I'm having good experience with this lender. You're correct about there being time delays that sometimes they are reasonable, sometimes not.
The lender gives our clients pre-approval within 30 minutes although we screen them both for the pre-approval and cash flow before having them submit their application. I've found their underwriters are reasonable and open to suggestions that may get a stalled deal moving again. The documentation seems to be less than the ordinary SBA loan you would apply for in a bank and you should be earning more than 1.5%.
I have also found the success rate considerable higher if you walk through the entire process with your applicant instead of turning them over to the lender.
You might consider teaming up with someone with more specific experience, save your time and make close to the same amount.
Bob Shaw
734.929.3800
rshaw@advancecredit.com