8d • General discussion
Cash Flow Pays the Loan. Not Optimism.
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
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Cash Flow Pays the Loan. Not Optimism.
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