Explanation
A bankable business meets the underwriting criteria of traditional SBA and commercial bank lenders — typically 2+ years in business, profitable operations, and clean banking.
Businesses that are not yet bankable can use alternative lenders (revenue-based, line of credit fintechs) while building toward bankable status.
Examples
- •2+ years time in business
- •Profitable on tax returns
- •Average daily balance supports debt service
- •No recent NSFs or overdrafts
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