It depends on their ownership percentage.
If your business has multiple owners, we'll need to account for enough of them to reach at least 81% of total ownership; that's an SBA requirement we're here to help you navigate.
Here's how it works:
20% or more ownership, we'll need their full information: credit pull, tax returns, and guarantor agreement
Under 20% ownership, just their name and ownership percentage, no credit pull needed
If you're the primary owner at 80% or less, we'll guide you through adding the other owners as you go. The application tracks your progress so you always know where you stand—no guesswork, no surprises.