Yes, the spread would be better, but banks don't do it unless you have several years of high cash flow and positive on-paper income. Even if the owner is delibe

Yes, the spread would be better, but banks don't do it unless you have several years of high cash flow and positive on-paper income. Even if the owner is deliberately trying to offload the income into another corporation, they can't figure it out and say the income statement looks bad. Banks don't even understand small businesses at this point.