[inacio]

There will be a fee (cost) for the merchant if all documents need to be collected.
Will accountants, bookkeepers do this for free, NO! neither can we, it will be time consuming.

EXAMPLE OF DOCUMENTS NEEDED.
Articles Of Corporation (if corporation)
Or Business License
IRS Form 940 = Employers Annual Federal Unemployment (FUTA) Tax Return
IRS Form 941 = Employers Quarterly Federal Tax Return
Payroll Summary As Of February 15 2020 Or
Employee Pay Stubs As Of February 15 2020
Corresponding Bank Statements
Mortgage Statement For This Business (most recent) Or
Rent / Lease Statement (most recent)
Utility Bills: Electric – Gas – Water – Internet – Phone – Waste – Grease – Etc
Copy Of Drivers License

This is a large collection of documents.
It is allowed to charge for these service and many payroll companies will.
This service is not for processing the loan but the collection of all necessary documents to give to the lender, broker, agent etc.

In other words. If you want to provide a second service for collecting the documents needed and charge a fee for that service to help a merchant submit the application, nothing wrong with that. Accountants are already doing it.

Then you help them with their PPP application charge them NO FEE.

Once all docs are received and signed, then send the loan doc with all required docs to the lender, DO NOT CHARGE THEM A FEE FOR SUBMITTING THE LOAN APPLICATION (as you cannot charge a fee for this service) and receive your commission from the lender, heck open your own document collection service.
If lenders think they are just going to sit on the phone and merchants are just going to collect all this data and send it to them they are nuts, very few will. They will struggle to collect this data and they need us BOOTS ON THE GROUND (PHONE) Local to to this. Huge Opportunity awaits us.

[Yankeeman07]

This is not legal advice - but -before you go off the deep ledge, I would suggest you read and comprehend
SBA Foom 159D - Fee Disclosure and Form and Compensation Agreement

"If an Applicant chooses to employ an Agent, the compensation an Agent charges to and that is paid by the Applicant must bear a necessary and reasonable relationship to the services actually performed and must be comparable to those charged by other Agents in the geographical area. Compensation cannot be contingent on loan approval....."

It is an obligation of the merchant to disclose whether they paid a fee

[inacio]

Indeed

[inacio]

this is not legal advice - but -before you go off the deep ledge, i would suggest you read and comprehend
sba foom 159d - fee disclosure and form and compensation agreement

"if an applicant chooses to employ an agent, the compensation an agent charges to and that is paid by the applicant must bear a necessary and reasonable relationship to the services actually performed and must be comparable to those charged by other agents in the geographical area. Compensation cannot be contingent on loan approval....."

it is an obligation of the merchant to disclose whether they paid a fee

indeed