Business loans, explained by someone who made the decisions
Everything a lender will ask you, before they ask.
Most of what is written about business lending is written to collect your contact details. These guides are written to answer the question. What the rules actually are, what the documents are for, and how the numbers get read on the other side of the desk.
Free. About three minutes. No credit pull.
How lenders calculate DSCR, and what number you actually need
Debt service coverage decides more business loans than credit does. Here is the arithmetic a lender runs, worked through, and the range to aim for.
SBA loan requirements in 2026: what is a rule, and what is just what lenders want
What the SBA actually requires for a 7(a) loan in 2026, what is lender credit policy dressed up as a rule, and which of the two you can still change.
The business loan documents checklist, in the order a bank asks for them
The seven documents a bank asks for on a business loan, in the order it asks, what each one is really used for, and the mistake that costs the most time.
Best small business loans: how to choose before you shop
Skip lender trophy lists. Learn how to pick the best small business loan for your cash flow, credit, and package readiness before you shop.
Zero2Ten LLC provides software and educational tools for small business owners preparing for financing. Zero2Ten is not a lender, does not broker loans, does not make credit decisions, and does not guarantee loan approval or terms. Lendability results are educational estimates based on information you provide and are not loan offers, credit decisions, or pre-approvals. Any lender introduction is at your request and lenders make independent decisions under their own criteria.