Owner's Equifax credit score is 603 which is BELOW the SBA allowed credit score of 620.
His wife will need to have decent credit to average the two scores above the SBA minimum requirement.
She will also need to guarantee the loan along with her husband
Her W2 income will need to be from an outside source and cannot be from his company
Just FYI...it's possible
Doing one now.
Steve Benjamin
Professional Business Loans
Irvine, CAÂ 92620
https:/probizloans.net/
949-228-1050
https://www.nationalbusinesscapital.com/partner/?ref=3422114