SBA DSCR Leeway?

February 17, 2025
by a searcher from Pomona College in South Kingstown, RI, USA
Hypothetical company:
2022 $298,000 SDE 2023 $307,000 SDE 2024 $190,000 SDE
However, in the first quarter of 2025, they will do $200k SDE. It appears 2024 was more of a timing issue than a down year.
Can the bank take that into account when calculating DSCR? Or are they required to use straight fiscal year numbers (including the poor 2024)?
from Eastern Illinois University in 900 E Diehl Rd, Naperville, IL 60563, USA
in Falmouth, MA, USA