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 isn’t about 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 buys the most time back: 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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