What you should know before working with us
We'd rather you understand exactly how this works before signing anything. This page covers how our fees work, what we can and can't promise, and the rights you keep throughout.
On this page
01You can work with the SBA and Treasury yourself, for free
You have the right to contact the SBA, the Treasury Department, or your collection agency directly, at no cost, and to request a return to servicing or submit an offer in compromise on your own. Working with Solvera Financial is a choice to have that work handled on your behalf - it is never the only way to resolve your loan.
02No outcome is ever guaranteed
Decisions on Treasury return requests and offers in compromise are made by government agencies, not by us. We do not guarantee that any loan will be returned to the SBA, that any offer will be accepted, or any specific savings, settlement amount, or result. No company can lawfully or honestly promise these outcomes.
03Government timelines are outside our control
Agencies review requests on their own schedules, which can take weeks or months and can change without notice. We track every open request and follow up when responses are due, but we can't control how long a decision takes, and we won't quote you a deadline we don't control.
04How our fees work
Each loan is priced separately, based on the work your file requires. You receive the fee in writing, as part of your agreement, before any work begins or any payment is due. Our fees pay for the work involved in preparing and pursuing your request - they are not contingent on, and do not purchase, a particular result.
05Written agreement before any work
Before any work begins, you receive a written agreement that sets out the scope of work, the fee, and the terms of the engagement. You'll have the opportunity to review it - and to have an attorney review it - before you sign.
06An honest answer, including "we can't help"
Not every file has a workable path. If your situation isn't one we can genuinely help with - including any file involving misrepresentation in how the loan was obtained or used - we'll tell you directly, before you pay anything.
07Our services are not legal advice
Solvera Financial provides SBA loan resolution services. Our work is not legal advice, and nothing on this website or in our communications creates an attorney-client relationship. For legal questions about your loan, bankruptcy, or your rights, consult a licensed attorney.
08Questions and complaints
Questions about any of this? Contact us at info@solverafinancial.com before signing anything - we'd rather answer questions upfront than have you find out something after the fact. Complaints go to the same address and are tracked and addressed directly.