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Sample pack · Lakeshore Bakery Equipment (fictional)

Step 5 of 5 · Your pack

Check every answer, fill what is missing, then submit it yourself.

SBA 7(a) Loan Program: your application

Lakeshore Bakery Equipment LLC · drafted 10-08-2026 · 0 credits · edit and re-download until you delete it

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  • Demo fixture generated 2026-10-08 by src/scripts/_co-gs-fixtures.mts with the built-in drafter.

Applicant business

DBA or Tradename (if applicable)

Missing: DBA or Tradename (if applicable)

Business TIN (EIN, SSN)

Sensitive identifier. The founder enters it on the lender's own form; it is not drafted.

Missing: Business TIN (EIN, SSN)

Primary Industry / NAICS Code (6 digit)

Instructions: the NAICS code must match the business activity code on the applicant's IRS income tax filings, if applicable.

Missing: Primary Industry / NAICS Code (6 digit)

Business Phone

Missing: Business Phone

Unique Entity ID used in SAM.gov, if any

Missing: Unique Entity ID used in SAM.gov, if any

Year began operations

Missing: Year began operations

Entity Type (check one)

LLC

Based on: profile

Special Ownership Type (select all that apply)

Select all that apply; leave blank if none applies.

Missing: choose one — Employee Stock Ownership Plan (ESOP) | 401(k) or ROBS 401(k) Trust | Cooperative | Native-American Tribal-Owned Business | Other

Business Address (Street, City, State, Zip Code)

Do not use P.O. Box address

Missing: Business Address (Street, City, State, Zip Code)

Project Address, if different than Business Address (Street, City, State, Zip Code)

Do not use P.O. Box address

Missing: Project Address, if different than Business Address (Street, City, State, Zip Code)

Primary Contact Name

Missing: Primary Contact Name

Primary Contact Email Address

Missing: Primary Contact Email Address

# of existing employees (including owners, all part-time, full-time and all employees of domestic and foreign Affiliates – do not convert to FTE)

9

Based on: employees

# of FTE jobs saved/retained because of the loan (including owners)

Missing: # of FTE jobs saved/retained because of the loan (including owners)

# of new FTE jobs created because of the loan (including owners)

Missing: # of new FTE jobs created because of the loan (including owners)

Loan request

Purpose of the loan (i.e., Purchase Real Estate; Construction; Equipment; Inventory; Eligible Debt Refinancing; Working Capital; etc.)

Form rows: Acquisition/installation of equipment; Purchase/Construction of Commercial Real Estate; Working Capital; Acquisition of inventory; Business acquisition (Change of Ownership); Debt refinancing; Other (two lines). The amounts across all Forms 1919 must equal the total loan request.

Missing: fill the Purpose of the loan (i.e., Purchase Real Estate; Construction; Equipment; Inventory; Eligible Debt Refinancing; Working Capital; etc.) table (Purpose, Amount ($))

Applicant ownership and demographic information

Applicant Ownership (Mandatory) and Demographic Information – Identify all entities that own at least 20% of the Applicant, including the natural persons who own those entities, and at least 51% of the Beneficial Owners (as defined in SOP 50 10) of the Applicant. Attach a separate sheet if necessary.

Owners = sole proprietor; general partners and limited partners with 20%+; shareholders with 20%+; LLC members with 20%+; any trustor if owned by a trust (form instructions). TINs and home addresses are the founder's to enter on the lender's form.

Missing: fill the Applicant Ownership (Mandatory) and Demographic Information – Identify all entities that own at least 20% of the Applicant, including the natural persons who own those entities, and at least 51% of the Beneficial Owners (as defined in SOP 50 10) of the Applicant. Attach a separate sheet if necessary. table (Owner's Legal Name (First name Last name), Title, Ownership %, TIN (SSN/EIN), Home Address (Street, City, State, Zip Code - No P.O. Box))

Owner's Legal Name (First name Last name)

Optional. Collected for program reporting only; one block for each individual holding 20% or more.

Lakeshore Bakery Equipment LLC

Based on: name

Owner's Position

Optional. For example: sole proprietor; general partner; owner; officer; director; or member.

Missing: Owner's Position

Veteran Status

Optional; disclosure is voluntary and has no bearing on the loan decision.

Missing: choose one — Non-Veteran | Veteran | Service-Disabled Veteran | Spouse of Veteran | Not Disclosed

Sex

Optional.

Missing: choose one — Male | Female

Race (more than 1 may be selected)

Optional.

Missing: choose one — American Indian or Alaska Native | Asian | Black or African American | Native Hawaiian or Pacific Islander | White | Not Disclosed

Ethnicity

Optional.

Missing: choose one — Hispanic or Latino | Not Hispanic or Latino | Not Disclosed

Questions (answer Yes or No; give details to the Lender if Yes)

Is the Applicant or if the Applicant is structured as an Eligible Passive Company (EPC) and Operating Company (OC), both the EPC and OC, or any Associate of the Applicant presently suspended, debarred, proposed for debarment, declared ineligible, voluntarily excluded from participation in a transaction by any Federal department or agency, or presently involved in any bankruptcy?

If Yes, give details to the Lender in a separate attachment.

Missing: Is the Applicant or if the Applicant is structured as an Eligible Passive Company (EPC) and Operating Company (OC), both the EPC and OC, or any Associate of the Applicant presently suspended, debarred, proposed for debarment, declared ineligible, voluntarily excluded from participation in a transaction by any Federal department or agency, or presently involved in any bankruptcy?

Is the Applicant, any Associate of the Applicant, or any business owned by them or any Affiliates (per 13 CFR 121.301(f)), currently delinquent or have ever defaulted on a direct or guaranteed loan from SBA, or another Federal agency loan program (including, but not limited to USDA, B&I, FSA, FHA, EDA), or been a guarantor on such a loan?

If Yes, give details to the Lender in a separate attachment.

Missing: choose one — Yes | No

Is the Applicant or any owner of the Applicant an owner of any other business? If yes, list all such businesses (including their TINs), percentage of ownership, and describe the relationship on a separate sheet identified as addendum A.

If Yes, list every such business with TIN, ownership percentage and relationship on a separate sheet identified as addendum A.

Missing: choose one — Yes | No

Is the Applicant or any Associate of the Applicant currently incarcerated, serving a sentence of imprisonment imposed upon adjudication of guilty, or is under indictment for a felony or any crime involving or relating to financial misconduct or a false statement? (if "Yes" the Applicant is not eligible for SBA financial assistance.)

If Yes, give details to the Lender in a separate attachment.

Missing: choose one — Yes | No

Initial here to confirm your response to question 4 (originally initialed, or an acceptable electronic signature, and not typed.)

Must be the founder's own initials or e-signature. It cannot be drafted or typed on the founder's behalf.

Missing: Initial here to confirm your response to question 4 (originally initialed, or an acceptable electronic signature, and not typed.)

Are any of the Applicant's products and/or services exported (directly or indirectly), or is there a plan to begin exporting (directly or indirectly) as a result of this loan, or is this an Export Working Capital Program (EWCP)* loan? If "Yes," answer questions 5.a) and b) below, if "No" move to question 6

If Yes, answer 5.a and 5.b. For EWCP loans, attach details of the underlying transaction(s), buyer countries and products/services to be exported.

Missing: choose one — Yes | No

5.a) Provide the estimated total export sales this loan will support.

Dollars. Only if question 5 is Yes.

Missing: 5.a) Provide the estimated total export sales this loan will support.

5.b) List of principal countries of Export (list at least 1):

Only if question 5 is Yes.

Missing: 5.b) List of principal countries of Export (list at least 1):

Has the Applicant paid or committed to pay a fee to the Lender or a third party to assist in the preparation of the loan application or application materials, or has the Applicant paid or committed to pay a referral agent or broker a fee? If "Yes" provide details to your Lender (the name of the third party and the amount of the fee). The Applicant is not required to obtain or pay for unwanted services.

If Yes, give the Lender the name of the third party and the amount of the fee.

Missing: choose one — Yes | No

Are any of the Applicant's revenues derived from gambling, loan packaging, lending activities, lobbying activities, or from the sale of products or services, or the presentation of any depiction, displays or live performances, of a prurient sexual nature? If "Yes," provide details under a separate attachment.

If Yes, give details to the Lender in a separate attachment.

Missing: choose one — Yes | No

Is any sole proprietor, partner, officer, director, stockholder with a 10 percent or more interest in the Applicant an SBA employee or a Household Member of an SBA employee? (13 CFR 105.204).

If Yes, give details to the Lender in a separate attachment.

Missing: choose one — Yes | No

Is any employee, owner, partner, attorney, agent, owner of stock, officer, director, creditor or debtor of the Applicant a former SBA employee who has been separated from SBA for less than one year prior to the request for financial assistance? (13 CFR 105.203)

If Yes, give details to the Lender in a separate attachment.

Missing: choose one — Yes | No

Is any sole proprietor, general partner, officer, director, or stockholder with a 10 percent or more interest in the Applicant, or a household member of such individual, a member of Congress, or an appointed official or employee of the legislative or judicial branch of the Federal Government? (13 CFR 105.301(c))

If Yes, give details to the Lender in a separate attachment.

Missing: Is any sole proprietor, general partner, officer, director, or stockholder with a 10 percent or more interest in the Applicant, or a household member of such individual, a member of Congress, or an appointed official or employee of the legislative or judicial branch of the Federal Government? (13 CFR 105.301(c))

Is any sole proprietor, general partner, officer, director, or stockholder with a 10 percent or more interest in the Applicant, or a household member of such individual, a Federal Government employee or Member of the Military having a grade of at least GS-13 or higher (or Military equivalent)? (13 CFR 105.301(a))

If Yes, give details to the Lender in a separate attachment.

Missing: choose one — Yes | No

Is any sole proprietor, general partner, officer, director, or stockholder with a 10 percent or more interest in the Applicant, or a household member of such individual, a member or employee of a Small Business Advisory Council or a SCORE volunteer? (13 CFR 105.302(a))

If Yes, give details to the Lender in a separate attachment.

Missing: choose one — Yes | No

Applicant certification (signature block)

Print Name

Name of the authorized representative of the Applicant who signs. The signature itself is the founder's own; it is never drafted.

Missing: Print Name

Title

Missing: Title

Date

Date the founder signs.

Missing: Date

For you to add, in order 39

  1. DBA or Tradename (if applicable): DBA or Tradename (if applicable)
  2. Business TIN (EIN, SSN): Business TIN (EIN, SSN)
  3. Primary Industry / NAICS Code (6 digit): Primary Industry / NAICS Code (6 digit)
  4. Business Phone: Business Phone
  5. Unique Entity ID used in SAM.gov, if any: Unique Entity ID used in SAM.gov, if any
  6. Year began operations: Year began operations
  7. Special Ownership Type (select all that apply): choose one — Employee Stock Ownership Plan (ESOP) | 401(k) or ROBS 401(k) Trust | Cooperative | Native-American Tribal-Owned Business | Other
  8. Business Address (Street, City, State, Zip Code): Business Address (Street, City, State, Zip Code)
  9. Project Address, if different than Business Address (Street, City, State, Zip Code): Project Address, if different than Business Address (Street, City, State, Zip Code)
  10. Primary Contact Name: Primary Contact Name
  11. Primary Contact Email Address: Primary Contact Email Address
  12. # of FTE jobs saved/retained because of the loan (including owners): # of FTE jobs saved/retained because of the loan (including owners)
  13. # of new FTE jobs created because of the loan (including owners): # of new FTE jobs created because of the loan (including owners)
  14. Purpose of the loan (i.e., Purchase Real Estate; Construction; Equipment; Inventory; Eligible Debt Refinancing; Working Capital; etc.): fill the Purpose of the loan (i.e., Purchase Real Estate; Construction; Equipment; Inventory; Eligible Debt Refinancing; Working Capital; etc.) table (Purpose, Amount ($))
  15. Applicant Ownership (Mandatory) and Demographic Information – Identify all entities that own at least 20% of the Applicant, including the natural persons who own those entities, and at least 51% of the Beneficial Owners (as defined in SOP 50 10) of the Applicant. Attach a separate sheet if necessary.: fill the Applicant Ownership (Mandatory) and Demographic Information – Identify all entities that own at least 20% of the Applicant, including the natural persons who own those entities, and at least 51% of the Beneficial Owners (as defined in SOP 50 10) of the Applicant. Attach a separate sheet if necessary. table (Owner's Legal Name (First name Last name), Title, Ownership %, TIN (SSN/EIN), Home Address (Street, City, State, Zip Code - No P.O. Box))
  16. Owner's Position: Owner's Position
  17. Veteran Status: choose one — Non-Veteran | Veteran | Service-Disabled Veteran | Spouse of Veteran | Not Disclosed
  18. Sex: choose one — Male | Female
  19. Race (more than 1 may be selected): choose one — American Indian or Alaska Native | Asian | Black or African American | Native Hawaiian or Pacific Islander | White | Not Disclosed
  20. Ethnicity: choose one — Hispanic or Latino | Not Hispanic or Latino | Not Disclosed
  21. Is the Applicant or if the Applicant is structured as an Eligible Passive Company (EPC) and Operating Company (OC), both the EPC and OC, or any Associate of the Applicant presently suspended, debarred, proposed for debarment, declared ineligible, voluntarily excluded from participation in a transaction by any Federal department or agency, or presently involved in any bankruptcy?: Is the Applicant or if the Applicant is structured as an Eligible Passive Company (EPC) and Operating Company (OC), both the EPC and OC, or any Associate of the Applicant presently suspended, debarred, proposed for debarment, declared ineligible, voluntarily excluded from participation in a transaction by any Federal department or agency, or presently involved in any bankruptcy?
  22. Is the Applicant, any Associate of the Applicant, or any business owned by them or any Affiliates (per 13 CFR 121.301(f)), currently delinquent or have ever defaulted on a direct or guaranteed loan from SBA, or another Federal agency loan program (including, but not limited to USDA, B&I, FSA, FHA, EDA), or been a guarantor on such a loan?: choose one — Yes | No
  23. Is the Applicant or any owner of the Applicant an owner of any other business? If yes, list all such businesses (including their TINs), percentage of ownership, and describe the relationship on a separate sheet identified as addendum A.: choose one — Yes | No
  24. Is the Applicant or any Associate of the Applicant currently incarcerated, serving a sentence of imprisonment imposed upon adjudication of guilty, or is under indictment for a felony or any crime involving or relating to financial misconduct or a false statement? (if "Yes" the Applicant is not eligible for SBA financial assistance.): choose one — Yes | No
  25. Initial here to confirm your response to question 4 (originally initialed, or an acceptable electronic signature, and not typed.): Initial here to confirm your response to question 4 (originally initialed, or an acceptable electronic signature, and not typed.)
  26. Are any of the Applicant's products and/or services exported (directly or indirectly), or is there a plan to begin exporting (directly or indirectly) as a result of this loan, or is this an Export Working Capital Program (EWCP)* loan? If "Yes," answer questions 5.a) and b) below, if "No" move to question 6: choose one — Yes | No
  27. 5.a) Provide the estimated total export sales this loan will support.: 5.a) Provide the estimated total export sales this loan will support.
  28. 5.b) List of principal countries of Export (list at least 1): 5.b) List of principal countries of Export (list at least 1):
  29. Has the Applicant paid or committed to pay a fee to the Lender or a third party to assist in the preparation of the loan application or application materials, or has the Applicant paid or committed to pay a referral agent or broker a fee? If "Yes" provide details to your Lender (the name of the third party and the amount of the fee). The Applicant is not required to obtain or pay for unwanted services.: choose one — Yes | No
  30. Are any of the Applicant's revenues derived from gambling, loan packaging, lending activities, lobbying activities, or from the sale of products or services, or the presentation of any depiction, displays or live performances, of a prurient sexual nature? If "Yes," provide details under a separate attachment.: choose one — Yes | No
  31. Is any sole proprietor, partner, officer, director, stockholder with a 10 percent or more interest in the Applicant an SBA employee or a Household Member of an SBA employee? (13 CFR 105.204).: choose one — Yes | No
  32. Is any employee, owner, partner, attorney, agent, owner of stock, officer, director, creditor or debtor of the Applicant a former SBA employee who has been separated from SBA for less than one year prior to the request for financial assistance? (13 CFR 105.203): choose one — Yes | No
  33. Is any sole proprietor, general partner, officer, director, or stockholder with a 10 percent or more interest in the Applicant, or a household member of such individual, a member of Congress, or an appointed official or employee of the legislative or judicial branch of the Federal Government? (13 CFR 105.301(c)): Is any sole proprietor, general partner, officer, director, or stockholder with a 10 percent or more interest in the Applicant, or a household member of such individual, a member of Congress, or an appointed official or employee of the legislative or judicial branch of the Federal Government? (13 CFR 105.301(c))
  34. Is any sole proprietor, general partner, officer, director, or stockholder with a 10 percent or more interest in the Applicant, or a household member of such individual, a Federal Government employee or Member of the Military having a grade of at least GS-13 or higher (or Military equivalent)? (13 CFR 105.301(a)): choose one — Yes | No
  35. Is any sole proprietor, general partner, officer, director, or stockholder with a 10 percent or more interest in the Applicant, or a household member of such individual, a member or employee of a Small Business Advisory Council or a SCORE volunteer? (13 CFR 105.302(a)): choose one — Yes | No
  36. Is the Applicant, any owner of the Applicant, or any business owned by them (Affiliates), presently involved in any legal action (including divorce)? If yes, provide details.: choose one — Yes | No
  37. Print Name: Print Name
  38. Title: Title
  39. Date: Date
How this was drafted

The follow-up questions it asked the founder

  • DBA or Tradename (if applicable) — what should the application say here?

    Not answered, so the draft leaves a highlighted gap.

  • Business TIN (EIN, SSN) — what should the application say here?

    Not answered, so the draft leaves a highlighted gap.

  • Year began operations — what should the application say here?

    Not answered, so the draft leaves a highlighted gap.

  • Entity Type (check one) — what should the application say here?

    Not answered, so the draft leaves a highlighted gap.

  • Special Ownership Type (select all that apply) — what should the application say here?

    Not answered, so the draft leaves a highlighted gap.

  • # of FTE jobs saved/retained because of the loan (including owners) — what should the application say here?

    Not answered, so the draft leaves a highlighted gap.

  • # of new FTE jobs created because of the loan (including owners) — what should the application say here?

    Not answered, so the draft leaves a highlighted gap.

  • Purpose of the loan (i.e., Purchase Real Estate; Construction; Equipment; Inventory; Eligible Debt Refinancing; Working Capital; etc.) — what should the application say here?

    Not answered, so the draft leaves a highlighted gap.

How it reads against the published criteria

An estimate to help the founder improve the draft, not a prediction of selection.

CriterionEstimateNote
Description and history of the business and depth of management experience (SOP 50 10 credit analysis: nature of the business, time under current management, management experience, principals' day-to-day involvement).— / —Estimate from completeness only: 5 of 44 answers have no open input. No model has read the substance yet — your reviewer will when the drafting model is connected.
Ability and likelihood to repay from business cash flow: three years of historical financials plus interim statements for existing businesses; detailed projections with assumptions (debt service coverage 1.15 or better within 2 years) for start-ups. Cash flow is the primary source of repayment, not collateral.— / —Estimate from completeness only: 5 of 44 answers have no open input. No model has read the substance yet — your reviewer will when the drafting model is connected.
Equity position and any required equity injection (10% of project costs for start-ups; changes of ownership follow SOP Appendix 15).— / —Estimate from completeness only: 5 of 44 answers have no open input. No model has read the substance yet — your reviewer will when the drafting model is connected.
Owner and guarantor personal credit and character (credit reports, debarment, delinquency on federal debt, criminal history questions on Form 1919).— / —Estimate from completeness only: 5 of 44 answers have no open input. No model has read the substance yet — your reviewer will when the drafting model is connected.

Where the questions come from

Questions are SBA Form 1919 (02/2025), the 7(a) Borrower Information Form, effective March 19, 2025, OMB 3245-0348 (expires 6/30/2027), read 2026-10-08 from the PDF listed on SBA's document page (https://www.sba.gov/document/sba-form-1919-borrower-information-form; the PDF was fetched from the legacy.sba.gov host because the redesigned www.sba.gov returned 404 for the old file path). The form is completed by the small business and submitted to the SBA participating lender, who also applies its own credit forms. 7(a) is open on a rolling basis through lenders (https://www.sba.gov/funding-programs/loans/7a-loans, read 2026-10-08). Eligibility, equity injection and credit-analysis requirements come from SOP 50 10 8.1 (effective October 1, 2026, read 2026-10-08) and SBA Procedural Notice 5000-876626 (citizenship, effective March 1, 2026).

  • The lender, not SBA, takes the application: its contents vary with loan size and the lender's processing method (SBA's 7(a) page says so). Form 1919 is the only SBA-prescribed borrower form we could read; lenders add their own application, business plan, interim statements and checklists, which are not public and are not modeled.
  • The Form 1919 PDF dated 02/2025 is the latest variant SBA's document page lists (page last updated March 31, 2025). Its certification text still refers to 51% ownership by citizens or lawful permanent residents; SBA's March 1, 2026 notice requires 100% U.S. citizen or U.S. national ownership. We found no revised Form 1919 reflecting this; confirm with the lender which version it uses.
  • company.us_person_ownership_pct in the profile counts citizens AND lawful permanent residents (13 CFR 121.702). For 7(a) only citizens and U.S. nationals count, so a pass on this rule must be confirmed with the founder.
  • Signatures, initials (question 4) and the full certification block are the founder's own and are never drafted. TIN/SSN, home addresses and demographic fields are sensitive and left for the founder to enter on the lender's secure form.
  • Form 1920 (Lender's Application for Guaranty) was retired August 1, 2023 and is not a borrower document. SBA Form 912 (Statement of Personal History) exists on sba.gov (updated Feb 2026) but we could not confirm from public text which applicants must file it, so it is not listed as required.
  • Founders with prior SBA or federal loan history, other businesses, or legal actions need separate attachments the form asks for but does not template.
  • Skeptic 2026-10-08: every one of the 44 question labels was matched against the Form 1919 (02/2025) PDF text; the founder-facing equity (10% start-up), DSC 1.15 within 2 years, 120-day interim statements, 90-day owner financial statements, $5M cap and the interest-rate ceilings were re-confirmed in SOP 50 10 8.1 text. The Working Capital Pilot terms (60 months, 1-year history) were removed because SOP 50 10 8.1 does not state them.
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