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Plain answers to the questions borrowers actually ask.
No jargon, no rate bait. Written for people in Indiana who are deciding what to do next.
Buying a gas station: four things in the file that stop these deals
The Phase I is mandatory at any loan size, nothing funds until the tanks pass, and your fuel brand has to be on SBA’s Franchise Directory.
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Acquisitions · SBA
Buying a business with an SBA loan: the category decides the numbers
SBA sorts every business purchase into four types, and the type decides your down payment and your coverage target. What changed on October 1, 2026.
Credit
A rapid rescore, and why you cannot order one yourself
A rapid rescore updates your credit file in days, not a full billing cycle. Only a lender can order one, and you cannot be charged for it.
Appraisals · Home loans
What a home appraisal is, and what one costs in Indiana
What a home appraisal costs in Indiana, who pays, your right to a copy, what to do if it comes in low, and when no appraisal is needed at all.