Please read this Referral and Packaging Service Agreement (the “Agreement) carefully. In signing this Agreement, you acknowledge that you have read, understood and agree to be bound by each and every provision set forth herein. If there is any term, condition, or provision of the Agreement that you do not understand, you’re advised to seek the assistant of a legal advisor.

This Agreement is made and entered into between Alternative Business  Loans Advisors LLC (“we”, “us”) and you (‘You” or “Applicant”). Applicant is  a business seeking the services of Alternative Business Loans Advisors, LLC  to assist with financing from alternative lenders or SBA 7(a) lenders, and  Alternative Business Loans Advisors LLC, Is willing to assist the loan  Applicant with sourcing, matching and referring Applicant to the right lender that can offer the financing program that best fits Applicant’s needs.

The services to be provided to the Applicant may also include loan packaging, if the Applicant opts for the SBA 7(a) loan program and also engages us to provide such additional but optional service; a very significant part of the SBA 7(a) loan process. Therefore, the Applicant and Alternative Business Loans Advisors LLC, agree as follows:

  1. Referral to Lender

Alternative Business Loans Advisors LLC, will assist Applicant by sourcing and identifying alternative lenders or SBA 7(a) lenders, who may be able to offer loan, line of credit, or any other type of small business finance to the Applicant. Our initial pre-qualifying process allows us to perform this function, and refer Applicant to a lender.

  1. Referral Fee

Most of the lenders within our network that we work with,compensate us for screening, streamlining the application process and referring eligible applicants to them. In this case, Applicant will not have to pay us Referral fee. However, in some cases, we may not be able to find funding from lenders within our network, therefore, we may have to refer applicant to lenders outside our network. In this case, we will charge a referral fee of .5% of the loan amount. If this occurs, you agree to pay us a Referral fee,which will be paid directly to us by the lender from Applicant’s loan proceeds.

  1. Packaging of Loan Application

When a loan application is referred to an alternative lender, packaging of the application is not necessary or required because of the little or no documentation needed and simple underwriting process. However,

SBA loan programs, require lots of documentation to support the application. Therefore, the lender expects an application to be properly packaged prior to submission. Although SBA does not require Applicant to use the services of a third-party in putting together a loan package, it’s in the best interest of the Applicant to allow a professional service provider to take on this task. If Applicant engages us to provide this service, we will do so according to the procedure stated on our website and in a format that is expected by the lender, which may likely increase the chances of the loan application being funded.

  1. Packaging Fee

We charge a packaging fee of .75% of the loan amount. If Applicant loan is approved, you agree to have the lender deduct this amount from your loan proceeds and pay it directly to us. If Applicant loan is declined, he/she may request to have his application reviewed, to find out why it was declined, and may make corrections, if and where possible, to re-submit to the same lender or another lender outside our network. When a declined application is re-submitted to another lender outside our network, the packaging fee still applies.

  1. We are not a lender

We are not a lender and are not involved in the underwriting process used by the lender to make their final decision. Our role is simply to assist the applicant in sourcing, matching and referring Applicant to an SBA 7(a) lender and packaging the application in a format that is acceptable, and may most likely increases its likelihood of being funded.

  1. Applicant’s Responsibilities

Applicant has the following responsibilities to ensure that his/her application is expedited, properly packaged before submission to the lender.

  • Providing accurate, verifiable and complete information on the Applicant’s application and all financial documents presented.
  • Timely submission of the application form that we provide along with the supporting documents, no later than 25 to 30 days. Failure to adhere to this time frame will cause delay in the packaging process and ultimately the total time needed to provide possible financing by the lender.
  • Keeping us informed via email, about any unforeseen events relating to Applicant’s situation, for example, financial condition that may impact the application submitted.


  1. Termination

Either party has the right to terminate the loan packaging service upon written notice to each other no later than five working days after commencing the service.

  1. Indemnification

Applicant will indemnify and hold Alternatives Business Loans Advisors LLC, and hold harmless from any and all loss, damage or injury (including Attorneys’ fees incurred), resulting from failure by Applicant to receive a 7(a) loan or damage or liability to Applicant or Applicant’s business. We shall not be liable for any of the debts, expenses or obligation incurred by Applicant or on his or her behalf in preparing the 7(a) loan Application Package.

  1. No Representation or Warranties

Applicant understands and acknowledge that Alternative Business Loans Advisors LLC, cannot and does not make representations or warranties as to the likelihood of Applicant receiving a loan. Applicant also acknowledges and agree that Alternative Business Loans Advisors LLC and any member of staff, makes no promise or warranty regarding approval of an SBA 7(a) loan to the Applicant.

  • Legal Consultation

This Agreement or any portion of it, is legally binding. Therefore, if there is any portion of this Agreement is unclear to the Applicant, it is advisable that the Applicant should seek legal consultation for clarification.

  1. Entire Agreement

This Agreement set forth the entire Agreement between the parties mentioned here regarding SBA 7(a) Loan Packaging Services and Referral Services. This entire Agreement supersedes all prior oral and/ or written agreement. This Agreement is to be read with other agreements between both parties: Privacy Policy and Consent to Electronic Communications.