Four quick steps to see how AmPac advisors review cash flow, credit, time in business, collateral, and document readiness. Calculate Debt Service Coverage Ratio (DSCR), build a scorecard, and move into advisor review, booking, or Secure Docs instead of a generic resource handoff.
Step 1 of 4 · Understand your capital path
What kind of capital supports your goal?
Choose your goal, then see the AmPac review path, trade-offs, document gaps, and next step before applying.
Why we ask: Use of proceeds decides the program. Long-term assets (buildings, heavy equipment) fit SBA 504; day-to-day needs and acquisitions fit 7(a) or Community Lending.
Why we ask: Loan size narrows the program — e.g. ≤$50K points to a Microloan, while real-estate projects can reach several million.
Why we ask: SBA 504 requires owner-occupancy (51%+ for an existing building, 60%+ for new construction). It confirms 504 eligibility.
Why we ask: Some programs (SBA Microloan, State Guarantee) are California-only. AmPac lends across CA, AZ, and NV.
Step 2 of 4 · The cash-flow test
Can your business cover the payments? (DSCR)
Lenders ask one core question: does your cash flow comfortably cover your debt payments? That's the Debt Service Coverage Ratio:
DSCR = Cash flow available for debt service ÷ Total annual debt payments.
SBA generally looks for 1.15 or higher. A 1.25 DSCR means you earn $1.25 for every $1.00 of debt payments — a comfortable cushion.
A. Build your cash flow (most recent full year)
Why add-backs? We start with net profit, then add back non-cash and discretionary items (depreciation, interest, owner pay) because that cash is actually available to make loan payments.
B. Your debt payments
Why we ask: Only debt that remains after this loan counts. Anything you're paying off with the new loan is excluded.
C. The new loan
Why we ask: We turn your requested amount, rate, and term into a monthly payment so the DSCR reflects the loan you actually want.
SBA often looks at global cash flow — your business plus the owners' personal finances combined. Helpful if the business is newer or cash flow is thin.
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Step 3 of 4 · Credit & eligibility
Do you meet AmPac's baseline criteria?
These are AmPac's starting requirements. Meeting them doesn't guarantee approval, and a single "no" doesn't automatically disqualify you — but answering honestly shows you exactly where you stand.
Why: AmPac looks for 660+. Enter the lowest score among any owner with 20%+.
Why: Expect 10–15% (10% for 504/seasoned, 15% for startups). Working-capital startups need 10% injected before approval.
Why: Operating history shows whether revenue is seasoned. Newer businesses may need stronger projections, more owner support, or global cash-flow context.
Why: Collateral helps define the risk picture. Real estate, equipment, receivables, contracts, and guarantor strength can all change what an advisor reviews.
Why: A clean packet speeds review. Advisors usually need tax returns, YTD P&L, bank statements, debt schedule, and use-of-funds notes before any application path.
Step 4 of 4 · Your scorecard
Your capital readiness scorecard
Here's how an advisor can start reading your file. Use it to understand the gaps, prepare the packet, and review the next step with AmPac before you apply.
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