Glossary · Reading the business
In short
A measure comparing your total monthly debt payments to your gross monthly income, indicating your ability to manage personal debt.
Lenders assess your personal debt-to-income ratio as part of evaluating your overall creditworthiness and global cash flow. A high ratio can signal financial strain and may impact your loan approval, especially since you'll be personally guaranteeing the SBA loan. Be prepared to provide detailed personal financial statements and tax returns.
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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