Using Copilot AI to Analyze Bank Statements for SBA 7(a) Loans — 4/30
How Underwriters Can Validate Repayment Ability Under SBA’s New Two-Month Bank Statement Requirement
A Coleman Training Webinar
Date: Thursday, April 30
Time: 2:00 p.m. Eastern
Recording and e-certification provided.
The SBA Now Requires Underwriters to Confirm Repayment Ability Using Bank Statements
The SBA’s recent guidance for small 7(a) loans under $350,000 requires lenders to obtain and analyze two months of commercial bank statements to confirm the borrower’s obligations and validate repayment ability.
This is a major shift.
Under the previous SBSS score era, many lenders relied heavily on automated scoring and tax returns. That approach is gone.
Today, the SBA is clear:
Repayment ability must be documented and verified, not assumed.
Two months of bank statements must be reviewed to confirm:
- Debt obligations included in the DSCR calculation
- Merchant cash advances and hidden loans
- Actual operating activity
- One-time deposits and irregular income
- Cash flow stability
And this analysis must be documented in your credit memo.
For many underwriting teams, manually reviewing bank statements line by line is slow and inconsistent.
This webinar shows how to use Microsoft Copilot AI to improve the process dramatically.
How Copilot AI Can Transform SBA Loan Underwriting
Microsoft Copilot can analyze bank statements in seconds and identify patterns that traditional manual review often misses.
When properly prompted, Copilot can:
- Identify recurring debt payments
- Flag merchant cash advances
- Detect irregular deposits
- Summarize monthly cash flow trends
- Highlight potential DSCR issues
In short, Copilot can help underwriters perform the verification SBA now expects — faster and with better documentation.
But using Copilot effectively requires knowing which prompts to give and how to interpret its output.
That is exactly what this training covers.
What You Will Learn
How to Upload and Analyze Bank Statements Using Copilot
• Preparing PDF bank statements for AI analysis
• Using Copilot inside Microsoft 365 and Excel
• Extracting deposits, withdrawals, and recurring obligations
Identifying Hidden Debt Obligations
• Merchant cash advance detection
• Daily ACH withdrawals
• Recurring loan payments
• Identifying payment stacking
Confirming DSCR Inputs
• Matching bank activity to debt obligations
• Identifying unreported liabilities
• Validating borrower cash flow consistency
Detecting Red Flags in Bank Activity
• One-time large deposits
• Transfers masking operating cash flow
• Personal expenses in business accounts
• Negative cash flow cycles
Writing the Credit Memo
• Documenting bank statement analysis
• Using Copilot summaries in underwriting narratives
• Aligning documentation with SBA expectations
Benefits for Your Lending Team
- Improve underwriting speed
Copilot can review hundreds of transactions in seconds. - Increase accuracy
AI-based pattern recognition can uncover obligations that manual review might miss. - Standardize underwriting
Copilot prompts create consistent bank statement analysis across your team. - Reduce SBA exam risk.
Documented verification of repayment ability aligns with SBA expectations for confirming obligations.
Who Should Attend
• SBA loan underwriters
• SBA credit analysts
• SBA loan officers
• Chief credit officers
• SBA lending managers
Anyone responsible for repayment analysis and credit memo documentation will benefit from learning how to integrate AI into the underwriting process.
Your Training Instructor
Bob Coleman
Bob Coleman is the founder of Coleman Publishing, a publisher of newsletters, reports, data, conferences, webinars, online training videos — to help finance professionals become small business lending experts. Bob is the nationally recognized expert on small business financing. He has appeared frequently on Fox Business News, NPR and other numerous media outlets. He is sourced by all print media. He is a frequent speaker about small business lending throughout the US and EU. Bob has a BA in Medieval History from the University of California Santa Barbara and a MBA in Real Estate Finance from the University of Southern California. Bob has earned numerous awards as a producer of events and video training. His passion is getting capital to Main Street and Rural American small business.
How the Webinar Works
We use Microsoft Teams as the webinar platform. All Coleman webinars are recorded and a link is sent to all attendees.
Single Site License
The single site license grants your institution one viewing of the webinar. It is permissible to use a single site license on one device in a conference room to be viewed by multiple attendees The webinar can be viewed on any device.
Webinar Links and Handouts
The webinar link will be included when we distribute the presentation and handouts shortly before the webinar.
Participants Earn Certificates of Participation
All Coleman Webinar attendees will receive a certificate of participation. This documents your continuing education history for SBA and your regulators.
Questions
Questions throughout the webinar are strongly encouraged. There are two ways to ask a question. The first is to ask the question via the chat in Microsoft Teams. The second is to send an email to anna@colemanreport.com. Also, feel free to ask pre and post-webinar questions.
The Fine Print
1) Substitutions are allowed at no charge.
2) Cancellations receive a 100% credit for any Coleman product.
3) As with all our products, we offer a 100% money back satisfaction guarantee — no questions asked.
3 Easy Ways to Order
1) ONLINE — Register and pay online via QuickBooks
2) EMAIL –Send an email to cindy@colemanreport.com with “Webinar Registration” in the Subject Line. We will do all the paperwork and either send you a sales receipt or an invoice.
3) PHONE — Call us at 818-790-4591.
Bob Coleman
Publisher, Coleman Report
bob@colemanreport.com