YENRA SMALL BUSINESS FUNDING BRIEF
Reviewed October 6, 2026 | United States | Amounts in US dollars
Guide: https://yenra.com/government-small-business-loans/

Purpose: Define a project and prepare a lender conversation. This is a planning
record, not a loan application or indication of approval. Save privately.
Omit tax IDs, account numbers and passwords. Send sensitive supporting records
only through a verified lender's secure process.

BUSINESS AND PROJECT
Business name / activity / location:
Project purpose and expected operational benefit:
Target funding date and project start:
Current stage (planning, quotations, ready to proceed):

USES AND SOURCES OF FUNDS
Item / amount ($) / quotation or estimate source / timing:
Equipment:
Inventory:
Operating cash:
Other eligible project costs (describe):
Total uses ($):
Owner contribution ($):
Other committed funding ($):
Requested borrowing = uses - owner contribution - other committed funding ($):
Allow for taxes, installation, fees and timing where applicable.
Avoid counting the same expense or funding source twice.

FICTIONAL PROJECT EXAMPLE
$35,000 equipment + $15,000 inventory + $10,000 operating cash = $60,000.
Less $10,000 owner contribution = $50,000 proposed borrowing.
This is within the microloan ceiling, but eligibility and approval still need
an intermediary's review. 504 excludes working capital and inventory.

PROGRAM DISCUSSION
7(a): multiple eligible business uses; discuss with participating lender.
504: major fixed assets; discuss with a Certified Development Company.
Microloan: up to $50,000; discuss with an approved intermediary.
Program to explore and why:
Eligibility questions (ownership, size, location, industry, use, repayment):
Documents lender requested / date / status:

MONTHLY CASH SCENARIO (duplicate for each relevant month)
Customer cash collections ($):
Operating outflows, taxes and planned owner withdrawals ($):
Existing debt payments ($):
Cash remaining before proposed new payment ($):
Proposed new payment ($):
Cash remaining after payment ($):
Slower-sales or delayed-collections assumption:
Revised remaining cash ($):
Action available if shortfall repeats:

FICTIONAL CASH EXAMPLE
$20,000 collections - $16,000 planned outflows - $1,200 new payment = $2,800.
If collections fall 10% to $18,000 and other outflows stay fixed:
$18,000 - $16,000 - $1,200 = $800 remaining.
This is cash planning, not an underwriting ratio or accounting profit.
Check that outflows include all actual obligations.

WRITTEN OFFER CHECK
Lender / verified contact / offer date:
Principal and net funds available ($):
Interest rate, fixed or variable basis and adjustment rules:
Term, payment schedule and final or balloon payment:
Upfront, financed and ongoing fees:
Owner contribution / collateral / personal guarantees:
Prepayment terms / reporting duties / disbursement conditions:
For 504: distinguish SBA component, other financing and owner contribution.
Unresolved questions / response / next action and date:

Official program sources (check current terms):
https://www.sba.gov/loans/7a-loans/
https://www.sba.gov/loans/504-loans/
https://www.sba.gov/loans/microloans/
https://www.sba.gov/loans/lender-match/
Lender Match is a connection tool, not a loan application or guarantee.