EXPLORE SBA, NON-SBA & ALTERNATIVE ACQUISITION FINANCING OPTIONS

A GENERIC PRE-APPROVAL IS NOT DEAL APPROVAL

A general SBA pre-approval may indicate preliminary buying power, but it does not confirm that a lender will approve a specific business or transaction.

Actual financeability depends on the buyer, business, purchase price, cash flow, proposed structure, equity contribution, working-capital needs, seller financing, industry risks, and post-close liquidity.

The buyer and deal need to be evaluated together before relying on a financing path.

WHAT WE HELP EVALUATE

• DEAL FINANCEABILITY
  Whether the purchase price, cash flow, industry, add-backs, structure, and debt-service coverage appear supportable.
  
  
• BUYER AND DEAL FIT
  Whether the buyer’s liquidity, credit, experience, operating role, equity contribution, and reserves align with the transaction.
  
  
• CAPITAL STRUCTURE
  How SBA, conventional non-SBA debt, private credit, seller financing, outside equity, earnouts, or a blended structure may work together.
  
  
• EQUITY REQUIREMENTS
  How much buyer cash may be required and whether seller financing, outside equity injection support, or another structure could reduce the buyer’s personal contribution.
  
  
• APPROVAL RISKS & EXECUTION
  Potential lender concerns, required structural changes, packaging needs, capital-source outreach, term sheets, financing diligence, and closing coordination.
  

CAPITAL OPTIONS MAY INCLUDE

• SBA and conventional bank financing
• Private credit and non-bank debt
• Seller financing and earnouts
• Outside equity and family-office capital
• Equipment, working-capital, and revolving-credit facilities
• Blended capital structures
  
  

The appropriate structure depends on the buyer, business, transaction size, cash flow, available collateral, and seller terms.