Glossary · Reading the business
Creditworthiness
In short
Your ability and willingness to repay debt, as judged by lenders based on your financial history and current situation. It's a key factor in getting approved for any loan.
What it means in a deal
Lenders assess your creditworthiness through your personal FICO score, credit report, and the financial health of the business you're acquiring. A strong profile, demonstrating a history of responsible debt management and sufficient cash flow, is crucial for securing a 7(a) loan.
Related terms
Defined by CapBench SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
Pressure-test the numbers before you make an offer
Send us the asking price and the seller's cash flow — we'll show whether the deal services SBA debt and where the add-backs are likely to hold up.
Free · No documents · Usually same-day
Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.