Glossary · Reading the business
In short
This is any income you, the borrower, receive from sources outside the business being acquired. It's usually considered when assessing your overall financial strength.
Lenders review your personal financial statement and tax returns to understand your full financial picture, including non-business income. While the business's cash flow is primary for repayment, significant personal non-business income can strengthen your application, especially if the business has lower DSCR.
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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