16d • General discussion
Your deal is fine. Your credit score will kill it.
The SBA minimum credit score is now 165.
Not 155. 165.
If you're below it, your application never reaches a human. The small loan cap also dropped from $500K to $350K.
That deal you've been structuring around $400K just got a lot harder to fund.
Most buyers find out when their application dies.
Financing isn't step two. It's step zero.
What deal size are you targeting right now? Drop it below. I'll tell you exactly what structure works at that number.
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Your deal is fine. Your credit score will kill it.
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