Labels:text | screenshot | font OCR: How To Start A Small Business (SBA Documentation) Page 28 Therefore, it is helpful if you work with these agencies to help them prepare an accurate picture of your business. Using the credit report, & the information you have provided, the lending officer will consider the following issues : . Have you invested savings or personal equity in your business totaling at least 25% - 50% of the loan you are requesting? Remember a lender or investor will not finance 100% of your business. Do you have a sound record of credit worthiness as indicated by your credit report, work history & letters of recommendations? This is very important. . Do you have sufficient experience & training to operate a successful business? . Have you prepared a loan proposal & business plan which demonstrates your understanding of the business & your commitment to the success of the business? Does the business have sufficient "cash flow" to make the monthly payments on the loan request? SBA FINANCIAL PROGRAMS