I’ve tried to tell people that after the lender approves the application for sba submittal the borrower is issued a PLP or E-Tran or SBA number(whatever you want to call it) to reserve funds for the borrower just in case the SBA e Tran system finds an error and sends it back to the lender. This way if it takes a while the borrowers funds are reserved and won’t be given to someone else or run out. So a PLP number doesn’t guarantee funds. Even after SBA approval a borrower can be denied by the lender or by the bank the lender issues. I provide a link so they can read it. But people still want to argue and say they wouldn’t issue a number if you weren’t getting it. I rebuttal with, that’s your opinion and it doesn’t matter what you think they would or should do. I don’t know if they are to lazy to spend 20 minutes and do some research. Or they just don’t understand what they are reading. But it’s quite simple to find this information out. I really think people run studies or social experiments and have Reddit users argue with people and tell them they are wrong.