A program of the Maryland SBDC Network  |  Supported by the U.S. Treasury SSBCI program

70of 100

Nearly Ready

You’re close. A few items stand between you and a strong application.

Cash flow

69%

Equity & liquidity

58%

Credit

68%

Collateral

75%

Viability & documents

78%

What stands between you and a lender

Each item below comes with a no-cost MBOC service that closes it.

Your books aren’t in lender-ready shape.

Let us hire a bookkeeping specialist for you — at no cost — to reconcile your books and produce clean financial statements.

You don’t have lender-ready projections or a capital request.

Let us hire a financial advisor for you — at no cost — to build 3–5 year projections and package your request.

Your cash flow is thin for the debt you’d be taking on.

At no cost, a sales strategist will help you strengthen and steady your revenue.

You’re short of the 10% equity injection lenders expect.

MBOC will show you how a 401(k) rollover (ROBS) can fund it — with a no-cost introduction to a specialist.

What you already have going for you

✓Your business is registered and in good standing.
✓Your personal credit is in lender-ready range.
✓Your cash flow can comfortably cover a loan payment.
✓Your core financial documents are ready.
✓You have collateral to support a loan.

Where your capital is most likely to come from

You’re close. Strong fits right now: an SBA 7(a) Small Loan, Community Advantage, or an SSBCI-supported loan.

Maryland options: Lendistry (SSBCI), MCE, LEDC, and CDC/Momentum for Community Advantage.

Your no-cost support team

Your regional Maryland SBDC — Corridor Region serves Howard County businesses. You’d work with a consultant dedicated to your area, at no cost.
Women’s Business Center (WBC) — training and capital-readiness for women founders.
MBDA Business Center — capital access and contracts for minority-owned firms.

Book your no-cost session with an MBOC advisor

Bring this report. Your advisor will build the plan around the gaps above.

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