✦ Built for small business owners & loan brokers

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 what it writes
SBA 7(a), 504, USDA B&I, conventional & CDFI
Industry-calibrated tone
Broker white-label available
Writing it yourself
6–10 hrs
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
10 min
enter your business details, get a complete, lender-ready narrative
✓ 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.
🛡️ 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
In under a minute, you get a complete, lender-calibrated narrative across all six sections.
✅
Review, edit, and submit
Make edits, copy the full narrative, or export it directly into your loan application package.

Write your loan narrative now — free

Free to try — no signup required. 3 free narratives per month.

Business
Loan details
Financials
Owner & risk
Generated narrative
📊

Fill in business and loan details to generate a complete, lender-ready narrative.

Narrative history
0
Total narratives
—
Most recent loan type
—
Most recent date
Business / industryLoan typeDateActions
No narratives generated yet.
Pricing

Subscribe monthly. Cancel anytime.

Starter
$29/mo
Great for first-time applicants
✓3 narratives/month
✓All loan types
✓Industry-calibrated tone
✓Copy or export
Get started
Most popular
Owner
$79/mo
For business owners applying to multiple lenders
✓15 narratives/month
✓Revision requests
✓SBA 7(a) + 504 + bank
✓Narrative history dashboard
Get started
Broker
$399/mo
For loan brokers submitting narratives for multiple clients
✓80 narratives/month
✓White-label option
✓Client portal
✓Bulk export
Get started
Early feedback

What small business owners are saying.

★★★★★
"I'd rewritten our SBA narrative four times and it still sounded like a form letter. NarrativeLoan's version actually addressed the things our loan officer asked about in the first meeting."
JM
James M.
Owner, Construction Company — Ohio
★★★★★
"The use-of-funds section was the difference. It broke down every dollar instead of the vague paragraph I'd written myself. Our underwriter commented on how specific it was."
DP
Dana P.
Owner, Retail Business — Texas
★★★★★
"I submit 15-20 applications a month for clients. The Broker plan alone saves me a full day of writing every week."
RS
Rita S.
Independent SBA Loan Broker

Ready to write better narratives, faster?

Pick a plan and start generating polished loan narratives today.