---
title: How One Business Secured an SBA 7A Loan After Getting Denied
description: Denied for an SBA loan? See how this cleaning company overcame DTI issues, secured $250K, and is now positioned for $25K/month in new revenue.
---

[Raices y Riquezas ](https://blog.kapya.io/blog)

# [How One Business Secured an SBA 7A Loan After Getting Denied](https://blog.kapya.io/blog/how-one-business-secured-an-sba-7a-loan-after-getting-denied)

 Written by [Luis](https://blog.kapya.io/blog/author/luis) | Aug 8, 2025 1:21:11 AM

**When Banks Say No, We Say Yes**

For many small business owners, especially those from underserved communities, traditional bank loans feel out of reach. One of our recent clients — a contract cleaning company with over 100 active clients — faced this exact situation. Despite strong revenue and growth, they were denied SBA funding due to debt-to-income (DTI) ratio issues.

Here’s how Kapya stepped in, restructured the case, and helped them secure a $250,000 SBA 7A loan that saved over $15,000 per month in payments and unlocked new business opportunities.

**The Challenge: Loan Denial Despite Strong Operations**

This business was billing over 100 recurring clients and had weathered the 2022-23 inflationary period well, even growing through deep-sanitizing services. They had:

- **2023 Revenue:** $1,025,000
- **Net Income:** $136,785
- **Equipment and Vehicles:** Essential to operations
- **New Contracts in Pipeline:** Worth up to $30,000/month

But their file was denied by an SBA lender due to high existing debt and a misclassification of business liabilities.

**Our Approach: Restructuring for Success**

Kapya reviewed the entire loan submission and identified two critical issues:

1. **Incorrect Debt Aggregation:** Vehicles were mistakenly bundled with general business debt.
2. **Unclear Working Capital Justification:** The client hadn't tied funding needs to specific growth opportunities.

We corrected the debt classification, documented the equity in business-owned real estate, and showed a direct link between loan usage and projected revenue.

Then, we highlighted:

- A plan to pay off $200,000 in high-interest loans
- A $15,000/month savings with a lower SBA rate (7%)
- A need for $150,000 in working capital to pursue pending contracts

 

**The Result: $250,000 Funded — and More on the Way**

The result? A $250K approval with one of the nation’s largest non-bank SBA lenders. The client is now saving over $15K/month and has the flexibility to pursue an additional $25K/month in new revenue.

Even better: after 3 months of on-time payments, they’ll be eligible for an additional $100K.

**Takeaways for Other Business Owners**

- **Getting denied isn’t the end.** It’s often about presentation, not worthiness.
- **Properly classifying debt and assets matters.** A clean balance sheet opens doors.
- **Tie funding to growth.** Show exactly how capital will generate revenue.

**Need Help? Let’s Talk.**

At Kapya, we help underserved and Latino-owned businesses navigate complex funding situations. If you've been denied, misclassified, or just don’t know where to start — we're here.

**Free Consultation** | Fast Prequal | SBA, Term Loans, Equipment & More

 

[View full post](https://blog.kapya.io/blog/how-one-business-secured-an-sba-7a-loan-after-getting-denied)

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