✦ Built for small business owners

Write your loan narrative
like a banker expects, not a business owner.

NarrativeLoan writes the business narrative section of SBA and bank loan applications — calibrated to your loan type, industry, and lender's evaluative lens. No generic AI filler. No missed underwriting cues.

See a sample
SBA 7(a), 504, USDA B&I, conventional & CDFI
Industry-calibrated tone
One-time purchase, no subscription
Writing it yourself
A blank page
researching what underwriters want to read, drafting, rewriting
✗ Not sure what a loan officer actually evaluates
✗ Generic language that reads like every other applicant
✗ Missing the "five Cs" underwriters look for
✗ Risk factors left unaddressed — or overexplained
→
Writing it with NarrativeLoan
Minutes
enter your business details, get a complete narrative to review and edit. Most are done in a couple of minutes.
✓ Calibrated to your specific loan type and lender
✓ Industry-aware — a restaurant reads differently than a trucking company
✓ Addresses Character, Capacity, Capital, Collateral, Conditions
✓ Risk factors framed the way underwriters expect
What NarrativeLoan writes

Every section a lender expects to see — from your business details.

🏢
Business Overview
Positions your business as an established, creditworthy entity — years in operation, legal structure, revenue source, and customer base.
👤
Owner Background & Management Capacity
Establishes your credibility — industry experience, relevant skills, and management track record. Addresses Character and Capacity.
💵
Use of Funds
A specific, itemized breakdown of exactly how loan proceeds will be deployed and why each allocation matters.
📈
Repayment Ability
Revenue, margins, and projected debt service coverage ratio — the numbers underwriters need to approve confidently.
🎯
Growth Plan & Loan Impact
Concrete, measurable outcomes tied directly to the loan — not vague ambition.
⚖️
Risk Acknowledgment
Addresses revenue dips, industry headwinds, or credit issues directly — the way underwriters expect, when relevant.
✉️
Letters of Explanation Complete Package
Draft the explanations lenders ask for: late payments, large deposits, revenue dips, gaps in history, and more — from only the facts you provide.
🔍
Lender-Style Review Complete Package
Paste your own draft and get feedback on gaps against the five Cs, vague claims, and numbers to verify before you submit.
🛡️ Calibrated to SBA 7(a), SBA 504, USDA B&I, conventional bank & CDFI standards · Industry-aware tone
Calibrated for every major small business loan type
SBA 7(a)
SBA 504
USDA B&I
Conventional Bank
CDFI
How it works

Enter your business details. Get a complete narrative. Review and submit.

📋
Enter business & loan details
Revenue, loan type, use of funds, owner background. Plain details — no special formatting needed.
⚡
NarrativeLoan writes the narrative
You get a complete, lender-calibrated narrative across all six sections. Most are complete in a couple of minutes.
✅
Review, edit, and submit
Check every figure against your records, then copy the full narrative or print it for your loan application package.
See it in action

What you enter. What you get.

A sample for a fictional business. The narrative uses only the details the owner provides, and marks anything missing for you to fill in.

What the owner entersFictional business
BusinessHarbor Street Bakery LLC · 6 years
IndustryRetail bakery and café; walk-in customers and local office catering
LocationBloomington, IN
LoanSBA 7(a) · $180,000
Purpose$95K commercial oven and refrigeration, $50K production-area build-out, $35K working capital
Revenue$540,000 · grown each year since opening
Existing debt$22,000 equipment loan, current on payments
What NarrativeLoan writesExcerpt · 3 of 6 sections
Business Overview

Harbor Street Bakery LLC is a six-year-old retail bakery and café in Bloomington, IN, organized as a limited liability company. The business earns its revenue from walk-in sales of baked goods and coffee and from catering orders for local offices. Revenue over the last twelve months was $540,000, and it has grown in each year since opening.

Use of Funds

The business is requesting $180,000 under the SBA 7(a) program: $95,000 for a commercial oven and refrigeration equipment, $50,000 for build-out of a production area, and $35,000 as a working capital reserve. Each allocation supports production for existing demand. Expected revenue impact: [ADD EXPECTED REVENUE IMPACT].

Repayment Ability

Reported annual revenue is $540,000, and the business is current on its existing $22,000 equipment loan. Debt service coverage ratio: [ADD DSCR]. The owner will complete the figures marked in brackets before submission.

Fictional business. Always review every statement and figure against your own records before submitting.

Pricing

Pay once. No subscription.

Two options, each a single payment for a short window of access while you prepare your application.

Narrative
$79 one-time
For one loan application
✓Six-section business narrative
✓All loan types
✓Industry-calibrated tone
✓Up to 15 drafts
✓7 days of access from purchase
✓Copy or print
Buy Narrative — $79
Most complete
Complete Package
$199 one-time
The narrative plus the extras lenders ask for
✓Everything in Narrative
✓Letter of explanation tool
✓Lender-style review of your draft
✓Up to 85 drafts across all tools
✓14 days of access from purchase
✓Copy or print
Buy Complete Package — $199

How access works. Access starts when you purchase and lasts for the window shown. A draft is each time you generate a result. Drafts that fail to generate don't count. To use the tools, enter the email you used at checkout.

48-hour guarantee. If the tool doesn't work for you, email hello@narrativeloan.com within 48 hours of purchase and we'll make it right or refund you, as long as you've generated fewer than 3 drafts.

Write your loan narrative

After purchase, enter the email you used at checkout to generate.

Business
Loan details
Financials
Owner & risk
Generated narrative
📊

Fill in business and loan details to generate a complete narrative.

History (this visit)
0
Total drafts this visit
—
Most recent item
—
Most recent date
ItemTypeDateActions
Nothing generated yet. History clears when you leave or refresh the page, so copy anything you want to keep.

Ready to write a better narrative?

Pick an option and start generating today.