Which best describes the business?Choose the closest match An operating for-profit business not listed below (a restaurant, trade, store, clinic or manufacturer) Barber shop, hair salon, nail salon or similar personal service Service that needs a professional license (a med spa, for example) Rents or leases equipment, household goods or other items Operates a cell tower, solar panels, a billboard or a wind turbine Bank, credit union, finance company or factoring company Investment company, bail bond company or other business whose stock in trade is money Pawn shop Business that finances its own customers' purchases Mortgage company Check cashing business Fee-based financial advisor Life insurance company Independent insurance agency Loan packager or Lender Service Provider Nonprofit organization For-profit subsidiary of a nonprofit Owned by a government or political subdivision A Native American tribe itself Business owned in whole or in part by a Native American tribe Owns property and leases it to others (landlord or developer that does not use the space) Company that owns property and leases it to my own operating company Subdivides land into lots and develops it for resale Apartment building or mobile home park Shopping center, office suites, salon suites, ghost kitchen or similar space rented to independent businesses Leases land for a cell tower, solar panels, a billboard or a wind turbine EV charging station or other stand-alone asset run on a passive basis Nursing home, assisted living or similar residential care facility Hotel, motel, RV park, marina, campground or short-term rental Cleaning or similar service where I rely on a middle-level operator and do not own the customer contracts Casino, racetrack, skill games or other business whose purpose is gambling A business with some lottery, gaming-machine or other legal gambling income Grows, produces, processes, distributes or sells marijuana products Sells devices primarily intended or marketed for marijuana use Grows, produces, processes, distributes or sells hemp products Makes or sells CBD products Any activity that is illegal under federal, state or local law Private club or business that limits memberships for reasons other than capacity Men-only or women-only business, such as a health club Fitness center that markets to one gender but admits both Hires only one gender, or otherwise has discriminatory hiring practices Pyramid or multilevel sales plan Adult entertainment, or products or services of a prurient sexual nature Political or lobbying business Oil wildcatting, trading securities or commodities, mining gold or silver outside established fields, research and development, or homes built for future sale Commodity contracts to lock in a price, oil drilling in established fields, or a home built for an identified buyer Located outside the United States Not listed here, or not sure Did more than 50% of last year's revenue come from merchandise sales rather than loan interest?Choose one Yes No Not sure Is less than 50% of your revenue from financing those sales?Choose one Yes, less than 50% No, 50% or more Not sure What does the mortgage company mainly do?Choose one Services loans Sells its loans within 14 calendar days of closing Makes loans and holds them in its own portfolio Not sure Does more than 50% of your revenue come from the service of cashing checks?Choose one Yes No Not sure Does more than one third of your gross annual revenue come from packaging SBA loans?Choose one Yes No Not sure If the nonprofit parent owns 20% or more, will it guarantee the loan?Choose one It owns less than 20% It owns 20% or more and will guarantee It owns 20% or more and will not guarantee Not sure How does the business earn its revenue?Choose one Membership dues only, no assigned space, and I supply upkeep and equipment Rent, assigned space, or a mix of rent and dues Not sure Is it licensed as a nursing home, assisted living facility or state equivalent, and does it provide healthcare or medical services?Choose one Yes, both No Not sure Did more than 50% of last year's revenue come from guests staying 30 days or less? A start-up uses its projections.Choose one Yes No Not sure Did more than one third of last year's gross revenue, including rental income, come from legal gambling?Choose one Yes No, one third or less Not sure Which describes the business?Choose one It presents live or recorded performances of this kind More than 5% of gross revenue comes from such products or services 5% or less of gross revenue comes from such products or services Not sure Did more than 50% of gross annual revenue come from political or lobbying activities?Choose one Yes No Not sure
Is the business located in the United States or its territories or possessions?Choose one Yes No Not sure Is the business small under SBA size standards, counting affiliates?The Am I small? tool on this site can tell you. Choose one Yes No Not sure
Are all direct and indirect owners and required guarantors U.S. citizens or U.S. nationals whose principal residence is in the United States?Choose one Yes No Not sure Is any owner of more than 20%, officer, director or key employee in prison, under indictment, or on parole or probation?Choose one No In prison or serving a sentence Under indictment for a felony or a crime of financial misconduct or false statement On parole or probation Not sure
Has the business, an owner, or another business they owned or controlled defaulted on a federal loan and caused the government a loss?A settlement for less than the full amount counts as a loss. Choose one No Yes, and it has not been fully satisfied Yes, and it has been fully satisfied Not sure Does the business or any guarantor owe a non-tax federal debt that is more than 90 days past due?This includes debts owed by an individual guarantor. Choose one No Yes Past due, but covered by a compromise, cure, repayment agreement, bankruptcy or appeal Not sure
If the business has an existing SBA 7(a) or 504 loan, is it current?Choose one No existing SBA loan Yes, it is current No, it is not current Not sure Is this a franchise or a brand license?Choose one No Yes, and the brand is on the SBA Franchise Directory Yes, and the brand is not on the Directory Not sure
Does a management company run the business?Choose one No Yes, but the owner approves the budget and large spending, controls the bank accounts and oversees employees Yes, and the manager has sole discretion over operations Not sure Does the SBA lender, or an associate of the lender, own part of the business?Choose one No Yes The lender is an SBLC and an associated SBIC financed the business Not sure
Is the business located in the Coastal Barrier Resource System?Choose one No Yes Not sure
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