Research & editorial standards
Your SBA Guy is an educational planning and referral service—not a lender or the SBA. These standards explain how program information is researched, where interpretation stops, and how errors are corrected.
Program statements begin with official SBA materials, current federal rules, and current SBA forms. Third-party articles may help identify a question, but they are not treated as controlling authority when an official source is available.
Published SBA requirements are described as program rules. Common underwriting requests, risk preferences, documentation, timing, and structure are described as lender-specific practice. The site avoids presenting one lender's preference as a universal SBA requirement.
Payments, injections, cash needs, timelines, readiness scores, and program comparisons are input-based educational illustrations. Adjustable assumptions remain visible. Outputs do not estimate approval odds or represent quoted terms.
The site uses words such as “may,” “possible,” and “questions to ask” when the answer depends on transaction facts, lender policy, or current program interpretation. It does not promise eligibility, approval, rates, timing, required cash, or closing.
High-impact program statements are reviewed when SBA publishes a material change and during periodic content reviews. Pages show direct source links where a visitor is likely to make a material decision. Questions or suspected errors can be sent through the contact page. Substantiated errors are corrected rather than silently defended.
Research cannot replace a complete application, lender underwriting, a CDC review, or legal, tax, accounting, appraisal, environmental, insurance, or other professional work. Current rules, the facts of the project, and the written documents from the professionals involved control every actual transaction.
Core source library
Last editorial review: July 31, 2026.
Official SBA program pages, forms, notices, lender guidance, and published updates are the starting point for program statements.
SBA loan-program overview ↗When a statement depends on a federal regulation, the current Electronic Code of Federal Regulations is preferred over an unsourced summary.
Title 13 of the eCFR ↗SBA explains that Lender Match is not a loan application and does not guarantee a match or loan offer. Your SBA Guy applies the same boundary to every planning tool.
Official SBA Lender Match explanation ↗SBA Form 159 and current lender instructions are reviewed when a compensated referral may become part of an SBA transaction.
Official SBA Form 159 page ↗Read this together with the site's financing and referral disclosures. An official link explains the rule; it does not imply SBA endorsement of Andrew Eddy or Your SBA Guy.