Judge the tool by what it does.
BorrowerDesk is independently built and operated. We publish the rules of the product so you do not have to rely on a founder story, badge, or sales pitch.
No marketplace, broker handoff, paid placement, or lead resale.
No SSN, EIN, bank credentials, tax-return upload, or document upload.
Inputs, categories, formulas, assumptions, and limitations are disclosed.
What BorrowerDesk is
Borrower-side SBA 7(a) deal-preparation software. It helps a business buyer or owner organize a proposed request, model debt service, identify obvious preparation gaps, and build a lender-file checklist.
What BorrowerDesk is not
BorrowerDesk is not a lender, broker, marketplace, lead generator, financial advisor, credit bureau, law firm, accounting firm, or government agency. It is not affiliated with or endorsed by the U.S. Small Business Administration. It does not offer preapproval, match you with a lender, quote terms, or predict approval.
Data boundaries
The check runs from borrower-entered answers. It does not ask for a Social Security number, Employer Identification Number, account credentials, bank statements, tax returns, or uploaded deal documents. “Save in browser” keeps progress on that device. Optional “Save online” creates a private recovery link without requiring an account or email; the saved check expires after 90 days. There is no lender handoff built into the result.
Scoring boundaries
The readiness score is a preparation score, not an underwriting model. It uses four disclosed categories: eligibility, cash flow, guarantor, and credit-file readiness. It also uses simplified borrower-entered assumptions. The report shows the same request, structure, rate, term, debt-service estimate, equity percentage, liquidity estimate, and document count used to create its read.
Read the full scoring methodology and formulas →
Policy maintenance
Methodology version 1.0 · Last policy review: August 17, 2026.
BorrowerDesk links to primary SBA materials where a current policy point matters. Program rules and lender credit standards change. The date above tells you when the published policy basis was last checked; it does not guarantee that every change has already been reflected.
Known limitations
The tool cannot test every SBA eligibility rule, lender policy, size standard, affiliation issue, guarantor fact, collateral condition, environmental requirement, franchise rule, criminal-history question, or deal-specific circumstance. Lenders may calculate cash flow and debt service differently. Verify current requirements with the SBA and a participating lender before relying on a financing plan.
The standard we hold ourselves to
- Never manufacture a founder biography, lender endorsement, customer testimonial, approval statistic, physical address, or credential.
- Never imply that a score is an approval probability or lender commitment.
- Keep the useful parts of the tool available without requiring contact information.
- Show the assumptions behind calculations and date material policy reviews.
- Make product limits at least as visible as product claims.