Sierra Marketing Inc helps business owners understand SBA loan requirements without confusion. In 2026, lenders look at credit, income, and business stability before approving loans.

What SBA Looks For

Business must be real and for profit

Must operate in the US

Must show need for funding

Owner must invest money

Clean loan history required

Credit Score Needed

650 minimum for most loans

680 preferred

620 possible for microloans

Income Expectations

No fixed number.

But DSCR must be 1.25 or higher.

This proves your business can repay the loan.

Common Rejection Reasons

Low credit

Weak cash flow

Missing paperwork

New business with no history

Steps to Approval

Check credit score

Calculate income strength

Prepare documents

Choose right lender

Best Loan Types

Microloan for small needs

7(a) for general use

Express for quick funding

504 for large investments

Business Age Factor

Most lenders want 2 years.

New businesses must rely on strong plans and personal backing.

Checklist

Good credit

Strong income

Stable business

Complete documents