Most denials trace back to a handful of avoidable issues. Knowing them upfront dramatically improves your odds.
The short version
- ✓Weak cash flow and low DSCR are the top culprits.
- ✓Incomplete documents and unexplained deposits stall files.
- ✓Fix red flags before applying, not after a denial.
The usual suspects
- Insufficient cash flow to cover the payment (low DSCR).
- Credit issues without compensating strengths.
- Incomplete or inconsistent documentation.
- Unclear or ineligible use of funds.
- Too little time in business or owner equity.
- Unexplained activity on bank statements.
How to get ahead of it
Tighten your financials, prepare a clean document package, and address red flags early. A pre-submission review catches most problems while they're still fixable.
QF
Written by the Qualify Finance Team
We help small business owners understand funding options, strengthen their profile, and get matched to the right lender — across every credit profile.