✅ In business 2+ years
✅ Have cash flow to support business
✅ Personal credit scores above 650 for business owners
✅ Business owners are U.S. citizens or legal permanent residents
❌ No Bankruptcies or foreclosures in the last 3 years
❌ No prior loan defaults on government-backed loans
❌ No using proceeds for unpaid taxes
❌ No outside tax liens