10/30/2026
Collateral and credit matter, but lenders also need to see how the business will make the proposed loan payments. They may review historical earnings, existing debt obligations, owner compensation, unusual expenses, and reasonable projections. If recent results were weaker, be prepared to explain what happened, what changed, and how the business will support the new debt. Clear financial statements and a credible repayment story are more useful than optimistic estimates without support. Want to understand how a lender may view your business cash flow? Call US Capital Lenders at 210-988-1588 to discuss your SBA financing goals.