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How to Prepare Financials for an SBA Loan Application: Your Indiana Business’s Blueprint for Success

Indianapolis – October 29, 2025: For many small business owners in Indiana, securing an SBA loan is the golden ticket to growth, expansion, and sustained success. Whether you’re looking to purchase real estate in Indianapolis, upgrade equipment in a Fort Wayne manufacturing facility, or boost working capital for your blooming retail shop in Carmel, an SBA-backed loan offers favorable terms and the capital infusion you need. But before you can unlock these opportunities, you need to master one crucial step: how to prepare financials for an SBA loan application.

This comprehensive guide, meticulously crafted for Indiana entrepreneurs, will demystify the financial preparation process, ensuring your application stands out. We’ll explore the critical documents, current market insights, and why GHC Funding is your trusted partner in navigating the SBA landscape, from the bustling commerce of downtown Indianapolis (zip codes like 46204 and 46227) to the vibrant communities of Bloomington and South Bend.

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Why Financial Preparation is Paramount for Your Indiana Business

The Small Business Administration (SBA) guarantees a portion of these loans, reducing risk for lenders and allowing them to offer more attractive terms. However, this guarantee also means a rigorous review process. Your financial documents are not just numbers; they tell the story of your business’s health, its management, and its future potential. A well-prepared financial package demonstrates credibility, professionalism, and a clear understanding of your business’s trajectory.

Essential Financial Documents for Your SBA Loan Application

When you’re ready to apply for an SBA 7(a) loan – the most common and flexible SBA loan program – lenders will scrutinize several key financial statements. Here’s what you need to gather and prepare:

1. Business Financial Statements:
   • Profit & Loss (P&L) Statements (Income Statements): Typically required for the last three fiscal years, plus a year-to-date (YTD) statement within 90 days of the application. These show your revenues, costs, and profits over a specific period.
   • Balance Sheets: For the last three fiscal years, plus a YTD statement. The balance sheet provides a snapshot of your assets, liabilities, and owner’s equity at a specific point in time.
   • Cash Flow Statements: While not always explicitly requested for the full historical period, understanding your cash flow is vital. A strong cash flow projection is often critical for demonstrating repayment ability.
2. Personal Financial Statements (PFS):
   • For all owners with 20% or more equity in the business. This document outlines your personal assets (cash, investments, real estate) and liabilities (mortgages, credit card debt, personal loans). It gives the lender a holistic view of your financial stability.
3. Federal Income Tax Returns:
   • Business Tax Returns: For the last three years (Form 1120 for C-Corps, 1120S for S-Corps, 1065 for Partnerships, Schedule C for Sole Proprietors).
   • Personal Tax Returns: For the last three years (Form 1040) for all owners. These independently verify the income and expenses reported in your financial statements.
4. Projections:
   • Detailed Projections: For at least one year (often two or three), typically on a monthly basis for the first year, then quarterly or annually. These projections should include projected P&L statements, balance sheets, and cash flow statements. They demonstrate how your business will generate enough revenue to repay the loan. Be realistic and base these on historical data, market trends, and a sound business plan.
5. Accounts Receivable & Accounts Payable Aging Reports:
   • These reports show how quickly your customers are paying you and how quickly you are paying your suppliers. Healthy aging reports indicate good financial management.
6. Debt Schedule:
   • A comprehensive list of all existing business debts, including the lender, original amount, current balance, interest rate, monthly payment, and collateral.

Are You an SBA Real Estate Loan Expert?

Test your in-depth knowledge on using SBA Loans for owner-occupied commercial Real Estate acquisition. These questions delve into the critical details that can impact your business's growth and financial strategy.

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Page 1 of 5

For an existing commercial property, what is the minimum owner-occupancy percentage required for an SBA 7(a) real estate loan, and does this specific scenario qualify?

A manufacturing company plans to acquire a 30,000 sq ft industrial real estate facility using an SBA 7(a) Loan. The company initially needs 18,000 sq ft for its operations and intends to lease out the remaining 12,000 sq ft.

A) 60%; Yes, it qualifies. B) 51%; Yes, it qualifies. C) 75%; No, it does not qualify. D) 60%; No, it does not qualify, as they are leasing out a portion.

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Which of the following sets most accurately represents additional cost categories that can typically be financed within an SBA 504 Loan for a commercial real estate project?

Hint: Beyond the straightforward purchase of a commercial real estate property, an SBA 504 Loan is highly effective for comprehensive projects.

A) Business inventory, working capital, and employee salaries. B) Building renovations, long-term machinery essential to operations within the property, and soft costs like architectural fees. C) Advertising expenses, short-term equipment leases, and utility deposits. D) Personal real estate investments, vehicles for personal use, and stock market investments.

Page 3 of 5

Between an SBA 7(a) Loan and an SBA 504 Loan, which program generally offers the lowest typical borrower down payment for a commercial real estate acquisition, and what is that common minimum percentage for established businesses?

A highly profitable professional services firm in a competitive market wants to purchase its office real estate with minimal upfront capital. The firm's owners prioritize cash flow and liquidity.

A) SBA 7(a) Loan; 15% B) SBA 504 Loan; 10% C) SBA 7(a) Loan; 5% D) SBA 504 Loan; 20%

Page 4 of 5

For new construction, what is the initial minimum owner-occupancy percentage required, and what is the maximum timeframe to meet the full owner-occupancy threshold, for an SBA Real Estate Loan?

A fast-growing tech startup plans to construct a new 50,000 sq ft headquarters using an SBA Loan. They will immediately occupy 35,000 sq ft and have a definitive plan to occupy the remaining 15,000 sq ft within two years as their team expands.

A) Initial 51%, full 80% within 5 years. B) Initial 60%, full 80% within 3 years. C) Initial 75%, full 100% within 1 year. D) Initial 51%, full 100% within 2 years.

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What is this crucial requirement, and what fundamental principle does it underscore for the lender?

When securing an SBA Loan for a commercial real estate purchase, principal owners with a 20% or greater ownership stake are almost universally required to provide a specific type of assurance beyond the collateral of the real estate itself.

A) A fixed-rate interest payment commitment, demonstrating long-term stability. B) A first-lien position on all personal assets, ensuring full recovery. C) A personal guarantee, signifying the owners' personal commitment to loan repayment. D) A business plan with projected revenue growth of at least 15% annually, showing future viability.

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Current Market Insights: What Indiana Businesses Need to Know

As of November 27, 2023, the SBA 7(a) loan program offers highly competitive interest rates, especially when compared to traditional, non-guaranteed commercial loans.

• SBA 7(a) Loan Interest Rates: These are variable, tied to the Prime Rate, plus a spread. The Prime Rate currently hovers around 8.50%. For an SBA 7(a) loan, you can expect rates to range from Prime + 2.25% to Prime + 4.75%. This means a potential range of 10.75% to 13.25%.
• Factors Influencing Your Rate:
  • Business Credit Score & History: A strong business credit profile (e.g., Paydex score) indicates lower risk.
  • Time in Business: Established businesses with a proven track record often secure better rates.
  • Annual Revenue & Profitability: Higher, consistent revenue streams are favorable.
  • Personal Credit Score: Owners with good personal credit scores (typically FICO scores above 680-700) will qualify for better terms.
  • Available Collateral: While SBA loans are often more flexible on collateral than traditional loans, sufficient collateral can positively impact your rate.
  • Loan Amount & Term: Larger loans with longer terms (up to 10 years for working capital, 25 years for real estate) might have slightly different rate structures.

Key Benefits of SBA 7(a) Loans for Indiana Businesses:

• Longer Repayment Terms: Enjoy up to 10 years for working capital and equipment, and up to 25 years for real estate. This significantly reduces your monthly payments, improving cash flow.
• Lower Down Payment Requirements: Often as low as 10-20%, making capital more accessible.
• Flexible Use of Funds: Use the funds for a wide range of business needs, including working capital, equipment purchases, real estate acquisition, debt refinancing, and business acquisition.
• No Prepayment Penalties: For loans with terms of 15 years or less, there are no prepayment penalties, offering financial flexibility.
• Competitive Rates: Thanks to the SBA guarantee, rates are often lower than conventional non-SBA loans.

Navigating SBA 7(a) Loans: An Essential Quiz for Small Business Owners

Test your knowledge on the SBA's most popular loan program, designed to fuel business growth and expansion - SBA 7(a) Loans!

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Page 1 of 5

What is the SBA 7(a) Loan program, and how does it facilitate small business growth and development within the United States economy? a) The SBA 7(a) Loan program is a direct lending initiative by the Small Business Administration, providing government-backed loans with fixed interest rates and repayment terms, specifically designed to support the operational needs of startups and established small businesses, thereby fostering economic growth by enabling access to capital that might not be available through conventional banking channels. b) The SBA 7(a) Loan program acts as a guarantor, partnering with participating banks and credit unions to reduce their risk in lending to small businesses; this guarantee allows these financial institutions to offer more favorable terms, such as lower interest rates and extended repayment periods, ultimately stimulating entrepreneurship and job creation across various sectors of the U.S. economy. c) The SBA 7(a) Loan program is a federal grant program that provides funding to small businesses without requiring repayment, aimed at promoting innovation and research and development within key industries to enhance the competitive edge of American small businesses in the global market. d) The SBA 7(a) Loan program is a venture capital fund managed by the Small Business Administration, investing directly in high-growth potential startups in exchange for equity, focusing on technology and manufacturing sectors to drive economic expansion and technological advancement.

Page 2 of 5

What are the typical eligibility requirements for securing an SBA 7(a) Loan, and how do these criteria ensure that the funds are directed towards viable small businesses with the potential for long-term success? a) Eligibility for an SBA 7(a) Loan primarily depends on the applicant's credit score and the submission of a comprehensive business plan, with a minimum credit score of 700 required to demonstrate financial responsibility and a detailed plan to outline the business's operational strategies and financial projections, ensuring the SBA's investment is in well-managed and strategically planned ventures. b) The SBA 7(a) Loan eligibility criteria include the business's operational history, typically requiring at least two years of operation to establish a track record, the applicant's personal investment in the business to ensure commitment, and demonstration of sufficient cash flow to manage loan repayments, all aimed at mitigating risk and supporting businesses with proven sustainability. c) To qualify for an SBA 7(a) Loan, applicants must present collateral valued at least equal to the loan amount to secure the loan, undergo a rigorous background check to ensure no prior financial misconduct, and provide audited financial statements for the past three years to verify financial stability and operational transparency. d) SBA 7(a) Loan eligibility is determined by a lottery system, where all applicants meeting basic criteria such as having a registered business and a valid tax ID are entered into a random selection process, reflecting the SBA's commitment to equitable access to funding for all small businesses regardless of their financial history or business scale.

Page 3 of 5

How can small businesses utilize funds obtained through the SBA 7(a) Loan program, and what specific expenditures qualify under the program’s guidelines to support business operations and expansion? a) SBA 7(a) Loan funds can be used for a wide array of business needs, including purchasing real estate to establish a physical presence, acquiring equipment to enhance operational efficiency, covering working capital to manage day-to-day expenses, and refinancing existing debt to improve cash flow, providing comprehensive financial support for various stages of business development. b) The SBA 7(a) Loan program restricts the use of funds to marketing and advertising campaigns aimed at increasing brand awareness, covering employee salaries to maintain staffing levels, and investing in research and development to innovate new products or services, focusing on stimulating demand and operational capacity. c) Funds from an SBA 7(a) Loan are exclusively designated for international expansion efforts, such as establishing overseas offices, funding export activities, and covering legal fees associated with international trade compliance, to support small businesses in accessing global markets. d) SBA 7(a) Loan funds are limited to investments in the stock market to generate additional revenue for the business, covering personal expenses of the business owner to ensure financial stability, and contributing to political campaigns to influence policy favorable to small businesses.

Page 4 of 5

What are the key differences between the SBA 7(a) Loan program and other SBA loan programs, such as the 504 Loan Program or the Microloan Program, and how do these distinctions cater to the diverse financing needs of small businesses? a) The SBA 7(a) Loan is designed for broader purposes, including working capital and debt refinancing, while the 504 Loan Program focuses on real estate and equipment purchases, and the Microloan Program offers smaller loans for startups and very small businesses, each tailored to specific financial requirements and stages of business development. b) Unlike the SBA 7(a) Loan, which requires extensive documentation and a rigorous approval process, the 504 Loan Program offers expedited approval with minimal paperwork, and the Microloan Program is exclusively available to non-profit organizations and cooperatives, reflecting the SBA's diverse support mechanisms for various business structures. c) The SBA 7(a) Loan program is the only SBA initiative that provides direct funding without involving third-party lenders, whereas the 504 Loan Program operates as a grant program with no repayment required, and the Microloan Program is specifically designed for businesses in the technology sector with high-growth potential. d) While the SBA 7(a) Loan program is characterized by its variable interest rates, the 504 Loan Program offers fixed rates, and the Microloan Program is unique in that it allows funds to be used for personal expenses of the business owner, showcasing the SBA's flexible approach to meet varied financial needs.

Page 5 of 5

How does the SBA 7(a) Loan program contribute to job creation and economic stability within local communities, and what are some examples of businesses that have successfully utilized this program to achieve significant growth and impact? a) The SBA 7(a) Loan program stimulates job creation by enabling small businesses to expand operations, hire more employees, and invest in employee training, thereby reducing unemployment rates and fostering economic stability in local communities; examples include manufacturing companies that have scaled up production, retail businesses that have opened new locations, and tech startups that have commercialized innovative products. b) The SBA 7(a) Loan program primarily supports the arts and culture sector by providing funding for museums, theaters, and galleries, thereby enhancing the cultural landscape of communities without direct impact on job creation or broad economic stability. c) Through the SBA 7(a) Loan program, funds are directed towards lobbying efforts to influence government policies, which, while beneficial to small businesses, does not directly translate into job creation or community economic stability. d) The SBA 7(a) Loan program focuses on providing financial assistance to large corporations rather than small businesses, which, while contributing to the national economy, has limited impact on job creation and economic stability at the local community level.

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GHC Funding: Your Go-To SBA Lender in Indiana

Navigating the intricacies of an SBA loan application can be daunting, but it doesn’t have to be. This is where GHC Funding excels. We are not just a lender; we are your dedicated financial partners, uniquely positioned to help Indiana small business owners secure the capital they need.

While large national banks may offer SBA loans, they often treat applicants as just another number, leading to bureaucratic delays and a frustrating experience. At GHC Funding, we pride ourselves on:

• Deep Expertise in SBA Loans: Our team specializes in SBA 7(a) loans and SBA 504 Loans, understanding every nuance of the program. We know exactly what the SBA requires and how to present your financials in the most compelling way.
• Personalized Guidance: We offer one-on-one support, helping you prepare financials for an SBA loan application every step of the way. We’ll review your documents, identify potential gaps, and help you craft a strong narrative for your business. This personalized approach is invaluable for a diverse range of Indiana businesses, from a family-owned restaurant in South Bend’s Near West Side to a growing tech startup near Purdue’s Discovery Park District in West Lafayette.
• Streamlined Application Process: We leverage our expertise to make the application process as efficient and stress-free as possible. Our goal is to get you approved and funded quickly, so you can focus on running your business.
• A Full Spectrum of Solutions: Beyond SBA loans, GHC Funding also provides Bridge Loans and Working Capital Solutions, ensuring we can meet a wide array of your business funding needs.

Your Business in Indiana, Our Funding Solutions

No matter where your small business operates in Indiana, GHC Funding understands the local economic landscape.

• Indianapolis (Zip Codes 46204, 46227, 46250): Whether you’re a burgeoning service-based business in the heart of downtown, a construction company in the thriving southside, or a healthcare provider in the northeast corridor, an SBA loan can facilitate equipment upgrades, real estate purchases, or critical working capital. Imagine a growing manufacturing firm in Speedway (46224) needing to acquire new machinery – GHC Funding can help structure an SBA 7(a) loan for precisely that.
• Fort Wayne (Zip Codes 46802, 46805, 46808): With a strong manufacturing base and a growing entrepreneurial spirit, businesses here often require funding for inventory, expansion, or technology upgrades. A new retail establishment opening in the thriving Electric Works district (46802) could leverage an SBA loan for tenant improvements and initial inventory.
• Carmel (Zip Code 46032, 46033): Home to many professional services firms and upscale retail, businesses here might seek funds for office expansion, talent acquisition, or even refinancing existing debt at more favorable terms. A consulting firm expanding its footprint in the Meridian Street corridor (46032) could use an SBA loan to secure a larger office space.
• Bloomington (Zip Code 47401, 47404): Supported by Indiana University, this city sees a mix of tech startups, vibrant hospitality businesses, and local retail. An SBA loan could empower a new restaurant near Kirkwood Avenue (47401) to cover startup costs or an established software company in the Certified Technology Park (47404) to secure growth capital.
• South Bend (Zip Codes 46601, 46614): Experiencing revitalization, businesses in South Bend, from manufacturing to emerging tech, can utilize SBA loans for various purposes, including working capital to manage seasonal fluctuations or real estate acquisition in the burgeoning downtown area (46601).
• Evansville (Zip Code 47710, 47715): With a diverse economy including healthcare, advanced manufacturing, and logistics, businesses here can leverage SBA financing for equipment, expansion, or even business acquisitions. A logistics company expanding its fleet near the I-69 corridor (47710) would find an SBA 7(a) loan highly beneficial.

Mastering the SBA 504 Loan: Your Essential Guide Quiz

Test your knowledge on the SBA's most popular loan program, designed to fuel business growth and expansion.

Page 1 of 5

What is the primary purpose of the SBA 504 Loan program, and how does it specifically support small businesses in acquiring long-term fixed assets? a) The SBA 504 Loan program provides working capital and debt refinancing for small businesses to manage daily operations and improve cash flow. b) The SBA 504 Loan program offers direct grants to small businesses for innovation and research, without requiring repayment c) The SBA 504 Loan program helps small businesses acquire or expand fixed assets, such as real estate and machinery, by providing long-term, fixed-rate financing with a lower down payment through a partnership between a private-sector lender and a Certified Development Company (CDC). d) The SBA 504 Loan program is designed for short-term financing needs, such as seasonal inventory purchases and temporary staffing solutions, with high-interest rates.

Page 2 of 5

What are the typical eligibility requirements for small businesses seeking an SBA 504 Loan, and how do these criteria ensure that the program targets sustainable growth and job creation? a) Eligibility for an SBA 504 Loan primarily depends on the owner's personal credit score and their ability to provide 100% collateral for the loan amount, regardless of business performance. b) Small businesses must be operational for at least 10 years and have a minimum of 500 employees to qualify for an SBA 504 Loan, emphasizing support for very large enterprises c) To qualify for an SBA 504 Loan, a small business must be for-profit, have a tangible net worth of less than $15 million, and average net income after federal income taxes of less than $5 million for the preceding two years, while also demonstrating the ability to create or retain jobs or meet public policy goals. d) SBA 504 Loan eligibility is based solely on the business's location within an economically distressed area, without consideration for financial viability or job impact

Page 3 of 5

What is the typical financing structure of an SBA 504 Loan, detailing the roles of the private-sector lender, the Certified Development Company (CDC), and the borrower's equity injection? a) The SBA 504 Loan is entirely funded by the Small Business Administration, with no involvement from private banks or the borrower's equity. b) The structure involves a 75% loan from a private lender, 25% from the borrower's equity, and no involvement from a Certified Development Company (CDC) c) An SBA 504 Loan typically consists of three components: a first mortgage loan from a private-sector lender (usually 50% of the project cost), a second mortgage loan from a Certified Development Company (CDC) backed by an SBA guarantee (up to 40% of the project cost), and an equity injection from the borrower (typically 10% or more) d) The financing involves 80% from the borrower's equity, 10% from a private lender, and 10% from the CDC, with the SBA providing a direct subsidy.

Page 4 of 5

What types of fixed assets are typically eligible for financing under the SBA 504 Loan program, and how does this program support various industries in expanding their physical infrastructure? a) The SBA 504 Loan program exclusively finances the purchase of business inventory and short-term operational supplies for retail and service industries. b) Eligible fixed assets include existing buildings, land, new construction, major renovations, and long-term machinery and equipment, supporting a wide range of industries from manufacturing to hospitality in expanding their physical infrastructure. c) Only residential rental properties and speculative real estate developments are eligible for financing under the SBA 504 Loan program, targeting real estate investors. d) The SBA 504 Loan program finances only intangible assets like patents, copyrights, and intellectual property, for technology and creative industries.

Page 5 of 5

What are the key benefits of choosing an SBA 504 Loan over conventional financing for small businesses, particularly concerning interest rates, repayment terms, and down payment requirements? a) SBA 504 Loans typically have higher interest rates and shorter repayment terms than conventional loans, but they offer significantly larger loan amounts without collateral. b) The main benefit of an SBA 504 Loan is the immediate access to cash for emergency business expenses, with no formal application process or credit checks required c) SBA 504 Loans often feature long repayment terms (up to 25 years for real estate), competitive fixed interest rates on the CDC portion, and lower down payment requirements (as little as 10%), preserving a business's working capital compared to conventional financing. d) Conventional financing always offers more flexible terms and lower overall costs than SBA 504 Loans due to fewer government regulations and faster approval times.

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Q&A Section: Your SBA Loan Questions Answered

Here are some common questions Indiana small business owners have about preparing financials and the SBA loan process:

Q1: How long does the SBA loan process typically take?

A1: The timeline can vary depending on the completeness of your application and the lender. With GHC Funding’s streamlined process and your well-prepared financials, it can range from 30 to 90 days from initial application to funding.

Q2: What can I use SBA loan funds for?

A2: SBA 7(a) loan funds are incredibly versatile. You can use them for working capital, equipment purchases, commercial real estate acquisition (buying or renovating), inventory, refinancing existing debt, and even acquiring an existing business.

Q3: Do I need perfect credit to qualify for an SBA loan?

A3: While a strong personal credit score (generally above 680) is beneficial, the SBA program is designed to be more flexible than traditional bank loans. Lenders like GHC Funding consider the overall health of your business, your business plan, and other mitigating factors. Don’t let a less-than-perfect credit score deter you from inquiring.

Q4: What if my business is relatively new? Can I still get an SBA loan?

A4: Yes, while established businesses often have an advantage, the SBA does support startups. You will need a very strong business plan, robust financial projections, and often more personal collateral or equity injection to demonstrate viability.

Q5: What’s the difference between an SBA 7(a) loan and an SBA 504 loan?

A5: The SBA 7(a) loan is highly flexible and can be used for a wide range of general business purposes, including working capital, equipment, and real estate. The SBA 504 loan is specifically designed for long-term fixed assets, such as purchasing or renovating commercial real estate, or acquiring major equipment. GHC Funding offers both options and can help you determine the best fit for your specific needs.

Q6: Are there any upfront costs associated with an SBA loan application?

A6: There are typically fees involved, such as the SBA guarantee fee (a percentage of the guaranteed portion of the loan), packaging fees, and closing costs. These can often be financed into the loan itself, reducing your immediate out-of-pocket expenses.

Q7: Can I refinance existing business debt with an SBA loan?

A7: Yes, SBA loans can be used to refinance existing business debt, especially if it leads to better terms, lower payments, or improved cash flow for your business.

Additional Resources for Indiana Small Businesses:

• SBA Indiana District Office: https://www.sba.gov/offices/district/in/indianapolis (Your direct link to local SBA support and resources.)
• SCORE Central Indiana Chapter: https://www.score.org/indianapolis (Free mentorship and business guidance from experienced professionals.)
• Indiana Small Business Development Center (ISBDC): https://isbdc.org/ (Offering expert business advising and training at no cost to help you start, grow, and innovate.)
• Indiana Chamber of Commerce: https://www.indianachamber.com/ (Advocating for Indiana businesses and providing valuable networking and resources.)
• Indiana Economic Development Corporation (IEDC): https://www.iedc.in.gov/ (Information on economic development initiatives and resources across the state.)

The Path Forward: Partner with GHC Funding

Preparing your financials for an SBA loan application can feel like a mountain to climb, but with the right guidance, it’s an achievable and rewarding endeavor. For small business owners in Indiana – from a manufacturing plant in Elkhart to a thriving vineyard in Bloomington – securing an SBA loan means unlocking potential, ensuring stability, and driving future growth.

Don’t let the complexities of financial documentation deter you from pursuing the capital your business deserves. GHC Funding is here to simplify the process, offering unparalleled expertise, personalized support, and a commitment to your success.

Ready to take the next step and secure your business’s financial future? Visit GHC Funding at www.ghcfunding.com or call us directly at 833-572-4327 for a complimentary consultation. Let us help you prepare your financials and navigate the path to a successful SBA loan.

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GHC Funding DSCR LOAN, SBA LOAN, BRIDGE LOAN

At GHC Funding, we are commercial finance specialists who guide real estate investors and business owners through the world of alternative lending. Our primary focus is on securing the right capital for your specific goals, whether that's a cash-flow-based DSCR loan for your rental portfolio, an SBA loan to grow your company, or a bridge loan to close a deal quickly and efficiently.

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