For SBA Lenders & Underwriters

Third-party market documentation in every loan package.

This page is for lenders and underwriters who receive a VeriGap report in a loan file and want to understand what it is, what data backs it, and what it doesn't claim to do.

VeriGap Deal Intelligence Reports give your underwriters independent, government-sourced market analysis — structured for SBA SOP 50 10 8 compliance.

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Why Lenders Value It

Independent data. Consistent format. Federal sources only.

Independent third-party market data
Not generated by the borrower or broker. Sourced from federal government APIs — the same datasets your analysts already rely on.
Consistent documentation format
Every report follows the same structure. Your underwriters know what to expect. Faster review, fewer RFIs.
National coverage, no state-specific APIs
Any county in the United States. Census block-group demographics, BLS employment, BEA regional income, FEMA risk — all federal.

Report Contents

What your underwriter receives.

✓
Credit Elsewhere Analysis
Government-anchored narrative supporting SBA eligibility determination
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Opportunity Score — 8 Dimensions
Population density, income, traffic, competition, employment, trends, building permits, FEMA risk
✓
Trade Area Demographics
Block-group ring bands: 1 / 3 / 5 mile income, household count, median income from ACS 5-year
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Competitive Supply Gap
Dedicated-format + broad NAICS operators; OSM-identified competitors within trade area
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Revenue Triangulation
Conservative / base / optimistic range from ACS income × penetration rate assumptions
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Site Map + Competitor Proximity Map
Mapbox Static Images embedded in PDF; competitor pins at OSM-derived coordinates
✓
Data Citations Throughout
Census, BLS, BEA, FEMA, OpenStreetMap — every claim footnoted
✓
SBA SOP 50 10 8 Language
Framing consistent with current SBA standard operating procedure for 7(a) underwriting
Download Sample Report (PDF) →

Data Sources

U.S. Census Bureau
American Community Survey (5-year)
Bureau of Labor Statistics
Quarterly Census of Employment & Wages
Bureau of Economic Analysis
Regional economic accounts
FEMA
National Flood Hazard Layer
OpenStreetMap
Business point-of-interest data
U.S. Census TIGER/Web
Block group geographies

Institutional Inquiry

Bulk access for SBA lender teams.

If your team reviews SBA loan packages regularly, we can discuss bulk report access, direct integration into your underwriting workflow, or white-label options.

VeriGap reports are already arriving in loan packages from brokers and borrowers. Inquire to understand format options, data freshness, and coverage.

No purchase required to inquire. This form does not initiate a transaction.

Institutional Inquiry