Has anybody ever successfully navigated a situation where a business would easily meet the required financial metrics for an SBA loan based on its true financials, however, the tax returns show significantly lower earnings than the business actually makes? I have a business that is ready to go under LOI with ~$400k of SDE, but the tax returns show earnings closer to $100k. Few items driving the delta are owner running personal expenses through the business, some unreported revenue, timing of cash vs accrual accounting, etc. Seems like most if not all SBA lenders will look at the tax returns as the primary source of financials but would love to speak to anybody who has ever dealt with this situation (Whether you were able to successfully get the SBA loan or figured out an alternative source of financing).