SBA UNDERWRITING ROOM · LENDER-READY
SBA loans are won or lost on the financials.
Immigration counsel gets you into the country and your investment structured. What they don’t do is run the operating finance underneath it — the books, the banking, the cash plan, the owner-pay policy. That’s the first thing we build.
WHAT UNDERWRITERS CHECK
- Verified equity injection & source of funds
- Proven, documented cash flow (DSCR)
- Clean, normalized financials
- Related-party transactions explained
WHAT CHANGED IN 2025
Underwriting got stricter — and the bar is documentation.
The current SOP rewards borrowers who can prove cash flow, source and verify their equity injection, and hand over lender-ready financials. Owner-operators with foreign ownership, intercompany transfers, or commingled accounts rarely get declined because the business is bad — they get declined because the data package looks risky.
SBA SOP details to be verified and dated by the firm before publishing.
THE REAL REASON
An underwriter can’t fund what the data won’t prove.
A clean P&L isn’t enough. The lender needs a coherent story: where the equity came from, how cash actually flows, what the add-backs are, and why the related-party transactions are legitimate. When that story is scattered across spreadsheets and entities, the deal stalls — or never starts.
WHAT YOU GET
The SBA Underwriting Room
A lender-ready package built from your real books:
- Normalized monthly close package
- Add-backs & normalization memo
- DSCR bridge
- 13-week cash forecast
- Equity-injection source-of-funds binder
- Related-party explanation memo
- A live Q&A room your banker opens in the cockpit
In plain English: DSCR = can you cover the loan payments · add-backs = one-off costs added back to profit · equity injection = proof your down-payment is your own money.
Find out how lender-ready your numbers are.
A [20-min] call — a real price and your top 3 priorities, in English or Spanish. No hard sell.
Where this fits — get set up (Arrival CFO) → run clean (Clean Room) → get funded (SBA Readiness)
Run by Edgar Ochoa — Investment Adviser Representative · cross-border finance. Investment advisory services offered through empiriKal Partners LLC, a Registered Investment Adviser.
THE DIFFERENCE
We don’t decorate the numbers. We prove them from the ledger.
We work from your ledger, not on top of it — normalizing the accounting, documenting the add-backs, and keeping you on covenant and cash monitoring after the loan closes. A banker trusts numbers that come from a system, not a slide.
Preparing to borrow? Start before you apply.
If your ownership or cash flows are even a little complex, the cleaner the package, the smoother the underwriting.
FREE RESOURCE
The SBA-Readiness Checklist
The 10 documents underwriters expect — in order. Get the package right before you apply.