Huh? 1. In America, it comes down to do you have enough EBITDA to service your debt (DSCR) and when you don’t have sufficient EBITDA are there sufficient asset

Huh? 1. In America, it comes down to do you have enough EBITDA to service your debt (DSCR) and when you don’t have sufficient EBITDA are there sufficient assets to cover a creditors exposure 2. Shop for the best possible deal because there are lenders everywhere when you have sufficient EBITDA 3. If you’re a person of color, it’s best to have a white friend call lenders for you so that you can get accurate information 4. Don’t ever sign a personal guarantee if you have EBITDA 5. All that other stuff you can go to school for but since your little brother is trying to be an entrepreneur he should probably focus on his business (eg. Customer satisfaction, product/market fit, pricing, sales, attracting talent, etc etc)