Are you looking for SBA 7(a) financing? Our innovative approach is tailored to buyers like you.
“Pioneer Capital Advisory LLC is a free consultant that helps you as a business buyer find the bank that is the best fit for your deal and helps you navigate the loan process so you are able to secure the SBA financing that you need. We get paid by the SBA lender after closing, not by you as the buyer.”
Did you know that at Pioneer Capital Advisory, we're dedicated to enhancing small to medium-sized business acquisitions? Did you know we offer tailored financing solutions that transform entrepreneurial aspirations into successful, tangible business ownership opportunities? And did you know we have a solid track record of innovation and client satisfaction?
Here are a few more things to know about us:
Pioneer Capital Advisory LLC is a commercial loan brokerage firm—not a bank or direct SBA lender—that helps business buyers navigate the SBA 7(a) financing process.
Since its founding, the firm has supported over 87 successful SBA-financed acquisitions, representing more than $100 million in total loan proceeds across small to medium-sized business transactions.
Matthias Smith, President and Owner of Pioneer Capital Advisory LLC, has personally worked on over $300 million in SBA 7(a) loans, including both (1) transactions closed during his time as an SBA closer at prior banking institutions, and (2) client financings facilitated through Pioneer Capital Advisory.
While Pioneer Capital Advisory is not a direct SBA lender, it operates as a strategic commercial loan brokerage firm that works alongside SBA lenders to help business buyers secure financing
Get Ahead of the Curve with The Buyer Advocate
Join thousands of acquisition entrepreneurs who rely on The Buyer Advocate, our weekly newsletter tailored for serious business buyers.
Each issue delivers:
• Strategic insights on SBA 7(a) financing
• Real-world deal breakdowns and case studies
• Critical updates on SBA policy changes
• Tips for raising equity, evaluating businesses, and closing with confidence
Whether you’re under LOI or just starting your search, The Buyer Advocate keeps you sharp, informed, and a step ahead in the business buying process.
Pioneer Capital Advisory's clients have successfully leveraged SBA's flexible structuring options, including full and partial standby seller notes, to reduce their initial cash down payments. Explore our Closed Deals to discover how these innovative strategies have paved the way for successful business acquisitions.
Explore our curated collection of presentations to deepen your understanding of our approach and the SBA loan landscape. Each piece is designed to equip you with the knowledge to navigate the complexities of business financing.
Did you know that the majority of SBA lenders require only half of the down payment to come from buyer cash? The other half can come from a full or partial standby seller's note.
Did you know that our innovative SBA structuring techniques have enabled our clients to minimize upfront cash contributions in their business acquisitions?
Did you know that SBA loans do not have balloon payments and are fully amortizing?
Did you know that Matthias Smith, Founder / Owner of Pioneer Capital Advisory LLC, has worked directly on over $100 Million of closed SBA loan transactions during his time working in the SBA lending industry?
Pioneer Capital Advisory is compensated directly by the SBA lender—only after closing. If a deal falls apart at any stage, whether it’s in week one or week eight, we do not get paid. That’s why we’re selective about who we work with and require full commitment from each client before we engage.
On average, it takes about 75 days to move from the start of underwriting to closing. During that time, our team invests significant effort into preparing a lender-ready credit deck, marketing the deal to SBA banks, and providing real-time M&A support to help navigate every step of the process.
To ensure alignment, we require clients to sign a short-term exclusivity agreement granting us 45 days to secure a loan approval. In most cases, we’ll know within 7 business days whether we have full conviction in our ability to deliver financing. If we’re not confident we can get the deal done, we won’t take it on.
We do not engage with buyers who intend to run a simultaneous process with other lenders or advisors. The exclusivity ensures we can go to market aggressively on your behalf, deliver a focused lender strategy, and drive results without distraction.
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Guys - if you're coming from a "white collar" background, think twice about buying a landscaping business or similar without a GM at a minimum.
Having to confront an employee about taking a shit in someone's front yard when your background is making waterfall models is probably going to be tough.
SBA 7(a) financing is a government-backed loan program designed to help entrepreneurs acquire, expand, or operate small businesses. At Pioneer Capital Advisory, we guide you from LOI acceptance through final funding, ensuring a smooth, lender-matched experience.
We specialize in helping acquisition entrepreneurs and self-funded searchers seeking SBA loans between $500,000 to $5 million. Whether you’re buying your first business or expanding an existing one, we help match you with the right lender.
We’ve helped clients secure financing for diverse industries including HVAC, towing, self-storage, landscaping, and more. Our team’s depth of experience allows us to support a wide variety of acquisition scenarios.
No. We are paid by the SBA lender after your deal closes. There’s no cost to you as the buyer — our goal is to get you funded, not charge you fees.
Yes, in certain cases. We help you structure deals that meet SBA criteria, including transactions involving full or partial seller standby notes to minimize your cash down payment.
Timelines can vary, but most deals take 60 to 90 days to close. Our team helps you anticipate and navigate each step to keep your acquisition moving smoothly.
We don’t just connect you to lenders — we become part of your team. From initial consultation to underwriting hurdles, our experts provide strategic insights to strengthen your application and increase your odds of a clean close.
We’re lender-agnostic, meaning we match you with the best lender for your unique deal—not the one that pays us the most. Our guidance and deal structuring support give you a higher chance of approval and a smoother process.
Our founder, Matthias Smith, has closed over $300 million in SBA loans and worked at four commercial banks. The entire team brings deep financial, underwriting, and deal execution experience.
Absolutely. We specialize in working with first-time acquisition entrepreneurs. Our process demystifies SBA financing and gives you the support needed to close with confidence.
We’ve supported deals in HVAC, towing, landscaping, medical practices, e-commerce, and more. We tailor the financing strategy to your target business’s unique profile.
