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SBA eligibility checker · Free tool
SBA files are decided by arithmetic: a payment, a coverage ratio, and a short list of floors. Enter yours and see the same math an underwriter runs: your estimated payment, your coverage against the SBA test for your lane, the most a lender could support at your cash flow, and what to fix if the answer isn't yet.
Your SBA Numbers
Example numbers are in place so you can see how it reads. Replace them with yours and the read updates as you type. Nothing is sent anywhere unless you ask for the breakdown by email.
The loan
Your business
Cash flow means the number your accountant would give an underwriter: net profit plus depreciation and interest. If you only know net profit, use it. The read stays honest, just conservative, and a strategist adjusts it properly on a real file.
Your read
Enter your numbers above and this line reads your file against the SBA tests: coverage, credit floor, time in business, and lane.
Illustrative estimate at an example rate of 9.75% (Prime plus a spread), not a quote or an approval. Your actual rate floats with Prime and depends on your full file. Coverage uses the cash flow you entered against the new payment plus the other debt payments you listed.
Want the rules behind the math? Read the SBA FAQ or the complete requirements checklist.
How it works
The checker runs the same first-pass math an underwriter runs: payment, coverage, floors, lane. If something fails, it tells you which thing, and by how much.
A checker can't see add-backs, a strong personal balance sheet, or a seller note that fixes an acquisition structure. We can. That read is free, and it's where borderline files get saved.
We build the file to the underwriter's checklist and route it to the lending partner that fits. You never pay us a fee: our partners pay us out of their closing fees.
The SBA cluster
SBA overview
Every lane, the rules that decide them, and how the packaging works, in one place.
Back to the SBA overview
Micro lane
The smallest, fastest SBA decisions, with the exact document checklist.
Read the micro breakdown
Acquisition lane
The 2026 acquisition rules: 1.25x coverage on historicals, the equity injection, and the package that gets a change of ownership decided.
Read the acquisition breakdown
Refinance lane
Roll conventional debt and business cards into one SBA payment at least 10 percent lower.
Read the refinance breakdown
The comparison
One underwriter and a queue, or a packaged file routed across lending partners. Compared line by line.
Compare the routes
The full FAQ
Fees, timelines, credit floors, coverage ratios, and documents, answered in plain language.
Read the FAQ