New Origination Workflow

Overview

All eligible applications which are in Compliance check set of Processing Methods(Mostly 7a and 504) will follow the new Origination Work Flow. Please continue to use the same origination API and its Methods provided on APIDocs and there is no change to XSD or Input structure with respect to the new workflow. For the latest release notes please refer to the API Release Notes.

Note : SBA Loan Application Number will not be issued to the applicant until all validations are met. All API Origination applications that pass validation will be set to R0 status.

Routing Status
IP- Application in-Process
AP- Approved Pending Funding
FD- Funded
WD- Withdrawn
R0- In Compliance Review
R1- In Review Reviewer 1
AD- Awaiting Documents
SO- Screened Out
PS- Poor Score

Step1

All the eligible Loans(Processing Methods) will be set to Compliance Review Status (R0) if they pass the below criteria.

Origination Methods Basic Etran Validations Met? Documents Done(conditional) Score Eligibility (conditional) Routing Status
Submit(UI) Yes Yes Yes R0
Originate3 Yes Yes Yes R0
OrigUpdate Yes Yes Yes R0

Step2

All the eligible Loans(Processing Methods) in Compliance Review Status (R0) will go through Automated checks and processed based on the FDR (Fraud Detection and Reporting) and DNP response.

Delegated? Basic Etran Validations Met? Compliance Checks Met? Score Eligibility Met? (conditional) Documents Uploaded? (conditional) Routing Status
Yes No N/A N/A N/A IP
Yes Yes In Progress N/A N/A IP->R0
Yes Yes No N/A N/A R0->WD
Yes Yes Yes No (Less than threshold) No R0->PS
Yes Yes Yes No (Greater than threshold) No R0->SO
Yes Yes Yes Yes (Within threshold limits) No R0->AD
Yes Yes Yes Yes Yes R0->FD
Non-Delegated? Basic Etran Validations Met? Compliance Checks Met? Score Eligibility Met? (conditional) Documents Uploaded? (conditional) Routing Status
Yes No N/A N/A N/A IP
Yes Yes In Progress N/A N/A IP->R0
Yes Yes No N/A N/A R0->WD
Yes Yes Yes No (Less than threshold) No R0->PS
Yes Yes Yes No (Greater than threshold) No R0->SO
Yes Yes Yes Yes (Within threshold limits) No R0->AD
Yes Yes Yes Yes Yes R0->R1

The latest XSD for OriginateStatus response is: SBA_ETran_OrigStat_Response.xsd

Compliance Hold Codes

Below table displays list of compliance-related hold codes.

Hold Code Description
801 NextGen Criminal Record
802 NextGen Bankruptcy
803 NextGen Additional Business Affiliation
804 NextGen Other Adverse Information (OFAC)
805 NextGen Potential Decedent Application
806 NextGen Inactive Business
807 NextGen Mismatch of TIN (EIN/SSN/ITIN)
808 NextGen Mismatch of Entity Name (Individual, Company or DBA)
809 NextGen Illegal Activity
810 NextGen Incarcerated
811 NextGen Probation
812 NextGen Parole
813 NextGen Citizenship
816 NextGen Large Number of Employees at Residential Business Address
817 Do Not Pay NextGen - Death Sources
818 Do Not Pay NextGen - SAM
819 Do Not Pay NextGen - TOP
820 Do Not Pay NextGen - CAIVRS
822 Do Not Pay NextGen - OFAC
823 Potential match between Participants and Agent names
824 SBLC may not make a loan to an Applicant that has received funding from a SBIC that is an Associate of SBLC