Assume there is cash flow (X) in a year a) after making payments on SBA loan and Seller Note, and b) after distributing cash to cover investor personal tax. Can investors withdraw such excess cash flow (X) as distribution/dividends? Or do they have to use it to prepay debt or keep it on the balance sheet? In most non-SBA commercial loans, lenders restrict distribution of such excess cash flow to owners; it can be used to pre-pay debt or kept on the balance sheet.