Exception Processing vs. Non-Exception Processing in SBA EIDL Loans

Non-Exception Processing is the standard route for SBA disaster EIDL loans. It applies when the applicant meets all eligibility criteria, documentation is complete, and no unusual circumstances are present. This results in faster and more predictable loan approval and disbursement.

Exception Processing comes into play when there are unique or complex circumstances, such as unusual ownership structures, discrepancies in the application, or the need for additional documentation. This process requires more in-depth reviews and can lead to longer processing times.