# Fund Business

> Match capital needs to appropriate funding paths (SBA, CDFI, microloan, family, grant) and assemble the lender package. Use after plan-business produces a viable model.

- Skill: `simongonzalezdc/fund-business` (Agent Skill)
- Install (CLI): `npx skillmds@latest add simongonzalezdc/fund-business`
- Raw SKILL.md: https://api.skillmd.com/api/skills/simongonzalezdc/fund-business/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: AI & ML
- Author: simongonzalezdc (https://skillmd.com/u/simongonzalezdc)
- Updated: 2026-09-17
- Page: https://skillmd.com/skills/simongonzalezdc/fund-business

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# Fund Business

Structure capital correctly and assemble the package a lender wants to see.

## Funding paths (by cost)
1. **Family gift/0% advance** — pre-revenue validation
2. **SBA Microloan** (50K statutory cap) — against equipment
3. **CDFI direct / Community Advantage** — social-impact businesses
4. **SBA 7(a) Small Loan** (350K max) — sized to gate-case DSCR
5. **Friends/family equity** — with governance charter
6. **Grants** — founder programs, local initiatives

## Lender package
| Document | Purpose |
|---|---|
| Loan request summary | Who/what/how much/why |
| Pro-forma + DSCR (3-column) | Repayment capacity |
| Sources and Uses (balanced) | Every dollar accounted |
| 13-section business plan | The narrative |
| SBA Form 413 PFS | Borrower credit |
| 3 years tax returns | Income verification |
| Resume | Experience |
| Capital letter | Proof of funds |
| Letters of intent | Partnership evidence |

## DSCR rules
- **Zero debt before counted revenue** (the #1-decline profile)
- Present in **3 columns**: $0 / 50% haircut / validated run-rate
- Size to **gate-case DSCR >= 1.25x**
- Include a **funded interest reserve** as a named source
- The **no-personal-guarantee wall** determines maximum debt