Frequently Asked Questions

37. What kinds of things do lenders consider when making small business loans?

When making a decision on a small business loan request, lenders consider a variety of factors such as cash (equity), amount of loan request, collateral, credit, business plan, repayment ability, and project feasibility. Each of these factors is important and can influence the loan decision.

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The Arkansas Small Business Development Center is funded in part through a cooperative agreement with the U.S. Small Business Administration through a partnership with the University of Arkansas at Little Rock College of Business and other institutions of higher education. All opinions, conclusions or recommendations expressed are those of the author(s) and do not necessarily reflect the views of the SBA. It is the goal of UALR to eliminate discriminatory harassment and to promote equal opportunity regardless of race, gender, color, national origin, sexual orientation, age, religion, veteran’s status, or disability.