Deal Playground

Score your SBA 7(a) deal across the 5 C's of Credit. Adjust the sliders to see how deal characteristics affect approval likelihood.

For educational purposes only. Not a lending decision or guarantee of approval. Actual underwriting considers many additional factors.

Cash Flow (DSCR)

Debt Service Coverage Ratio

1.25

20 pts

< 1.0 Weak 1.15x min 1.5+ Strong

Credit Score

Personal FICO score

680

20 pts

< 600 Poor 750+ Excellent

Collateral Coverage

Percentage of loan secured

50%

15 pts

0% None 100% Fully Secured

Character (Experience)

Years of industry experience

3 yrs

15 pts

0 yrs None 5+ yrs Veteran

Capital (Equity Injection)

Borrower equity contribution

10%

10 pts

0% None 30%+ Strong

Knockout Factors

Approval Likelihood

70%

likelihood

Possible — Solid fundamentals with some concerns

Score Breakdown

Cash Flow 28 / 35

Credit Score 20 / 25

Collateral 15 / 25

Character (Experience) 12 / 15

Capital 8 / 15

Base Total 80 / 115