How it works
Free readiness assessment
Tell us about your business and the loan. We show where you stand against the lender and SBA checklist, in plain English.
Organize your package
A guided builder walks you through documents, a business plan, projections and the SBA forms lenders expect, with every requirement cited to SBA's rulebook.
Walk in ready
Take your organized package to the lender of your choice. The lender makes every decision; you never need an agent to apply.
Why preparation matters now
New SBA rules
SOP 50 10 8.1 changed equity, cash-flow and documentation expectations, especially for business acquisitions.
Lenders want complete files
Missing or stale documents are a common reason applications stall. We check dates and completeness before you submit.
Know your numbers
See your debt-service coverage, equity and collateral the way a lender calculates them, before you ask.
Request early access
Free during early access. PillarReady is not charging owners or lenders while we finalize our compliance review. We are not a lender, are not affiliated with SBA, and you never need an agent to apply for an SBA loan.
We're onboarding a small number of Texas businesses. We'll email you to schedule your free assessment.
Questions
Is it really free?
Yes. During early access PillarReady charges owners nothing and accepts no payments from lenders.
Are you a lender or affiliated with SBA?
No. PillarReady is an independent preparation tool. We can't promise approval, and the lender makes every credit decision.
Who is it for?
Texas small businesses considering an SBA 7(a), SBA 504 or conventional business loan: buying a business, real estate, equipment or working capital.
What happens to my information?
We use it only to respond to you. We never share it with a lender without your separate written consent, and we don't sell it.