{"data":{"id":"us/13-cfr-120.354","jurisdiction":"us","citation":"13 CFR 120.354","heading":"Creditworthiness.","body":"In determining repayment ability, SBA shall not consider the personal assets of the employee-owners of the trust. SBA shall consider the earnings history and projected future earnings of the employer small business. SBA may consider the business and management experience of the employee-owners.","path":["Title 13—Business Credit and Assistance","CHAPTER I—SMALL BUSINESS ADMINISTRATION","PART 120—BUSINESS LOANS","Subpart C—Special Purpose Loans"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-13.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:18Z","sha256":"b05a1eafe516618548ff9925670ae7af04523b70fbb71b8d7a106b2d20e97abd","source_id":"us-cfr","stale":true,"prev":"us/13-cfr-120.353","next":"us/13-cfr-120.360"},"notice":"GroundRules: Original legal text. Not legal advice."}