Disclaimer
Hartwell Labs LLC · Effective July 2026
Not affiliated with the U.S. Small Business Administration
Hartwell Labs LLC is a private company. It is not affiliated with, endorsed by, sponsored by, or approved by the U.S. Small Business Administration (SBA) or any other government agency. The terms "SBA," "SOP 50 10 8," "7(a)," and "504" are used only to describe the subject matter of our educational materials. We do not represent the SBA, we do not process, broker, or approve loans, and nothing we publish is issued or authorized by the SBA or the U.S. government.
Educational information — not professional advice
All content, guides, calculators, workbooks, and templates on this site and in our products are educational information about how SBA lending generally works. They are not financial, legal, tax, accounting, lending, brokerage, or investment advice, and they are not a recommendation about your specific situation or transaction. Using our materials does not create any attorney-client, lender-borrower, fiduciary, advisory, or professional relationship. Consult your own qualified attorney, CPA, business appraiser, and lender before acting.
No guarantee of loan approval or outcomes
Our tools estimate whether a deal is likely to meet common SBA lending standards based on the numbers you enter. They do not guarantee that any loan will be approved or funded, or that any business will sell. Every lender applies its own criteria, and lender and SBA decisions are made independently of us and depend on your complete application. Outputs are estimates and educational scenarios; their accuracy depends on the accuracy of your inputs; and individual results vary. Any example figures shown are hypothetical illustrations, not representations of results you will achieve.
"Verified against SOP 50 10 8" — what that means
When we say our content is verified against the SBA SOP 50 10 8 and 13 CFR Part 120, we mean that we reviewed the material for consistency with those published sources as of the date shown on the page or file. SBA rules, Procedural Notices, and individual lender policies change; a figure that was current when published may not be current when you read it. Always confirm against the current SOP and your lender's terms.
No warranties; limitation of liability
Our digital products and website content are provided "AS IS," without warranties of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose. To the fullest extent permitted by law, Hartwell Labs LLC's total liability arising out of or related to your use of our content or products is limited to the amount you paid for the product at issue.
Publisher
All materials are published by Hartwell Labs LLC, a Georgia limited liability company, under the pen name "Thomas Hartwell." Contact: [email protected]. See also our Terms of Sale, Privacy Policy, and License. © 2026 Hartwell Labs LLC.