Business Lending
Startup Business Loan With No Revenue: What Lenders Require
With no revenue the weight of the file shifts to you. The 2026 SBA rules, the equity and credit bars, and which programs fund pre-revenue startups.
Business Lending.
Conventional, SBA, alternative, and bridge financing for small and mid-market businesses. What lenders look for and how to prepare.
Business Lending
What Is Seller Discretionary Earnings? SDE Explained
Seller discretionary earnings is the owner-benefit cash flow a small business is priced on. See which add-backs an SBA lender credits and which it strips.
Business Lending
What Is a UCC Filing? A Borrower's Guide to the Lien
A UCC filing is the public notice a lender files to claim your business assets. What it covers, how long it lasts, and how it affects your next loan.
Business Lending
What Is a Loan Covenant? The Rules After You Close
A loan covenant is a promise in your loan agreement that outlives closing. Breaching one can put you in default while every payment is current.
Business Lending
Fannie Mae vs Freddie Mac Asset Depletion Guidelines
Fannie Mae and Freddie Mac asset depletion guidelines side by side: divisors, LTV caps, eligible assets, and Freddie's August 2026 rewrite of Section 5307.1.
Business Lending
What Is an Asset Depletion Loan? How the Math Works
An asset depletion loan turns a documented asset balance into qualifying monthly income. The divisors, the haircuts, and which assets actually count.
Business Lending
What Is a Bank Statement Loan? How Deposits Qualify You
A bank statement loan qualifies self-employed borrowers on 12 to 24 months of deposits instead of tax returns. How the expense factor works, and the trade-offs.
Business Lending
What Is on a Profit and Loss Statement? Line by Line
Every line on a profit and loss statement, top to bottom, and how an underwriter turns your net income into the cash flow figure behind the loan decision.
Business Lending
Business Debt Schedule: How to Build One Lenders Accept
How to build a business debt schedule lenders accept: which columns to fill, what to leave off, and how to reconcile the total to your balance sheet and DSCR.
Business Lending
10 Types of Business Loans (and Who Needs a PFS)
The 10 types of business loans compared: SBA 7(a) and 504, term loans, lines of credit, equipment, factoring, and MCAs, plus which need a Form 413.
Business Lending
Business Loan Without Personal Guarantee: The Honest Answer
Which business loans you can get without a personal guarantee, which always require one (every SBA loan does), and how to qualify to skip it.
Business Lending
10 Documents Needed for a Business Loan (2026 Guide)
The 10 documents lenders require for a business loan: personal financial statement, tax returns, bank statements, and the SBA forms, plus how to prep each.
Business Lending
What Is a Personal Guarantee on a Business Loan?
A personal guarantee makes you repay a business loan from your own assets if the company defaults. Here is who signs, what it binds, and how to limit it.
Business Lending
Personal Financial Statement for the Self-Employed
How the self-employed build a personal financial statement, and how lenders rebuild Schedule C net profit into the qualifying income that backs the loan.
Business Lending
Personal Financial Statement for a Business Loan in 2026
What every business-loan lender, SBA or conventional, actually looks at on your personal financial statement, plus the thresholds underwriters quietly use.
Browse other topics
SBA LendingGuides, updates, and best practices for SBA 7(a), 504, and Form 413 personal financial statements. Built for borrowers, brokers, and SBA-preferred lenders.Commercial Real EstateDSCR loans, multifamily acquisitions, REPE reporting, and personal financial statements for real estate investors and operators.Personal FinanceNet worth tracking, financial organization, and personal financial statements for everyday life events — homebuying, divorce, estate planning, and more.
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