Financing & referral disclosures
Andrew provides independent SBA education, input-based planning tools, and—when requested—introductions to independent financing providers. This page explains that role, how compensation may work, and where Andrew's role ends.
Andrew Eddy and Your SBA Guy are not affiliated with, endorsed by, or acting on behalf of the U.S. Small Business Administration. Andrew is not a lender, Certified Development Company, or SBA representative. This website does not accept a loan application or make eligibility, credit, underwriting, approval, pricing, closing, or funding decisions.
The Free SBA Game Plan, calculators, comparisons, readiness scores, checklists, and explanations organize information and questions from the facts a visitor provides. They do not select a lender, recommend a financial product, or replace transaction- specific advice from a lender, CDC, attorney, accountant, tax professional, or other qualified adviser.
Andrew does not charge visitors for the educational guidance, planning tools, Free SBA Game Plan, or introductory referral support offered on this website. If Andrew introduces a lender and financing closes, that lender or another financing participant may pay Andrew a referral fee. The possibility of that compensation is disclosed before a visitor asks for an introduction. It does not increase the likelihood of approval or guarantee any result.
A lender, CDC, closing professional, appraiser, attorney, or other provider may charge fees connected with an eventual financing transaction. Those charges are not set by this website. Actual rates, fees, repayment terms, collateral, guarantees, injection requirements, and closing costs depend on current program rules and the providers involved. Request and review their written disclosures before proceeding.
Calculators, reports, comparisons, readiness scores, timelines, and written explanations are educational illustrations. They are not applications, approvals, credit decisions, commitments, term sheets, legal opinions, or guarantees of eligibility, timing, rate, payment, or closing. A lender and, where applicable, a CDC perform the controlling review.
An introduction is not an endorsement of every product a lender offers and does not mean every possible lender was considered. SBA identifies referral agents and other compensated third parties within its agent-fee framework. When a transaction requires an SBA fee-disclosure form, Andrew will provide the information and signatures needed for the lender and other parties to complete the current process. See the official SBA Form 159 page.
Program summaries are written from official SBA materials and separate published rules from lender-specific practice. Current SBA rules, lender policy, and the facts of the transaction control. Read the site's research standards and confirm material decisions directly with the professionals involved in the project.
The website is operated by Andrew Eddy under the Your SBA Guy brand. Questions about a project or these disclosures can be sent through the contact page.