Considering starting a new business. Have clients who are willing to give annual contract>> startup costs.

* does the existence of a contract help with either underwriting or rates?

* LTV ratios = what range is acceptable?

* What are current rates for loans under $500k? $250k? $150k - assume 10 year loan.

* What's a typical period? 10 years? 20 years? 30 years?

* Are they typically simple interest, compound interest or other?

* Do SBA loans typically have penalty-free pre-payment options?

* current time to get loan?