The five C's of credit for qualifying for a SBA loan are:

1. Character - Evaluation of personal credit worthiness.

2. Capital - Borrower's ability to contribute required equity injection and to have secondary repayment sources.

3. Capacity - Borrower's experience and qualifications.

4. Condition - Business viability as related to present and future economic circumstances.

5. Collateral - SBA is a cash flow lender. Collateral will be required when available. In the absence of collateral, cash flow and debt service are the primary factors.

For more information about Sterling Bank’s SBA Department, please contact:

Houston: 713-507-7218
Dallas: 214-678-8102
San Antonio: 210-277-3062