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- Management expertise
- Debt repayment ability, good credit
- Well-capitalized business, record of profitability
- Collateral - Bank up to 60% loan-to-value. CDC/SBA up to 40% loan-to-value, not to exceed 90% maximum combined financing
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- Management expertise
- Debt repayment ability, good credit
- Collateral - Business and/or personal assets
- Acquisition or expansion requires a minimum of 20% capital injection
- Start-up businesses require a minimum of 30% capital injection and a business plan with projections
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- Management expertise
- Debt repayment ability, good credit
- Collateral - Business and/or personal assets may be required
- Minimum time of ownership
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