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| WD- Withdrawn |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 |