Glossary · Reading the business
Global cash flow
In short
This is the combined cash flow from the business you're buying and your personal income and debts. Lenders use it to assess your total capacity to repay all outstanding obligations, including your new SBA loan.
What it means in a deal
Your SBA lender will look at the business's projected cash flow alongside your personal income from all sources and all outstanding personal and business debts. Ensure you provide accurate personal financial statements and tax returns. This comprehensive view determines if you meet the loan's overall repayment capacity requirements.
Official sources
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Related terms
Common questions about Global cash flow
- When underwriting a 7(a) loan, how does a lender ensure that personal resources of the principals are properly considered in the global cash flow analysis?
- Can future cash flow or profits from the acquired business count as equity injection?
- How can an SBA 7(a) loan help with ongoing cash flow for my business?
- What is the primary factor a lender considers when evaluating the cash flow from an acquired business?
- Are there any restrictions on the use of cash flow projections for an SBA 7(a) acquisition loan?
- Can I use an SBA 7(a) loan for my business's daily operating expenses or cash flow?
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.
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