Glossary · Reading the business
In short
This is a specific FICO credit scoring model often used by lenders to assess the creditworthiness of small businesses and their principals. It helps predict the likelihood of default.
While the term "FICO LiquidCredit" is somewhat dated, lenders will pull your personal FICO score and credit report as a key part of their credit analysis for an SBA loan. A strong personal FICO score demonstrates good character and is crucial for loan approval. Address any derogatory marks proactively.
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
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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