Lenders care about one thing above all else: repayment ability. Hope is not a repayment strategy — predictable cash flow is. Before taking on SBA debt: - Review 3 years of tax returns carefully - Normalize earnings and remove one-time expenses - Calculate realistic debt service coverage - Stress-test revenue assumptions - Leave margin for unexpected downturns ➡️ Strengthen your financing knowledge at youtube.com/c/investorfinancingpodcast

The strongest deals often combine SBA loans with seller participation. When a seller carries a portion, alignment increases and risk decreases. Why seller financing matters: - Reduces required cash injection - Shows seller confidence in the business - Improves overall deal structure - Creates flexibility in negotiations - Aligns incentives post-closing ➡️ Explore smarter deal structuring strategies at youtube.com/c/investorfinancingpodcast

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