When underwriting a franchise concept to see if it meets SBA 7a guidelines, an SBA underwriter will typically look for the following documents:

1. Business Plan: A comprehensive business plan that includes details about the franchise concept, market analysis, management team, and financial projections.
2. Franchise Disclosure Document (FDD): A document provided by the franchisor that contains detailed information about the franchise, including its history, fees, and any ongoing obligations of the franchisee.
3. Franchise Agreement: The contract between the franchisor and franchisee that outlines the rights and obligations of both parties.
4. Personal Financial Statement (PFS): Financial statements for the borrower(s) that provide information about their assets, liabilities, and net worth.
5. Tax Returns: Tax returns for the borrower(s) for the past two to three years.
6. Credit Report: A credit report for the borrower(s) that provides information about their credit history and score.
7. Collateral: Collateral that can be used to secure the loan, such as real estate or equipment.
8. Operating Agreement and organizational documents: A legal document that outlines the ownership and management structure of the business.
9. Franchisee’s Resume: A resume of the franchisee's experience, qualifications and education
10. Franchisee’s reference letters: letters of reference from other business owners or professionals that can vouch for the franchisee's experience and qualifications

It's important to note that the SBA 7a guidelines are quite strict, and the underwriter will carefully review all of the above-mentioned documents to ensure that the franchise concept meets the program's eligibility requirements.

Note that the underwriter will refer to the SBA Franchise Directory to see if the prospective franchise is listed.