The Buyer Question Answered
What does historical financing activity suggest about how I should prepare and sequence lender outreach?
Report Modules
Financing Comparables
Historical cohort metrics with dataset period and match limits.
Active Lender Matches
Historically active lenders; current appetite and approval remain unverified.
Financing Concentration
Derived lender-share analysis from the selected cohort.
Government Support History
Historical SBA and corroborated federal-award context.
Data Sources Used
- SBA 7(a) and 504 FOIA loan records
- USAspending federal award history
- Buyer-entered deal and financing assumptions
Inputs Required
- Target NAICS and location
- Asking price and business type
- Desired loan amount, down payment, rate and term
Analysis Performed
- Build a reproducible cohort by NAICS, geography, amount, period and program
- Summarize lender activity and concentration
- Compare annual debt service with seller-stated or document-supported earnings
Example Findings
- A sufficiently matched cohort shows the median and range of historical loan amounts.
- A small number of lenders account for most cohort activity, so outreach may need to extend beyond the apparent leaders.
- Indicative DSCR changes materially when document-supported SDE replaces seller-stated SDE.
Decisions Affected
- Lender outreach order
- Financing structure and equity contribution
- Working-capital reserve
- Financing contingency and evidence requests
Coverage Limitations
- Historical SBA records do not predict approval, valuation, underwriting acceptance or default.
- Lender matches describe historical activity, not current credit appetite or an endorsement.
- Weak or poorly matched cohorts are suppressed.
Evidence Ledger
Every cohort, calculation and lender observation carries its source version, retrieval date, inputs, formula, confidence and limitation inside the report Evidence Ledger.
The Evidence Ledger is the verification layer inside this report—not a sixth report or separate product. It records the claim, evidence, source URL, source version, retrieval date, calculation inputs, confidence and limitations.
| Update frequency | SBA snapshots refresh through the scheduled versioned import process; live reports retain the exact source version used. |
|---|---|
| Product tier availability | DealProof — available when a current SBA dataset version and adequate cohort are present. DealScreen includes illustrative deal math, not the complete dataset result. |
| Sample report | View the DealProof sample |
Related Buyer Guides
Next step
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Use the report to prepare questions and outreach; it is not a lending decision.
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