Coleman AI SBA Underwriter Membership — The Future of SBA Credit Memos Starts Here

The Coleman AI SBA Underwriter Membership is your roadmap to mastering AI — one clear, simple step at a time.

Coleman designed this training in manageable, structured modules because that’s how both AI and underwriters learn best. The goal isn’t to do everything at once — it’s to build mastery step by step.

Think of it as NASA telling AI to “write a procedure to go to the moon and back.” You can’t do that in one prompt. Each step must be handled separately — design the rocket, test the engines, plan the launch, correct the trajectory. Every stage builds on the one before it, and by working step by step, you maintain full control and accuracy throughout the process.

The same principle applies to SBA credit memos. You start by generating one section — say, Use of Proceeds — and the next builds naturally from that foundation until the full, SBA-compliant credit memo comes together. This process ensures you’re never overwhelmed and, more importantly, that you retain full control of the outcome.

At every stage, you review the AI’s work, make refinements, and confirm accuracy before moving forward. Every number, statement, and narrative remains under your direction.

AI isn’t a program you feed data into and wait for a fixed result — it’s a collaborative tool that helps you craft your output in real time. Traditional software follows rigid rules: you click buttons, fill out forms, and get the same answer every time. AI doesn’t work that way. It’s more like a skilled assistant who listens, interprets, and builds based on your direction.

What Is the Coleman AI SBA Underwriter Suite?

The Coleman AI Suite is the first full product ecosystem built around the SBA credit memo process.

Every step — from Borrower Overview to Final Recommendation — can now be generated, formatted, and refined through secure, guided AI prompts.

AI will not replace underwriters; it accelerates them. You enter what you already know — borrower information, use of proceeds, and supporting documents — and the assistant builds the memo, section by section, automatically applying SOP 50 10 8 rules, SBA discount factors, and valuation standards behind the scenes.

By the time you reach “print,” your memo is 100% written — consistent, audit-ready, and in your voice.

The End Goal — The Complete AI-Generated SBA Credit Memo

Every membership moves you closer to full AI automation of the SBA underwriting process — producing a professional, fully structured memo. During the next six months we’ll break down all of the following steps to start:

• Borrower Narrative
• Loan Structure 
• SBA Eligibility Narrative
• Use of Proceeds
• Collateral Summary & Valuation
• Converting Financial Statements and Tax Returns into Spread Sheets
• Financial Statement Ratio Analysis 
• Financial Narrative
• Proforma Balance Sheet
• Industry Analysis
• Projection Analysis
• Cash Flow Analysis
• Global Cash Flow Analysis
• Equity Injection Narrative
• Collateral Calculation and Narrative
• Life Insurance Requirements
• Guarantor Financial Analysis
• Credit History & Public Records
• Guarantor Narrative
• Management & Ownership Experience
• Equity Injection / Net Worth Analysis
• Collateral Adequacy (per SBA Valuation)
• Appraisal, Business Valuation and Environmental Reviews
• SBA-Specific Conditions (Forms 1919, 413, etc.)
• Strengths / Weaknesses  
• SBA Credit Elsewhere Narrative
• Credit Memo Narrative
• SBA Loan Closer Instructions
• SBA Loan Servicing Covenants
• Recommendation for Approval

That’s the final deliverable — a complete SBA-ready credit memo, built in your browser, instantly exportable to Word, and formatted to your bank’s standards.

You Will Learn How to Use AI in SBA Loan Underwriting

AI isn’t just faster — it’s structural clarity at scale.

Coleman AI automates the steps that consume the most time for analysts and credit officers. For example, it:

• Auto-extracts borrower data from PDFs and spreadsheets
  
• Classifies collateral and computes coverage automatically
  
• Cross-checks SOP compliance
  
• Builds professional, neutral underwriting narratives with no editorial bias
  
• Compiles sections into your preferred memo format with one command: run

The result: underwriters focus on judgment, not formatting — decisions, not data entry.

Membership Benefits Include

Benefit	Description
Exclusive Access to the Coleman AI Prompt Library Website	The command center for your entire workflow — includes a constantly updated library of SBA 7(a) loan underwriting prompts, all in one place.
Semi-Monthly Teams Meetings	Live, interactive sessions with Bob Coleman and SBA AI experts covering new AI underwriting use cases and updated prompts.
Weekly Coleman AI  SBA Loan Underwriting Prompt Updates	Receive pre-tested prompt sets aligned with the latest SBA rules, SOP updates, and AI model enhancements — delivered directly to your inbox.
Ticket for an In-Person On-Site Workshop	Option to attend a full-day, hands-on workshop to build AI-generated SBA credit memos, learn file-upload automation, and connect with peers shaping the future of SBA underwriting.

Founding Membership Investment

Your membership includes every tool, training, and live session needed to integrate AI into your underwriting process.

Plan	Annual Rate	Best For
Single Member	$3,500	Individual SBA underwriter or credit analyst
Each Additional Member	$2,500	Same institution — add underwriters easily at any time

(Founding Member Annual Membership expires January 1, 2027. The membership is at the lender level. Lenders may substitute members at any time.)

Security and Compliance for Bankers

Data security and compliance are the first concerns every banker raises when using AI. Coleman AI addresses these directly. During member sessions, we walk through the security standards of each ChatGPT subscription option—Free, Plus, Team, and Enterprise—and explain how institutions can operate within their own IT and regulatory frameworks. The goal is simple: ensure every underwriter uses AI confidently within a secure, compliant environment.

ChatGPT Subscription Security and Data Handling Overview

Plan	Data Privacy	Compliance Alignment	Borrower PII Handling	Best Use Case
Free	Prompts may be used for model training	Not suitable for confidential data	Do not enter borrower data. Replace all identifiers with placeholders (e.g., “Borrower A”).	Personal learning or exploration
Plus	Same as Free; no data isolation	Limited compliance support	Mask borrower identifiers (names, loan numbers, addresses). Do not upload real financials.	Testing non-sensitive workflows
Team	No data used for model training; private workspace	SOC 2 compliant	Allowed with masking and internal-only sharing. Use anonymized financial data.	Collaboration within small lending teams
Enterprise	Full data isolation; SOC 2 and GDPR compliant	Meets most bank security and vendor standards	Permitted with IT-approved controls. Real borrower data allowed under encryption and vendor agreements.	Full institutional deployment with compliance oversight

Member Assurance

Each Coleman AI member session includes hands-on instruction for masking borrower data—using placeholders, redaction methods, and your bank’s privacy policy. This ensures every underwriter stays compliant while maintaining complete control over borrower information.

Status: Building Toward 100% AI-Generated Credit Memos

Two powerful prompts are now live and ready for immediate use inside the Coleman AI SBA Underwriter Suite — Guarantor Real Estate Collateral Analysis and Borrower History. These tools mark the first step toward creating complete, SBA-compliant credit memo sections in minutes.

Over the next six months, we’re embarking on a structured rollout. Every month, we’ll introduce additional underwriting prompts, and each week, one new prompt will be reviewed in our Coleman AI SBA Loan Underwriting Guide. The goal: to reach full automation — the ability to generate a complete, accurate, and SBA-compliant credit memo using AI alone.

This is a six-month development process, designed for constant improvement. Every prompt will evolve through member feedback, ChatGPT refinements, and real-world underwriting tests. Our commitment is not just to publish prompts, but to continuously upgrade them as SBA rules, SOP 50 10 8 guidance, and AI capabilities advance.

We’re also entering a new phase of regulatory awareness. Bank regulators are becoming more open to exploring how generative AI can be responsibly integrated into credit analysis and documentation. We’re at the infancy of AI in lending — and those who learn it now will shape how it’s used across the industry.

The learning curve is real, but the payoff is extraordinary. Once you master these AI tools, the rest will fall into place — faster memos, cleaner files, and smarter credit decisions.

Ready to Begin?

Register here or email cindy@colemanreport.com to join today.

Once enrolled, set up your ChatGPT Plus or Team account, open the Coleman AI link, and type run — and that’s it, you’re in. 

The future of SBA underwriting isn’t coming — it’s already here, and it begins with Coleman AI.

For further information, please contact Bob Coleman at bob@colemanreport.com or text him at 818-974-8934.