Washington told small business owners this program would help them survive. Now too many of them are fighting silence, offsets, garnishment threats, and a servicing system that acts like the hardship never happened.
Read the full dispatchReal notes from a former SBA Team Lead. Plain English, no fluff.
Short takes from a former SBA Team Lead. Read them in any order.
No one can guarantee SBA pulls a loan back from Treasury. What we can do is make the file boring to deny. A clean record, a clear narrative, the right authority cited in the right place. The rest is agency discretion.
Borrowers confuse the two daily. Treasury Cross-Servicing handles the money. SBA owns the servicing decision. Disputing one when you mean the other is how cases die in the inbox.
Phone calls feel productive. They are not. The administrative record is what survives. Every page should answer a question a reviewer would otherwise have to ask.
Plain-English notes on SBA servicing, Treasury Cross-Servicing, and the actual paperwork that moves a file. No spam, no fluff, no sales pitches.
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