Glossary · Reading the business
In short
Debt incurred through credit cards, which can be personal or business-related. High levels, especially personal, can signal financial stress and impact your eligibility for a loan.
Lenders will review your personal credit report and financial statements to assess your existing credit card debt. Excessive personal credit card debt can negatively affect your FICO score and overall creditworthiness, potentially hindering your loan approval. Business credit card debt will be part of the business's liabilities.
SBA Form 1919 — Borrower Information Form
U.S. Small Business Administration · SBA form
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
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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