Most acquirers are told SBA loans are their only option. And while SBA financing can absolutely work in certain cases, many deals simply aren’t SBA-eligible — and even when they are, sellers are often hesitant to accept SBA-backed offers due to timing and execution uncertainty.

That’s why we structure both SBA and non-SBA capital (for online and offline businesses) across banks, private and institutional credit, and creative liquidity solutions — with the objective of faster execution and minimizing buyer cash at close.

PRE-ACQUISITION CAPITAL STRATEGIES

Designed to help buyers increase liquidity and buying power before the right opportunity appears, allowing them to:

• Increase liquidity & present as an execution-ready buyer
• Move quickly on $100K–$500K+ opportunities
• Use funds as the equity injection on larger $1M-$5M+ deals
• Keep out-of-pocket cash low (often ~5% or less)
• Maintain ongoing access to working & growth capital

DEAL-SPECIFIC FINANCING SOLUTIONS

Structured based on the deal, seller expectations, and buyer profile to create a capital stack that speeds timelines and reduces buyer cash at close. This can include a tailored mix of:

• Community banks & credit unions
• SBA preferred lenders (when SBA makes sense)
• Private credit & institutional capital
• Creative liquidity solutions

REAL ESTATE–BACKED CAPITAL SOLUTIONS

Many buyers overlook a powerful source of capital they already have: real estate equity. With the right structure, that equity can be converted into fast, flexible acquisition capital through asset-focused lenders offering DSCR, bridge, portfolio, and commercial real-estate financing — often faster and more flexible than traditional banks.

• Free up cash from rental or commercial properties
• Fund business acquisitions or additional RE purchases
• Bridge deals/projects without selling assets
• Improve cash flow by consolidating portfolios

WORKING/GROWTH CAPITAL SOLUTIONS

For qualified buyers who already own (or just closed on) a business, we help structure post-acquisition liquidity that adds flexibility and breathing room — without liens on the operating company or giving up equity. These capital bridges are commonly used to:

• Maintain liquidity across one or more businesses
• Fund growth (marketing, inventory, hiring, etc)
• Smooth cash flow during integration/expansion
• Provide flexibility traditional lenders won’t

INTERESTED IN EXPLORING YOUR CAPITAL OPTIONS?

Complete the form below to learn more and see which structures may be available based on your profile and objectives.