The complete $2.4M SBA 7(a) lender package.
An anonymized 28-page credit memo, spread analysis, add-back schedule and autofilled Forms 1919 and 413 that secured a 48-hour term sheet from a top-10 national SBA preferred lender.
Credit memo · Precision CNC Machining Inc.Rev 4 · Shared to 3 lenders
Program
SBA 7(a) Standard · Business acquisition
Request
$2,400,000
Rate / term
Prime + 2.75% · 10 yr
Lender
Top-10 SBA preferred lender
Business DSCR
1.67x
Clears 1.25x
Global DSCR
1.36x
Clears 1.25x
CFADS
$643,980
Guarantors
Daniel Okafor (60%)
Lena Marsh (40%)
Package status
3-year spread reconciled
Add-backs: 5 defensible, 1 excluded
Forms 1919, 413 ×2, 159, 4506-C ×3
What is inside
- Executive summary and recommendation (4 pp)
- 3-year historical spread with TTM and variance (3 pp)
- Add-back justification schedule with evidence index (2 pp)
- Global cash flow worksheet, 2 guarantors (2 pp)
- Business debt schedule and Source & Use (2 pp)
- Collateral analysis and lien position (2 pp)
- SBA Form 1919 for OC and EPC (8 pp)
- SBA Form 413, 2 guarantors (6 pp)