Glossary · People and paperwork
In short
These are your annual tax filings with the IRS. Lenders require them to verify your income, assess your personal financial health, and confirm your ability to repay debt.
For an SBA loan, you'll provide personal tax returns for the past three years. The lender uses them to cross-reference your Personal Financial Statement, understand your sources of income, and check for any undisclosed liabilities or significant tax obligations that could impact your ability to service the loan. Ensure they are complete and accurate.
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
SBA Form 1919 — Borrower Information Form
U.S. Small Business Administration · SBA form
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Defined by DealRoom.so SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
Know what you'll need before you apply
Tell us about the deal and who's buying — we'll flag the guaranty, eligibility, and paperwork issues that slow SBA approval before they cost you time.
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