For all commercial property taken as security, the SBA Lender performs an Environmental Investigation, dated within one year of the loan number, at least to SBA's minimum: it makes a good faith determination of the NAICS codes of current and known prior uses against the environmentally sensitive list (Appendix 6); a match, or a gas station (NAICS 457, also Appendix 7), starts with a Phase I; otherwise smaller loans may start with an Environmental Questionnaire and larger loans need at least a questionnaire plus a Records Search with Risk Assessment, escalating to a Phase I where results are other than low risk, and to a Phase II (or an Environmental Committee exception) where a Transaction Screen or Phase I recommends it. SBA requires all the Environmental Professional's recommendations, including housekeeping measures. Transaction Screens and Phase I and II reports are by an Environmental Professional with the SBA Reliance Letter. The Lender keeps all reports; for non-delegated loans it certifies clean properties in the SBA Loan System, and for contaminated properties uploads the documents and obtains SBA counsel's approval; exceptions go to the Environmental Committee. Where a Phase II finds contamination the Professional documents reportable levels, remediation need, cost and completion date.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.