{"type":"video","version":"1.0","html":"<iframe src=\"https://www.loom.com/embed/14e86e66428349469b0099ea94317aec\" frameborder=\"0\" width=\"1292\" height=\"969\" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>","height":969,"width":1292,"provider_name":"Loom","provider_url":"https://www.loom.com","thumbnail_height":969,"thumbnail_width":1292,"thumbnail_url":"https://cdn.loom.com/sessions/thumbnails/14e86e66428349469b0099ea94317aec-626d83a538113704.gif","duration":1411.904,"title":"How Lenders Review Your Business Finances","description":"This Loom explains how lenders evaluate small business loan readiness and how viewers can check the same numbers before applying. It focuses on five key metrics: DSCR (debt service coverage ratio), DTI (personal debt to income, with lenders uncomfortable above 43 percent), global cash flow combining business and personal finances, credit tier (often SBA targets around 680 and up, sometimes 700 plus), and time in business (about two years for traditional lenders). The speaker demonstrates a Business Loan Readiness spreadsheet with inputs for business financials, personal monthly debt, credit score type, and loan assumptions, then uses dashboard flags and a max loan calculator to show potential borrowing capacity. The key mindset shift is that amber or red flags are early information so you can apply with clarity rather than hope."}