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Self-check

Am I SBA-loanable?

Eight questions, two minutes. Each one is something a buyer's SBA lender will check before the money moves. Answer honestly. The grade is only useful if it hurts a little.

1 of 8Are your books closed and reconciled every month, with statements a lender could read today?
2 of 8Is every addback you would claim, from owner salary to personal expenses, documented well enough to survive a quality of earnings review?
3 of 8At your asking price, would cash flow cover a buyer's loan payments with room to spare? Most lenders hold a coverage floor of 1.25.
4 of 8Is your largest customer under 20% of revenue, or locked in by contracts a buyer can rely on?
5 of 8Could the business run for a month without you? Key relationships, pricing decisions, and daily operations in other hands or on paper.
6 of 8Do your last three years of tax returns match what your books say?
7 of 8Would the working capital a buyer needs to operate stay in the deal, rather than being swept out before a sale?
8 of 8Are your leases, licenses, and key contracts transferable to a new owner?

Answer all 8 questions to get your grade.

Next step

A grade is a start. The audit is the fix.

The loanability audit scores your actual books, returns, and records the way an underwriter does, and hands you a prioritized fix list. Two weeks, full confidentiality.

Book a Confidential Call

See what the loanability audit covers, two weeks, full confidentiality.

More free tools: the full first-look toolbox, or everything free in one place.

No obligation to list. hello@clariqadvisory.com