SBA Financing
Coming soon
SBA Loan Requirements: What Participating Lenders Look For
Eligibility basics, documentation, credit and equity expectations across the 7(a), 504 and Microloan programs.
8 min readSBA Loan Preparation
Resources
Business financing resources
Practical guidance on how commercial financing is prepared, evaluated and documented — written for business owners rather than for lenders.
Resource categories
SBA Financing
How SBA programs work and what participating lenders expect.
1 guides
Business Plans & Projections
What belongs in a lender-ready plan and financial model.
2 guides
Financing Types
Comparing equipment, real estate, working capital and other structures.
3 guides
Getting Started
Preparation basics for owners approaching capital for the first time.
2 guides
SBA Financing
Business Plans & Projections
Business Plans & Projections
Coming soon
Business Plan Requirements for Bank Financing
The sections a commercial lender actually reads, and the inconsistencies that trigger underwriting questions.
7 min readPlans for Bank Financing
Business Plans & Projections
Coming soon
Financial Projections for a Loan: Building Assumptions That Hold Up
How to model revenue from capacity, document costs, and calculate debt service coverage before the lender does.
8 min readFinancial Projections
Financing Types
Financing Types
Coming soon
How to Finance a Franchise: A Preparation Guide
From the FDD and total project cost to the lender package a first-time franchisee needs to assemble.
9 min readFranchise Financing
Financing Types
Coming soon
Equipment Financing vs. Leasing: Choosing a Structure
Ownership, cash flow, end-of-term options and total cost — how to compare an equipment loan against a lease.
6 min readEquipment Financing
Financing Types
Coming soon
Commercial Real Estate Financing Basics for Business Owners
Owner-occupied versus investment property, appraisal and environmental steps, and realistic transaction timelines.
9 min readCommercial Real Estate Financing
Getting Started
Getting Started
Coming soon
How Much Down Payment Is Needed for Business Financing?
Why equity injection matters, how requirements differ by transaction type, and what sources lenders accept.
6 min readBusiness Financing
Getting Started
Coming soon
Startup Financing: What a New Business Needs Before Applying
Plan, projections, equity injection and experience — the four things nearly every startup lender evaluates.
7 min readStartup Financing
Not sure which guide applies to your situation?
Tell us what you are trying to finance and we will point you to the right preparation path — or tell you honestly if the timing is wrong.
OCS is an advisory firm. Financing is subject to third-party lender approval and program eligibility.