[Olderguy]

if it cash flows.

And passes credit committee.

You can also get a micro loan up to $50,000 and it's for start ups.

https://www.sba.gov/partners/lenders/microloan-program

[Incbiz440]

if it cash flows.

And passes credit committee.

The bank/lender that is taking a loan for a business with less than half a million in revenue to loan committee would have to be extremely small. The only places I've ever seen anything in that ballpark hit any sort of committee were local economic development funds or small SBA microlenders; maybe a credit union or community bank. Override and approval on something that is likely sub-$250 and probably much less than that is going to land with a department manager.