SBA loan packet drafting with agents
The 12-document SBA 7(a) packet, agent-assisted, with rework rate measured. Anchored to the MHG Denver NC in-flight application.
What agents can do for a loan packet
Mile High Golf is in the middle of an SBA 7(a) loan process that has been complicated by a site pivot. The original application was Hickory-scoped. The Denver NC site decision was made April 28 — 7521 Eastern Medical Dr, Lake Norman corridor, I-77. The loan needs to be repointed to Denver. No signed lease yet; no DDI buildout scope for Denver; Lincolnton TIP and Facade grants are likely dead. Michael Brenneman is CEO; Curtis Woodie is co-founder and venue ops; Olivia Merlock is GM; Sarah Cooley at Ascent RE is advising on the commercial real estate side.
This is a real in-flight loan with real constraints. The lesson doesn’t describe a hypothetical SBA process — it describes the actual state of MHG’s financing as of May 2026. The constraints (no signed lease, pending buildout scope, repointed application) are exactly where agent assistance has the most leverage: drafting the narrative sections, building the financial model structure, running the consistency audit, and maintaining the number and status registries.
What agents can’t do: provide the domain knowledge for the operating assumptions (that requires Curtis and Olivia), confirm the site-specific facts (that requires the landlord meeting and lease execution), or submit anything to the lender (every submission goes through SUMMIT → CEO review before going external). Any SBA or lender communication is flagged immediately — it routes to SUMMIT then CEO before any response.
The 12-document packet
A standard SBA 7(a) loan packet typically includes 12 core document types. The agent handles drafting and structuring; human review and approval is required before any document is submitted.
| Document | Agent role | Human validation required |
|---|---|---|
| 1. Executive summary | Draft last — synthesizes all other documents | CEO review and approval |
| 2. Business plan narrative | Draft from concept plan and market research | CEO + Curtis review for ops accuracy |
| 3. Market analysis | Research and draft Denver/Lake Norman market | Sarah Cooley validates RE framing |
| 4. Management team profiles | Structure and draft from provided bios | Each individual verifies own profile |
| 5. Financial projections (5-year) | Build model structure; populate with validated inputs | Curtis + Olivia validate ops assumptions; CEO approves |
| 6. Pro forma P&L | Generate from financial model | CEO reviews before submission |
| 7. Cash flow projection | Generate from financial model | CEO reviews before submission |
| 8. Use of proceeds | Draft with confirmed + pending items qualified | CEO confirms all figures and status |
| 9. Personal financial statements | Structure form; data provided by principals | Each principal provides own financial data |
| 10. Site documentation | Assemble from provided documents | Legal description, landlord contact confirmed |
| 11. Ownership and entity docs | Assemble from existing entity documents | Attorney reviews for accuracy |
| 12. Resume / background | Format from provided background information | Each principal verifies own resume |
The number registry and status registry are prerequisite to all 12 documents. Build them before drafting begins.
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SBA loan packet drafting with agents
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