Lender intelligence

Most active SBA lenders in Maryland

Industry:

Maryland has 21 FDIC-insured banks, but only a fraction fund business purchases. These 25 banks closed 1,103 SBA 7(a) loans in Maryland in the last 12 months. A lender funding deals here every week knows the local market and moves faster — start at the top.

Deal economics— what it takes to buy & finance Maryland acquisitions

$700K

Typical loan

range $300K–$1.52M

$778K

Est. purchase price

≈ loan ÷ 90%

$104,028

Cash to close

$77,778 down + fees

$9,058/mo

Typical payment

~9.5% · 10yr

$125,000/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

98.6%

Still performing

1.4% default · FY20–23

21 days

Typical time to fund

Lenders competing

more = leverage

8.21%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

1.1,927 loans · $207M · Buffalo, NYFull record →
2.3 loans · $2M · Minneapolis, MNFull record →
3.3,264 loans · $846M · Miami, FLFull record →
4.1,322 loans · $185M · Wilmington, DEFull record →
5.2,539 loans · $965M · Columbus, OHFull record →
6.1,025 loans · $292M · Berkeley Heights, NJFull record →
7.868 loans · $362M · Salt Lake City, UTFull record →
8.1,296 loans · $1.4B · Wilmington, NCFull record →
9.575 loans · $220M · De Graff, OHFull record →
10.741 loans · $149M · Northbrook, ILFull record →
11.291 loans · $320M · Laguna Hills, CAFull record →
12.65 loans · $52M · Lancaster, PAFull record →
13.139 loans · $102M · Los Angeles, CAFull record →
14.499 loans · $106M · Los Angeles, CAFull record →
15.318 loans · $229M · Osage Beach, MOFull record →
16.168 loans · $205M · Fishers, INFull record →
17.20 loans · $8M · Saint Petersburg, FLFull record →
18.32 loans · $21M · Souderton, PAFull record →
19.105 loans · $72M · Wilmington, DEFull record →
20.52 loans · $50M · Rockville, MDFull record →
21.38 loans · $26M · Richmond City, VAFull record →
22.95 loans · $67M · New York, NYFull record →
23.128 loans · $40M · Wilmington, DEFull record →
24.38 loans · $43M · Mclean, VAFull record →
25.54 loans · $64M · Los Angeles, CAFull record →

524+ funded Maryland deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

NextCourt Holdings, LLC in Boyds, MD — $4.3M (2026) · purchase · Grasshopper Bank National Association
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.2M (75%)
Approved
2/20/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$4.8M
Est. down payment (10%)
$480K
Est. cash at closing
$664K
Monthly payment
$35,517
Annual debt service
$426K
Cash flow needed (1.25×)
$533K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Grasshopper Bank National Association · Lender record →
Your business? Claim this record · Request removal
Native American Technology Corporation in Walkersville, MD — $3.7M (2026) · purchase · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.8M (75%)
Approval → funding
39 days
Approved
11/14/2025
First disbursed
12/23/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
60
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$4.2M
Est. down payment (10%)
$415K
Est. cash at closing
$574K
Monthly payment
$48,369
Annual debt service
$580K
Cash flow needed (1.25×)
$726K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
HERITAGE FACILITY SERVICES INC. in Stevensville, MD — $3.1M (2026) · purchase · Quaint Oak Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.3M (75%)
Approval → funding
8 days
Approved
1/8/2026
First disbursed
1/16/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
130
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$3.4M
Est. down payment (10%)
$344K
Est. cash at closing
$476K
Monthly payment
$38,436
Annual debt service
$461K
Cash flow needed (1.25×)
$577K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Quaint Oak Bank · Lender record →
Your business? Claim this record · Request removal
Family Wash Day in Baltimore, MD — $2.8M (2026) · purchase · Hanmi Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
22 days
Approved
1/27/2026
First disbursed
2/18/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
Change of Ownership
Industry
Drycleaning and Laundry Services (except Coin-Operated)
If you were the buyer here
Est. deal size
$3.1M
Est. down payment (10%)
$309K
Est. cash at closing
$426K
Monthly payment
$20,998
Annual debt service
$252K
Cash flow needed (1.25×)
$315K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Hanmi Bank · Lender record →
Your business? Claim this record · Request removal
Zerodraft Maryland, LLC in Lutherville Timonium, MD — $2.7M (2026) · purchase · Manufacturers and Traders Trust Company
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.0M (75%)
Approval → funding
31 days
Approved
12/16/2025
First disbursed
1/16/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$3.0M
Est. down payment (10%)
$300K
Est. cash at closing
$414K
Monthly payment
$34,202
Annual debt service
$410K
Cash flow needed (1.25×)
$513K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
Sparkle Wash 5506, Inc. in Hyattsville, MD — $2.7M (2026) · purchase · Hanmi Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
306 months
SBA guaranteed
$2.0M (75%)
Approved
3/31/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$3.0M
Est. down payment (10%)
$297K
Est. cash at closing
$409K
Monthly payment
$20,039
Annual debt service
$240K
Cash flow needed (1.25×)
$301K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Hanmi Bank · Lender record →
Your business? Claim this record · Request removal
Oak Hill Print & Graphics, LLC in Hagerstown, MD — $2.6M (2026) · purchase · Fifth Third Bank
Program
Preferred Lenders Program
Rate at approval
9% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$2.0M (75%)
Approved
1/28/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Commercial Printing (except Screen and Books)
If you were the buyer here
Est. deal size
$2.9M
Est. down payment (10%)
$291K
Est. cash at closing
$402K
Monthly payment
$33,202
Annual debt service
$398K
Cash flow needed (1.25×)
$498K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
Cardinal Novelty LLC in Rosedale, MD — $2.6M (2026) · purchase · LendingClub Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.0M (75%)
Approval → funding
11 days
Approved
11/13/2025
First disbursed
11/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
40
Business age
Change of Ownership
Industry
All Other Plastics Product Manufacturing
If you were the buyer here
Est. deal size
$2.9M
Est. down payment (10%)
$289K
Est. cash at closing
$399K
Monthly payment
$31,902
Annual debt service
$383K
Cash flow needed (1.25×)
$479K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by LendingClub Bank, National Association · Lender record →
Your business? Claim this record · Request removal
RYU INDUSTRIAL LLC in Baltimore, MD — $2.4M (2026) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.8M (75%)
Approved
2/23/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Remediation Services
If you were the buyer here
Est. deal size
$2.6M
Est. down payment (10%)
$261K
Est. cash at closing
$360K
Monthly payment
$30,113
Annual debt service
$361K
Cash flow needed (1.25×)
$452K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
GMP31, LLC in Leonardtown, MD — $2.1M (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.33% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$1.6M (75%)
Approval → funding
7 days
Approved
12/12/2025
First disbursed
12/19/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$233K
Est. cash at closing
$320K
Monthly payment
$16,614
Annual debt service
$199K
Cash flow needed (1.25×)
$249K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
6625 GROVE AVE LLC in Windsor Mill, MD — $1.8M (2026) · purchase · Stone Bank
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
126 months
SBA guaranteed
$1.4M (75%)
Approved
3/3/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Car Washes
If you were the buyer here
Est. deal size
$2.0M
Est. down payment (10%)
$205K
Est. cash at closing
$282K
Monthly payment
$21,690
Annual debt service
$260K
Cash flow needed (1.25×)
$325K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Stone Bank · Lender record →
Your business? Claim this record · Request removal
Budget Blinds of Annapolis South in Annapolis, MD — $1.6M (2026) · purchase · Mission Valley Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
49 days
Approved
11/20/2025
First disbursed
1/8/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Change of Ownership
Industry
All Other Specialty Trade Contractors
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$183K
Est. cash at closing
$252K
Monthly payment
$21,322
Annual debt service
$256K
Cash flow needed (1.25×)
$320K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Mission Valley Bank · Lender record →
Your business? Claim this record · Request removal
Sambi LLC in North Bethesda, MD — $1.5M (2026) · purchase · First Internet Bank of Indiana
Program
International Trade Loans
Subprogram
International Trade - Sec, 7(a
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (90%)
Approval → funding
40 days
Approved
11/19/2025
First disbursed
12/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Electronics and Appliance Retailers
If you were the buyer here
Est. deal size
$1.7M
Est. down payment (10%)
$167K
Est. cash at closing
$229K
Monthly payment
$19,410
Annual debt service
$233K
Cash flow needed (1.25×)
$291K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Bolder Food and Drink in Mount Airy, MD — $1.4M (2026) · purchase · Centerstone SBA Lending, Inc.
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.1M (75%)
Approved
12/15/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
28
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$157K
Est. cash at closing
$215K
Monthly payment
$11,117
Annual debt service
$133K
Cash flow needed (1.25×)
$167K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Centerstone SBA Lending, Inc. · Lender record →
Your business? Claim this record · Request removal
Holland-Thomas Enterprises, LLC in Elkridge, MD — $1.4M (2026) · purchase · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
25 days
Approved
12/15/2025
First disbursed
1/9/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Freight Transportation Arrangement
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$154K
Est. cash at closing
$211K
Monthly payment
$17,896
Annual debt service
$215K
Cash flow needed (1.25×)
$268K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
Condominium Venture Inc in Columbia, MD — $1.3M (2026) · purchase · Coastal States Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$986K (75%)
Approval → funding
22 days
Approved
1/28/2026
First disbursed
2/19/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
29
Business age
Change of Ownership
Industry
Residential Property Managers
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$146K
Est. cash at closing
$200K
Monthly payment
$16,480
Annual debt service
$198K
Cash flow needed (1.25×)
$247K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Coastal States Bank · Lender record →
Your business? Claim this record · Request removal
Grafik Industries LTD in Gaithersburg, MD — $1.2M (2026) · purchase · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$934K (75%)
Approved
1/27/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Change of Ownership
Industry
Graphic Design Services
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$138K
Est. cash at closing
$190K
Monthly payment
$15,940
Annual debt service
$191K
Cash flow needed (1.25×)
$239K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Pathward National Association · Lender record →
Your business? Claim this record · Request removal
MSC Security LLC in Hunt Valley, MD — $1.2M (2026) · purchase · Fulton Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$920K (75%)
Approval → funding
29 days
Approved
1/28/2026
First disbursed
2/26/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
285
Business age
Change of Ownership
Industry
Security Guards and Patrol Services
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$136K
Est. cash at closing
$187K
Monthly payment
$15,706
Annual debt service
$188K
Cash flow needed (1.25×)
$236K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Fulton Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Bondbridge Capital LLC in Silver Spring, MD — $1.2M (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$920K (75%)
Approved
1/22/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$136K
Est. cash at closing
$187K
Monthly payment
$15,207
Annual debt service
$182K
Cash flow needed (1.25×)
$228K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
GREENFORK BOWIE LLC in Bowie, MD — $1.2M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$917K (75%)
Approval → funding
63 days
Approved
11/19/2025
First disbursed
1/21/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
40
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$136K
Est. cash at closing
$186K
Monthly payment
$14,826
Annual debt service
$178K
Cash flow needed (1.25×)
$222K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal

Buying in Maryland? Start with a lender that already funds deals here

The rankings above are the short list. Tell us your deal size and industry and we'll point you to the banks most likely to say yes in your market.

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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.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA lending records, trailing 12 months. Rankings count funded 7(a) loans with a Maryland project address.

Agent summary

The SBA 7(a) lenders most active in Maryland over the trailing 12 months, from public loan records, led by Manufacturers and Traders Trust Company. A lender that funds deals here every week underwrites faster and knows the local market. CapBench is not a lender.

25 active SBA lenders ranked
1,103 Maryland loans (12 mo)
$700K typical acquisition loan
21 days typical to fund

Buyers buying in Maryland typically pre-qualify, then ask CapBench to introduce a lender already closing deals here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/state/maryland
API:: https://www.capbench.com/api/public/lenders?state=MD
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.