WHY
The SBA requires a valid government-issued photo ID for anyone signing the loan. It’s how the bank confirms you are who you say you are.
It also helps prevent identity fraud and keeps the loan file in compliance with federal rules.
WHAT
A clear photo or scan of a valid (not expired) state-issued driver’s license or government ID.
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Must be issued by a U.S. state or territory
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Must show your name, photo, and expiration date clearly
👉 Each owner who’s signing loan documents (usually 20%+ owners) must submit their own ID.
HOW
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Snap a photo of the front of your license with your phone.
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Make sure it’s not blurry or cut off.
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Upload as a JPG, PNG, or PDF.
- Example:
📣 Pro Tips:
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If you’ve moved recently, it’s okay if your address is outdated—as long as it’s still valid.
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If the file is too big, take a screenshot and upload that instead—it still works.
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If your ID is expired, renew it ASAP and let us know when you expect the new one.
FAQ – Driver’s License
Q: Do I need to send both front and back?
A: Just the front is fine unless the back has important info (like endorsements).
Q: Can I use a passport instead?
A: Yes—as long as it’s current and U.S.-issued. But a driver’s license is preferred.
Q: What if I don’t have a driver’s license?
A: Any valid U.S. government-issued ID will work—state ID card, passport, military ID, etc.