This project was best fit under the SBA 7a program. In most cases when future projection of revenue is used to qualify a loan, and specially if the borrowers are first time buyers, the government guaranteed programs such as the SBA or the USDA are the most suitable loan programs to use. One of the major requirements of an SBA loan is the proof of equity. Most often, buyers scramble to put togehter the equity from a number of accounts without thinking of the seasonality required by the SBA which states that the funds used as equity should have been in the account for 3 months. The proof needed is three last consecutive statements showing the balance of that account not falling in any single day below the amount of equity being used from that account. The challenge in case of a lease to purchase is that the lease has started in the past with the lessee unaware of the SBA requirements. Since the lease’s non-refundable deposit is applied to the downpayment at the time of excercising the lease to purchase option, it is a major task for Scientific Capital to organize and provide proof of all sources of funds used at the time of the lease and to qualify the project for the SBA. This task is even more complex if the initial lease deposit were sourced from small personal loans and gifts from the friends and the family. Gifts are acceptable but the gifter has to be willing to sign and sometimes notarize a gift letter. Money borrowed from friends and family may be acceptable if the borrower has at least injected 10% of the borrower’s own equity.