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Prequalification: A business is deemed "Prequalified" only after a preliminary review of its apparent SBA eligibility and historical cash-flow ratios. Credit, collateral, and final approval remain subject to lender underwriting. This is not a commitment to lend. Credit and collateral are subject to lender approval. Terms and conditions apply. LoanBud is not affiliated with the SBA or any government agency. Programs, rates, terms, and conditions are subject to change without notice.