. The loan hasn’t closed. MHG is preparing the application package (financial projections, site analysis, business plan, market research) with significant AI assistance from the SUMMIT agent. Curtis Woodie and Olivia Merlock are doing the venue ops work. Sarah Cooley at Ascent RE is advising on the site.
When the underwriter reviews this package they’ll ask: how did you arrive at these numbers? Who reviewed this analysis? What are the assumptions behind this projection? If the answers exist only in an agent session that was never saved, or in a session transcript that can’t be cleanly presented to a lender, the loan review stalls.
AI assistance creates a compliance gap that human-only work doesn’t have. A human financial analyst who builds a projection owns it. Their name is on it, their methodology is documentable, review of the inputs is assumed. An agent that builds a projection isn’t an analyst. The operator who submits that projection to a lender needs to be the human who can answer for it. The audit trail is what makes that possible.
Same discipline applies across the TruPath portfolio. QC provisional patent application (patent-sensitive, attorney review required). Crave Athletics NDA (already signed, CIPHER confirms status). Investor materials (CEO review required before any distribution). Anywhere AI-assisted work goes to an external party with scrutiny rights, the audit trail is the governance mechanism.
Where regulators and lenders actually look
SBA 7(a) underwriters aren’t looking for AI disclosures. The SBA doesn’t currently require them. They’re looking for the things they’ve always looked at. Reproducibility, accuracy, and the human who stands behind the numbers.
| What they check | What they’re actually asking | What you need |
|---|---|---|
| Projection reproducibility | Can you show us how you got from inputs to these numbers? | Named assumption set file + reproduction test |
| Assumption defensibility | Are the inputs to your projection reasonable for this market? | Comparable venue data, cited sources, human domain review (Curtis/Olivia on ops assumptions) |
| Human accountability | Who reviewed and stands behind this document? | Review record with name, date, attestation |
| Source traceability | Where did the market data come from? | Cited sources in the document; not “agent research” |
The audit trail doesn’t need to disclose AI assistance. It needs to demonstrate human accountability. The “AI-assisted, human-reviewed” standard satisfies all four checks. The human reviewer can reproduce the projection from its inputs, defend the assumptions, and has their name on the attestation.
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Compliance + audit trail for AI work
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