You can also provide the SBA with your own personal guarantee. In doing so, the SBA can be certain that you will be held accountable for loan repayment. In fact, the SBA has a 7(a) loan program that just requires the borrower to show proof of positive cash flow for debt service and acquisition price. If accepted to this program, the SBA will guarantee 75 percent of any loss on the loan to the lender. Alternative Lenders Although many alternative lenders do require a personal guarantee of cash flow, they do not necessarily require collateral. Kabbage is a great example of this.
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