Maybe so with the bank you deal with, and I'll look into that source for sure, but be realistic...every broker that calls me with a denied SBA file, it's because their SBA bank denied the file. Typically requiring 51% O/O commerical property and no personal assets allowed. And yeah it varies but that the general situation. On the other hand, you're right too. And the damn guidelines are changing all the time....now many are requiring 1.1 assets for truckers due to defaults.