Quote Originally Posted by Olderguy View Post
Doesn't Hybridge require a 685 Fico? You can remove depreciation and officer's salaries to improve profitability for submission and underwriting. I've seen SBA loans down to 620 Fico with strong financials...but a 650 I really try and get the score up first.
The scores are actually scheduled to go up past 680. I figured that's what I would wait on, but wanted to get a few ideas in the meantime, as to where to take the app to once it gets to that point. & yes, I've done a few of those before.

Thanks