ValifyeSBA 7(a) Debt Trap Scanner
SBA loan readiness · interrogation
Question 1 of 5
Answer yes or no. Yes earns +20 points toward your local proof score.
Do you have exact Customer Acquisition Cost (CAC) data for your zip code?
High 2026 rates plus strict DSCR underwriting can destroy cash flow for new operators inside the first year. If your local proof is thin and debt coverage is modeled on optimistic assumptions, a buyer can be insolvent within 12 months.