SBA 7(a) LENDER INTELLIGENCE

Market Feasibility Documentation
in Minutes, Not Weeks

VeriGap pulls 12+ government data sources and delivers a print-ready market intelligence report designed to support documentation under SBA SOP 50 10 8.

View Sample →

Typical delivery: under 60 seconds. All data cited to government sources.

VERIGAPCONFIDENTIAL
LENDER UNDERWRITING REPORT
Market Feasibility
Documentation
Coffee Shop
NAICS 722515 · Tipton County, IN
74
MODERATE-HIGH
Supply Gap Score82/100
Demand Signal68/100
Trade Area Pop.16,212
PREPARED FOR
First Merchants Bank
SBA Loan File · Case #2024-0042
Page 1 of 15June 2025

The documentation gap in SBA underwriting

Three problems every SBA lender recognizes

📋

Credit committees need documented market analysis

SBA SOP 50 10 8 calls for documented market feasibility. Most loan files contain nothing but the borrower's own projections — a gap that can stall or sink an approval.

Traditional feasibility studies take too long

Hiring a consultant means 4–6 weeks and $3,000–$8,000. In a deal timeline, that's often the difference between a funded loan and a borrower who found another path.

📊

Revenue forecasts need independent corroboration

Borrower-supplied projections are inherently optimistic. VeriGap provides market-derived demand estimates from Census, BLS, and BEA — the independent data layer your file needs.

How it works

From concept to documented market analysis in three steps

01

Submit address and concept

Enter a proposed business address (or county) and a plain-language concept description — "coffee shop in Tipton, IN" is sufficient. VeriGap maps it to the correct NAICS code automatically.

02

We pull 12+ government data sources

Census CBP and ACS, BLS LAUS and QCEW, BEA PCE, IRS migration data, FEMA flood zones, DOT traffic counts, and OpenStreetMap competitor locations — all cited in the report.

03

Receive a print-ready PDF in under 60 seconds

A 15-page market intelligence report is generated instantly. Every data point is sourced. Every comparative figure is independently computed. Ready for your SBA loan file.

What's inside the report

Every section documented with government source citations

Supply Gap Analysis

County Business Patterns competitor density vs. national benchmark. Identifies underserved markets with a quantified gap score.

Census CBP 2023

Trade Area Demographics

Block-group ring analysis at 1-, 3-, and 5-mile radii. Population, households, and median income with source-level attribution.

Census ACS 5-Year 2019-2023

Economic Context

Local unemployment rate, 12-month trend, and comparison to state averages. Wage growth from QCEW.

BLS LAUS + QCEW

Site & Traffic Analysis

Annual average daily traffic (AADT) from DOT, flood zone classification from FEMA NFHL, and Census-geocoded address match.

DOT + FEMA NFHL

Demand Triangulation

Three-scenario revenue model (conservative / base / optimistic) built from consumer expenditure share, employment base, and census supply ratios.

BEA PCE + BLS + Census

AI Market Narrative

A 200-word third-party analytical commentary written at analytical distance. Every comparative figure uses pre-computed government data strings — no hallucination risk.

Claude API · Anthropic

DATA SOURCES — ALL CITED IN REPORT

U.S. Census Bureau
CBP · ACS · Geocoder · TIGERweb
Bureau of Labor Statistics
LAUS · QCEW · BED
Bureau of Economic Analysis
PCE State Data
FEMA
National Flood Hazard Layer
IRS Statistics of Income
County Migration Data
OpenStreetMap
Overpass API · Competitor Locations

Report tiers

Order the depth of analysis your situation requires

County-Level
Market Scan
$99
  • Supply gap vs. national benchmark
  • County-level demographics
  • Economic context (LAUS + QCEW)
  • Competitor discovery (OSM)
  • Demand triangulation
  • AI market narrative
  • 10–12 page PDF report
  • Block-group ring demographics
  • Site & traffic analysis
  • Lender cover + SBA checklist
MOST POPULAR
Block-Group Rings
Site Intelligence
$199
  • Everything in Market Scan
  • Block-group ring demographics (1/3/5 mi)
  • Census Geocoder address match
  • Site traffic (AADT) + FEMA flood zone
  • Competitor proximity map
  • 15-page PDF report
  • Lender cover + SBA checklist
  • DSCR scenario table
  • Underwriter certification block
SBA Loan File Ready
Lender Underwriting
$349
  • Everything in Site Intelligence
  • Lender-branded cover page
  • SBA SOP 50 10 8 checklist
  • DSCR scenario table
  • Underwriter certification block
  • Borrower + lender field integration
  • 15-page Confidential PDF
COMPLIANCE & DISCLOSURE

VeriGap market intelligence reports are designed to support documentation under SBA SOP 50 10 8. Reports are independent third-party market analysis and do not constitute a loan approval recommendation, feasibility certification, or professional appraisal. Lenders remain responsible for all credit decisions.

All data sourced from U.S. government datasets: U.S. Census Bureau, Bureau of Labor Statistics, Bureau of Economic Analysis, FEMA, IRS Statistics of Income, and OpenStreetMap contributors. VeriGap aggregates and cites public records.

FOR ENTREPRENEURS & BORROWERS

Validate your market before you commit

VeriGap isn't just for lenders. If you're evaluating a business concept, a market scan tells you whether the supply gap is real — before you spend $10,000 on a business plan.

Market Scan — $99 · No subscription required · Instant PDF delivery