SBA Loan Tracker

Last updated: Feb 16, 2026

Loan Details

Amount: $500,000
Purpose: Growth capital for scaling
Status: In process
Started: TBD (prior to Feb 2026)

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Timeline & Milestones

Application Stage

• Application submitted
• Initial review complete
• Documentation requested
• Documentation submitted

Approval Stage

• Underwriting in progress
• Approval received
• Terms finalized
• Closing scheduled

Disbursement

• Funds received
• Allocated to growth initiatives

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Monitoring Protocol

Watch for:

• Email notifications from SBA/lender
• Document requests (respond urgently)
• Status updates (approval/denial/contingencies)
• Closing date confirmation
• Disbursement notification

Escalate immediately if:

• Denial or rejection notice
• Additional documentation required (time-sensitive)
• Terms change from expected
• Closing date scheduled (Quan needs to know)
• Funds disbursed (accounting impact)

Check sources:

• Email (quan@ztag.com inbox)
• Webhook data (if email forwarded)
• Meeting transcripts (if discussed with lender)
• Zoho Books (if bookkeeper enters notes)

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Financial Impact

When approved:

• $500K cash infusion
• Growth capital allocation plan needed
• Debt service begins (monthly payments)
• Accounting entries (liability, cash increase)

Strategic implications:

• Accelerates hiring/scaling timeline
• Reduces cash flow pressure
• Enables inventory expansion
• Funds marketing/sales initiatives

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Current Questions

1. What is current status? (underwriting, approval pending, etc.)
2. Expected approval timeline?
3. Lender name and contact?
4. Interest rate and terms?
5. Repayment schedule?
6. Covenants or restrictions?
7. Use of funds requirements?

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Updates Log

Feb 16, 2026: Monitoring activated per Quan's request. Status: In process (details TBD).

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Will flag ALL incoming SBA loan communications immediately in this group.