Side-by-side: where confusion starts
| Question | Path A | Path B |
|---|---|---|
| First login credential | Temp password mailed 5–7 days; EIN must match | Business ID + password same day |
| Draw request display | SBA and bank portions as separate loan numbers | Single revolving limit bar |
| Personal guarantee docs | SBA Form 148 in portal after sign in | PG on file at branch only |
| Payoff quote | SBA + bank quotes; 10-day good-through each | App quote; CPA rejects if > 48 hours old |
| Annual review | Tax return upload every fiscal year-end | Covenant review at 75% utilization |
Why Gateway region changes SBA math
Workbooks use St. Louis commercial comps — $128/sq ft flex space vs. $142 national. The 504 Owner Workbook after first state community bank commercial login.
UCC filing visibility
Blanket UCC jargon confuses owners after first state community bank login on day two.
Print titles referenced
- 504 Owner Workbook 88 pp · SBA timing · $27.99
- UCC Plain Language Guide filing excerpts · $20.99
- Closing Script Pack laminated cards · $13.99
Ships from St. Louis studio
Related: first state community bank mobile login · first state community bank mortgage login · full catalog