01.SBA 7(a)
Flexible for acquisitions, working capital, eligible refinances, real estate, equipment, and mixed-use transactions.
The most expensive no
is the one that comes late.
We've sat on the other side of the table — and we know what the decision turns on before your file ever reaches it.
Request financingOur founder’s banking career
$1.5B+ Deals reviewed
$500M+ SBA loans approved and closed
Former #1 in U.S. Individual SBA credit approver · 2023
How the credit problem changesThe financing may be SBA.
The credit problem is never generic.
01. Buy a business or franchise
Acquisitions of existing independent businesses and operating franchises, including strategic add-ons.
Credit has to prove
A supportable price, durable cash flow, adequate working capital, eligible ownership, and an operator capable of taking control.
02. Buy out a partner
Financing to purchase an existing partner’s ownership interest and transition ownership within the business.
Credit has to prove
A supportable buyout price, a clear ownership transition, and cash flow and liquidity that support the business after closing.
03. Start a franchise
Qualifying franchise startups, new units, and the capital required to open and reach stable operations.
Credit has to prove
A complete startup budget, realistic ramp, meaningful franchisor support, sufficient liquidity, and defensible projections.
04. Fund growth or working capital
Working capital, equipment, inventory, hiring, capacity, new locations, and other operating investments.
Credit has to prove
A use and timing of funds that match the operating cycle, with enough cash flow and liquidity to absorb the ramp.
05. Buy property for your business
Purchase, construction, or renovation of the property where the business operates.
Credit has to prove
Eligible occupancy, complete project costs, manageable appraisal and environmental risks, and operating cash flow that supports the property.
06. Refinance business debt
Replacement of eligible business debt when a new structure can materially improve the borrower’s position.
Credit has to prove
Eligible original debt, acceptable payment history, the required refinancing benefit, understood collateral, and sufficient cash flow.
Choosing the capitalThe transaction comes first.
The program comes second.
We begin with purpose, repayment source, risk, and timing. Only then do we choose the capital path.
01.02.SBA 504
Long-term financing for qualifying owner-occupied real estate and major fixed assets.
If SBA does not fit the transaction or the business, we say so.
The credit viewA financeable request can still fail at the wrong institution. Policy matters.
01. Repayment source
Durable cash after operations, owner compensation, recurring capital expenditures, and taxes.
02. Transaction structure
How price, equity, seller financing, working capital, amortization, and collateral affect resilience.
03. Liquidity after closing
Whether enough cash remains for the plan to be imperfect.
04. Lender fit
Which institution’s policy and execution capability match the request.
