The original title is: "SBA-7a Loan Stip Fraud Detection: Post-PPP Lessons"

Short summary

Post-PPP fraud analysis reveals that small-business document fraud was dominated by real people altering PDFs (bank statements, tax returns) using consumer editing tools, not synthetic identity. Four recurring fraud patterns have emerged across fintech and SBA-7a lenders. The article details structural forensic signals—editor fingerprints, revision layers, timestamp mismatches—that flag altered documents, while honestly noting limits of file-level forensics for clean rebuilds.

• •PPP fraud was dominated by altered/fabricated PDFs, not synthetic identity
• •Four post-PPP fraud patterns now drive SBA-7a stip-doc review at major lenders
• •PDF forensics catches edited documents via editor fingerprints, revision layers, and timestamp mismatches but cannot detect clean rebuilds from scratch

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