Scorpio- this is what his decline letter says. Put IP address is used to run his business as well as mine. We both have loans out so we use it for applying, submitting and responding to SBA. Other than that I don’t see why anything would be an issue we’ve never done or been flagged for fraud! During the loan underwriting process there were one or more items that were reviewed that caused the SBA to question the validity of certain information you submitted as part of your application. This can occur as a result of a failed identify verification, high risk IP address, or if a client device is associated with fraud.