SBA Lender - Borrower Profile Question

searcher profile

May 26, 2025

by a searcher from University of New Mexico in Clearwater, FL, USA

Two Borrower Profiles below are buying a small business using SBA loan. Which one is more attractive? 1) $2M networth, $170k in passive income from real estate 2) $1.5M stocks, no active income Does one get better rates/ terms? Thanks!
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commentor profile
Reply by a lender
from Eastern Illinois University in 900 E Diehl Rd, Naperville, IL 60563, USA
I agree with Ishan that the primary credit decision and risk based pricing is going to be off the business you are acquiring. Assuming the business and structure meet all standard underwriting criteria, both options present the opportunity for attractive financing. Quite frankly, it depends on the individual lender based on which one would prefer each situation. I would be happy to get on a call to walk through this. You can reach me here or directly at redacted We have some pretty aggressive lending partners offering some strong pricing at the moment.
commentor profile
Reply by a lender
from University of Missouri in Denver, CO, USA
Yeah agreed with the above. It depends what that networth consists of, but both would likely make for an attractive buyer if the target business is also a quality business you can run
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