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 Southern Tier changes SBA math
Workbooks use Elmira commercial comps — $98/sq ft flex space vs. $142 national. The 504 Owner Workbook after chemung canal commercial login.
UCC filing visibility
Blanket UCC jargon confuses owners after chemung canal login on day two.
Print titles referenced
- 504 Owner Workbook 90 pp · SBA timing · $28.99
- UCC Plain Language Guide filing excerpts · $21.99
- Closing Script Pack laminated cards · $14.99
Ships from Elmira studio
Related: chemung canal mobile login · chemung canal mortgage login · full catalog