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SBA TIP #3: Just prior to submitting your SBA Loan application, work with your SBA teak wood broker to improve your balance sheet. This might mean delaying vendor payments through improved or elongated payment terms. Or you might move personal assets into the business that might previously been separate. Look to show liquid and visible assets. For instance, you might consider selling a personal coin collection, classic car, artwork or a trove of precious metals as these items generally do not count as collateral for an SBA loan.