HOW DOES SBA LENDING WORK?
The U.S. Government guarantees a portion of each SBA loan made by its licensed lenders. The exact portion depends directly on the size of the loan.
OTHER LENDING CRITERIA
Each licensed SBA lender has individual internal lending criteria, as well.
Some lenders look to cash flow while others look to collateral or a combination of both. Credit score standards, capital, and loan conditions are also part of the other criteria looked for by licensed SBA lenders.
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WHO QUALIFIES FOR A GUARANTEE
 There are a number of requirements
that determine whether a business is eligible for an SBA guaranty. Note
that we did not say eligible for a “loan”
we said eligible for an “SBA guarantee”.
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Each lender must first make two determinations:
(1) Does the applicant meet SBA regulatory eligibility? and
(2) Does the applicant meet the lender's criteria?
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