Glossary · Reading the business
In short
This refers to the projected cash a business is expected to generate after all expenses and debt payments. It's crucial for assessing the business's ability to repay the SBA loan.
Lenders heavily scrutinize future cash flow projections to ensure the business can service the new debt. Your business plan must realistically forecast revenue, expenses, and debt service. Be conservative in your estimates and understand the underlying assumptions.
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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