Medro Updates

A Four-Part Framework for Comparing Financing Proposals

By Don McClain

SBA’s 7(a) guidance includes working capital, equipment and ownership changes among permitted uses. Its 504 overview covers eligible major fixed assets and excludes working capital and inventory.

For owners comparing financing, those differences are a starting point. Medro Advisors recommends a four-part priorities matrix: cash commitment, asset access, future transactions and administrative capacity. Rank the categories against the owner’s actual plan, ask consistent questions of each provider, and flag unresolved terms rather than assuming favorable treatment.

This is an educational comparison framework, not an eligibility determination or financing offer. Specific terms require provider and appropriate professional review before commitment.