---
title: Countabl Notes | Raising & Borrowing
description: Raising & Borrowing | Notes on cash, forecasting, and financial decision-making for founder-led and owner-operated companies. Written by the team that runs the numbers.
image: https://www.countabl.io/hubfs/og-image.png
---

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Notes

# Writing on *Raising & Borrowing.*

Everything we’ve published on raising & borrowing. [See all notes](https://www.countabl.io/notes)

[All](https://www.countabl.io/notes) [Decision-Making](https://www.countabl.io/notes/tag/decision-making)[Cash & Runway](https://www.countabl.io/notes/tag/cash-runway)[Operations](https://www.countabl.io/notes/tag/operations)[Raising & Borrowing](https://www.countabl.io/notes/tag/raising-borrowing)[Forecasting](https://www.countabl.io/notes/tag/forecasting)[Hiring & Growth](https://www.countabl.io/notes/tag/hiring-growth)[Partners](https://www.countabl.io/notes/tag/partners)

[Raising & Borrowing Pre-money, post-money, and the option pool shuffle Three terms decide what a round costs you in ownership. The option pool is the one nobody negotiates — and “5%” means two different numbers depending on what it is 5% of. August 20, 2026](https://www.countabl.io/notes/raise-and-dilution) [Raising & Borrowing Financial projections for an SBA loan: what lenders actually want What an SBA lender expects in your projections, how debt service coverage is calculated, and the assumptions that get applications sent back. July 30, 2026](https://www.countabl.io/notes/sba-loan-financial-projections) [Raising & Borrowing What lenders and investors actually look at The data room is open, or the loan application is in. What a lender or investor pulls apart first, and what to fix before they do. July 29, 2026](https://www.countabl.io/notes/what-lenders-and-investors-look-at)

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Countabl provides financial operations and advisory services, including sales-and-use tax compliance. We are not a CPA firm: we do not prepare income tax returns and do not provide tax planning, audit, or attest services.

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