HOW TO GET AN SBA LOAN
SBA Readiness Dashboard | Blue cells = your inputs. Black = formulas.
SBA READINESS SCORECARD
Requirement Target Your Current Status Met?
FICO Score (all 3 bureaus) 680+ (ideal 720+)
2+ years (1 yr
Business Operating History
minimum)
$10,000 for $100K
Equity Injection (10%)
loan
60-90 days in
Equity Seasoning
account
No Recent Negative Marks 12+ months clean
Business Plan Complete All sections drafted
3-year P&L + cash
Financial Projections
flow
Last 2-3 years
Tax Returns Ready personal +
business
Assets to secure
Collateral Identified
loan
DSCR (Debt Service Coverage) 1.25x minimum
SBA Preferred
Target Lender Identified
Lender
READINESS SCORE 0 of 11 0%
© 2026 Darrell E. Brown Jr. All rights reserved.
,SBA LOAN
Notes Action Needed
SBA Readiness Dashboard | Blue cells = your inputs. Black = formulas.
SBA READINESS SCORECARD
Requirement Target Your Current Status Met?
FICO Score (all 3 bureaus) 680+ (ideal 720+)
2+ years (1 yr
Business Operating History
minimum)
$10,000 for $100K
Equity Injection (10%)
loan
60-90 days in
Equity Seasoning
account
No Recent Negative Marks 12+ months clean
Business Plan Complete All sections drafted
3-year P&L + cash
Financial Projections
flow
Last 2-3 years
Tax Returns Ready personal +
business
Assets to secure
Collateral Identified
loan
DSCR (Debt Service Coverage) 1.25x minimum
SBA Preferred
Target Lender Identified
Lender
READINESS SCORE 0 of 11 0%
© 2026 Darrell E. Brown Jr. All rights reserved.
,SBA LOAN
Notes Action Needed
