SBA call playbook

This page is the persistent copy.

The booking widget at /sba-consultation POST-generates a one-time call script when an inquiry is logged — but that response lives in a network request, not in a place you can re-open. This page is the version you return to: same script, same loan profile, plus the post-call playbook the widget doesn't show.

1-888-844-4444 → FHB Main Banking → Small Business Lending.

The Main Banking line answers first. Ask to be connected to the Small Business Lending team — that's who books SBA consultations. Read the three blocks below out loud.

Six–eight lines you'll hear — and how to answer each.

FHB's SBA desk uses a standard checklist. The cards below pre-empt the eight lines you're most likely to get. Each card pairs the objection with a response line drawn from the loan profile numbers — Motion LLC · $40.8K avg monthly revenue · 6.7% DSCR · $190K–$240K ask.

The dossier you walk into 999 Bishop St with.

The booking page only requires 2 yrs returns + YTD P&L pre-call — that's the minimum to get the consultation booked. The list below is what you bring to the in-person follow-up at the Honolulu branch (or to the desk that handles the SBA file).

• ☑Last 3 years of personal + business P&LSBA expects three years on a returning operator; the booking widget accepts two.
• ☑5-year projectionsBy revenue line — bay rental, trading floor memberships, private gym. Tied to the deck's financial slide.
• ☑Equipment quote for Phase 1 build-outRotary lift, alignment rack, diagnostics bay — vendor quotes with line items.
• ☑Insurance binderGeneral liability + property + workers' comp quote, even if the policy hasn't been bound yet.
• ☑Lease LOI for the Kalihi spaceLetter of Intent signed by the landlord — not the final lease, but the commitment to the site.
• ☐NMSDC MBE certificationWhen ready — leave unchecked and greyed until the cert is issued. Demote to "in process" copy if it's still pending at the in-person meeting.

Note: the /sba-consultation widget only requires 2 yrs returns + YTD P&L pre-call. The list above is the in-person follow-up dossier — pull it together the day before the branch meeting.

What happens between the call and the term sheet.

After the call ends, the loan officer opens a file and the clock starts. The timeline below is your milestone checklist — track each one as it lands.

1. Within 24 hours — email the two years personal + business returns + YTD P&L to the address the loan officer gives you on the call (typically the SBA Lending desk inbox at FHB, or a direct loan-officer address). Reply-CC motion@polsia.app so the founder's archive has a copy.
2. Days 1–5 — loan officer pulls credit (personal + business), opens the term-sheet file, and books the in-person follow-up at 999 Bishop St Honolulu. Confirm the meeting window in writing.
3. Days 5–30 — expected turnaround to a term sheet is 30–60 days under SBA 7(a) standard. 60–90 days to closing once the term sheet is signed. SBA-guaranteed processing; FHB doesn't underwrite in-house.
4. Between term sheet and closing — additional docs usually requested: 5-year projections (full P&L + balance sheet + cash flow), the equipment quote, insurance binder, lease LOI (eventually the executed lease), and the NMSDC MBE certification once it's issued.
5. Milestone checklist — call complete ∎ → returns sent ∎ → credit pulled ∎ → term sheet received □ → in-person signed □ → closing □.