The 10-Tab submission format when submitting a loan application has become the preferred method in recent times. The SBA is encouraging its use for many reasons including: reducing the number of incomplete applications submitted, improve processing time, and make packages more orderly. Although not at the moment, it is believed that because of its advantages the 10-tab format will soon be required by the SBA. Another preference by the SBA is for files to be sent using SendThisFile. Using these preferences, the submission process becomes much easier for both sides of the loan application process. Many companies find the most difficult part of the loan process the time in which it takes. Minimize the likelihood of delay by using the preferred methods discussed above.