This SBA loan was rejected even though the business had been operating successfully for 20 years.

To connect with Frank & Dave - info@lulucapitalinc.com - https://sbaloanshow.com - 415-677-2204

In this episode of The SBA Loan Show, Frank Garay and Dave Zitting break down what the original lender missed, how they rebuilt the loan package, and what ultimately got the transaction approved.

The business had new employees, equipment expenses, compressed margins, and incoming contracts. However, its financial documents did not clearly show why the temporary expenses existed or how the expansion would increase future revenue.

After the local credit union declined the transaction, Dave and his team took a deeper look at the business, worked with the company's CPA and financial professionals, documented its signed contracts, and rebuilt the loan package to tell the complete story.

They also matched the transaction with a lending partner specifically interested in financing industrial and manufacturing businesses.

In this episode, you'll learn:
- Why an SBA loan may be denied even when the business is strong
- How temporary expansion expenses can affect loan approval
- Why tax returns and financial statements may not tell the full story
- How signed contracts and future revenue can strengthen an SBA loan package
- Why choosing the right SBA lender matters
- How lenders evaluate different industries
- What an SBA loan second look involves
- Why working with the borrower's CPA can uncover important information
- How a declined SBA transaction can be repackaged and reconsidered

Key Takeaways: A successful SBA loan application is not only about submitting documents. It is also about helping the lender understand the business, the reason for the financing, and how the proposed expansion will support future cash flow.

If your SBA loan was declined, or you are planning to finance a commercial property, business expansion, or equipment purchase, contact Frank and Dave to request a second look.


➡️ Visit The SBA Loan Show: https://SBALoanShow.com


Disclaimer This content is provided for general educational purposes and does not constitute financial, legal, tax, accounting, or lending advice. SBA loan approval, terms, eligibility, and timelines vary based on the borrower, transaction, lender, industry, and current SBA requirements. Approval is not guaranteed.


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