Glossary · Reading the business
In short
The lender's detailed evaluation of your business's and your personal ability to repay a loan, assessing risk before approval. This is how they determine if you're a good borrower.
For an SBA 7(a) loan, the lender conducts a thorough credit analysis. They examine your personal credit history, the business's financial statements, cash flow projections, and collateral. Provide comprehensive financial documentation to support your repayment capacity and minimize perceived risk.
Defined by DealRoom.so SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
Pressure-test the numbers before you make an offer
Send us the asking price and the seller's cash flow — we'll show whether the deal services SBA debt and where the add-backs are likely to hold up.
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