Add-Backs to Cash Flow for SBA Loans

When it comes to SBA lending, not all add-backs are created equal.

In this webinar, Heather Endresen pulls back the curtain on how lenders really evaluate adjustments and what actually makes it into the SDE or EBITDA number they’re willing to lend against.

We cover:

• What SBA lenders actually allow as add-backs
• The difference between defensible and fantasy adjustments
• How add-backs impact DSCR and loan sizing
• The red flags that trigger underwriter skepticism

You’ll leave with a clearer understanding of how lenders think, how risk is assessed, and how to present cash flow in a way that stands up to scrutiny.