The SBA Lender confirms the Applicant, with its affiliates, is small under either the industry size standard for its primary NAICS industry (13 CFR 121.201, receipts from federal tax returns) or the alternative size standard (13 CFR 121.301, a tangible net worth ceiling and a two-year average net income ceiling), with the combined size of Applicant and acquired business tested in a change of ownership. Size is measured when SBA accepts the application or, under delegated authority, on the Lender's approval date. The Lender identifies affiliates by the ownership rules in force since the May 2023 affiliation rule (more than 50% ownership in either direction; common owners of more than 50% in the same 3-digit NAICS subsector; 20% or more owners in the same subsector where no one holds a majority; spouses' and minor children's interests combined; pro rata indirect ownership; options, convertible securities and merger agreements treated as exercised), and may rely on the Applicant's size certification unless credible evidence points the other way.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.