Terms of use

Last updated October 25, 2026. This website is operated by Stargo, Inc. ("OKtoLend", "we").

The guides are general information

Our guides explain SBA, IRS and valuation practice in plain English. They aren't legal, tax, accounting, investment or credit advice, they don't create any professional relationship, and they may be out of date by the time you read them. SBA and IRS rules change. Check the primary sources we link to and talk to your own advisers before acting.

No offer or promise

Nothing on this site is an offer of credit or a promise that any loan will be approved, that a business will be valued at any amount, or of any outcome. OKtoLend doesn't make loans. Our reports are ordered by and prepared for lenders under a separate written engagement, which governs that work.

Pricing and terms

Pricing and terms are shared on request and confirmed in writing before any work starts.

Using the site

You may read, link to and quote short passages from our guides with attribution. Don't copy whole pages, scrape the site to republish it, or use it in a way that breaks the law or interferes with the site.

Limits

The site is provided as is. To the extent the law allows, we're not liable for losses arising from use of the site or reliance on the guides.

Changes

We may update these terms. The date at the top shows the latest version.