Loan and collateral requirements
Use the lender request and current SBA materials for the specific transaction. Do not rely on a universal life-insurance threshold.
People the business depends on
Identify the operational and financial effect if an owner or key person could no longer work.
Property, liability and operations
Locations, revenue, payroll, vehicles, contracts, equipment and subcontractor use can shape a commercial discussion.
Prepare before requesting terms
Accurate records and a specific purpose help a licensed professional identify what needs attention.