SBA qualifying standards are flexible with good personal and business credit histories and a demonstrated ability to make timely payments. In fact you can use personal assets and your personal guarantee* to help qualify.
Collateral
Loan-to-value
Real Estate
Up to 90%
Equipment
Up to 80%
Accounts Receivable & Inventory
Up to 70%
* Persons with 20% or more ownership will need to provide a personal guarantee.
"Bank of the Sierra has knowledgeable officers that are interested in small business. They listen to your dreams and provide the financing to realize them."