Primary care practice, 1 physician + 3 staff · San Diego, CA · 12 months
San Diego Medical Practice Reached SBA Funding Readiness in 12 Months
Combined business credit stack with bank statement optimization to clear SBA 7(a) approval at $420K.
Business credit limits
$0$67,000
SBA funding
$0$420,000
Challenge
Practice had been running 18 months but had not built business credit. Needed SBA financing for a second location.
Approach
- 01Completed Tier 1-3 stack in months 1-6.
- 02Optimized business bank statements: cleared NSFs, raised average daily balance.
- 03Compiled SBA package: 2 years tax returns, P&L, balance sheet, projections, debt schedule.
- 04Coached on lender selection — matched to an SBA preferred lender specializing in healthcare.
Outcome
SBA 7(a) approved for $420,000 at SBA prime + 2.25%. Second location opened 4 months after approval.
FAQs
What credit score do you need for SBA?
Most SBA preferred lenders look for 680+ personal FICO, though some go as low as 650 with strong financials.
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