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Practical guidance on SBA loans, lender expectations and preparing your business for funding.
Financial readiness
A business debt schedule lists every debt your business owes. What SBA lenders require under SOP 50 10 8.1, the columns to include and how to reconcile it.
October 26, 2026 · 6 min read
SBA loans explained
SBA business acquisition rules under SOP 50 10 8.1: 10% equity, the seller note limit, 1.25 historical DSCR, valuations and the 24-month seller cap.
October 26, 2026 · 10 min read
Financial readiness
The DSCR formula, a worked example and SBA minimums under SOP 50 10 8.1: 1.10 for 7(a) Small loans, 1.15 standard 7(a), 1.25 for business purchases.
October 26, 2026 · 8 min read
Financial readiness
Who completes SBA Form 413, what goes on each line and schedule, how to value assets, and the 90-day rule for 7(a) and 504 loans under SOP 50 10 8.1.
October 26, 2026 · 8 min read
SBA loans explained
How SBA 504 real estate loans work: the 50/40/10 structure, 10% to 20% down, 51% and 60% occupancy, debenture limits and the jobs rule (SOP 50 10 8.1).
October 26, 2026 · 9 min read
Funding preparedness
What SBA lenders look for in a business plan, section by section: management, use of funds, equity, projections and debt service coverage (SOP 50 10 8.1).
October 26, 2026 · 9 min read
Funding challenges
SBA sets no minimum credit score for 7(a) or 504 loans. What SOP 50 10 8.1 requires, how lenders review your credit and how to prepare.
October 26, 2026 · 7 min read
SBA loans explained
SBA down payment (equity injection) rules under SOP 50 10 8.1: 10% for start-ups and purchases, 10% to 20% for 504, what counts and how it is verified.
October 26, 2026 · 8 min read
SBA loans explained
SBA loan qualifications under SOP 50 10 8.1: eligibility rules, the citizenship rule, cash flow, equity, credit, collateral and the documents lenders ask for.
October 26, 2026 · 10 min read
SBA loans explained
The two largest SBA loan programs work very differently. How to choose between them based on what you are financing.
October 21, 2026 · 6 min read
SBA loans explained
Under SOP 50 10 8.1, every owner and guarantor of an SBA 7(a) or 504 borrower must be a U.S. citizen or national living in the U.S. What it means for you.
October 21, 2026 · 5 min read
Funding preparedness
Lenders decide quickly whether a business is ready to borrow. These are the five things they check first, and how to get each one in order.
October 21, 2026 · 6 min read
