Heard an SBA banker last week quote 80 days avg and they're known to work very efficiently. This is post LOI. His view was that tons of banks will take 100+ days.

I've worked for several direct SBA loan shops over my career. Even as an insider, ^redacted‌, I couldn't guarantee a closing timeline. Anything can happen: people quit, go on vacation, or departments run short-handed. This can affect not only your lender but also all third-party providers involved. Third-party providers can stall the SBA loan closing process just as much. Never take any lender's turn time to close as a promise. Delays aren't always the lender's fault. The best approach is to drive your SBA bus, ensuring everyone on board communicates openly. It takes a lot of grit and grace, but transactions can close inredacteddays if everyone is organized, present, and participating with open communication. i.e., if a strategic deal player is going on vacation, as in the SELLER, tell everyone! Sometimes, a larger loan in the lender's queue will take precedence over smaller loans. Corporate politics play a big role in turn times, both good and bad.