What do you want to refinance?Choose the closest match Merchant cash advance or other sales-based agreement Factoring agreement Debt owed to an SBIC or a New Markets Venture Capital company Term loan from a bank, online lender or other creditor Revolving line of credit Demand note or balloon debt Business credit card balance Home equity line used for the business Seller note from buying a business Other debt used to buy a business Existing SBA 7(a) loan Existing SBA Express loan, same lender, before amortizing payments begin Existing SBA 504 loan Vendor bills or trade payables Past-due taxes Money the business owes an owner, officer or other associate Debt owed to a broker, packager or referral agent involved in this loan Personal debt not used for the business Other debt on the business's books Which SBA program?Choose one SBA Express or 7(a) Small Standard 7(a), more than $350,000 MARC (manufacturers' revolving credit) Working Capital CAPLine Contract, Seasonal or Builders CAPLine Export Express Export Working Capital International Trade SBA 504 Not sure yet Has the original agreement been converted to a term loan?Choose one Yes No, it is still active Not sure Has it amortized as a term loan for at least 24 months?Choose one Yes No Not sure Have any new advances or agreements been put in place since the conversion?Choose one No Yes Not sure Why do you want to refinance the line?Choose one The lender is unwilling or unable to renew it To get a lower rate or a longer term Some other reason Not sure Can you certify the balance was used only for business expenses and no ineligible purpose?Choose one Yes No Not sure Can you certify the amount being refinanced was used only for the business?Choose one Yes No Not sure Has the note been in place and current for at least 36 months?Choose one Yes No Not sure Who holds the existing 7(a) loan?Choose one Another lender The same lender that would make the new loan Not sure What would be refinanced?Choose one Both the third party loan and the 504 loan The third party loan is paid in full and the 504 is part of a larger expansion or renovation Only the third party loan Not sure What kind of tax is past due?Choose one Payroll, sales or other taxes collected and held in trust Business income tax, with an approved IRS payment arrangement I am current on Business income tax, with no IRS arrangement Not sure Is the debt on the business balance sheet, and does the business tax return show its interest expense? Sole proprietors use Schedule C.Choose one Yes No Not sure Was the original purpose of this debt working capital?Choose one Yes No Not sure Is this short-term revolving debt that will be terminated when the CAPLine pays it off?Choose one Yes No Not sure
Has every payment in the last 12 months, or the debt's life if shorter, been made within 29 days of its due date?Choose one Yes No Not sure Is the creditor taking a loss on this payoff, such as accepting less than the full balance?Choose one No Yes Not sure
Does the lender making the new loan already hold this debt?Choose one No Yes Not sure Was the debt originally taken for something SBA does not finance?An ineligible business type or a barred use of proceeds, for example. Choose one No Yes Not sure
Total monthly payment on the debts being refinancedConvert daily or weekly debits to a month. Debts paid off in the same loan may be combined. Expected new monthly paymentLeave blank if you do not know it yet.
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