No, individual and business tax returns must be provided at the time you submit your application. The IRS certified tax transcripts will be obtained directly from the IRS through our built-in technology. Please look out for a consent request from your Underwriter.
Please note: The SBA requires tax transcripts from the IRS in addition to your tax returns to process your application. The tax transcripts request with the IRS typically takes anywhere from 2-10 days to complete.