No Cost to You: We don’t charge any fees to our buyers. Our compensation comes from our lender partners.

Fire Your Boss
Fund Your Business

Whether you're a first-time buyer, seasoned entrepreneur, or transitioning professional,
we're here to guide you through every step of acquiring your next business.

We guide you through the SBA acquisition financing process Step By Step
🚀 You focus on running the business. We handle the financing.
Let's Talk About a Deal
1
Deal Structuring & Loan Strategy
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Structure your acquisition for lender approval
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Understand SBA loan requirements and how they apply to your deal
2
Matching You with the Right Lender
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We connect you with experienced SBA 7(a) lenders
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Ensure your deal aligns with lender criteria
3
Navigating SBA Underwriting
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Work with lenders to manage due diligence, documentation, and approval
4
Closing & Ownership Transition
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We guide you through closing, ensuring a smooth transition into business ownership

Who Are We For?

We specialize in Financing Business Acquisition For

Speak to an SBA Expert
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    Corporate Professionals Leaving the 9-to-5

  • Military Veterans Using SBA Programs

  • First-Time & Serial Business Buyers

  • Acquisition Entrepreneurs & Search Funders

Got Questions? We've Got Answers
What is the maximum amount of financing that I am able to secure from the SBA 7(a) loan program to buy a business?

$5 million

What are my options as a business buyer for coming up with the SBA required down payment?

As a buyer, you have 3 options to come up with the SBA required down payment. You can use a combination of these 3 options. Please keep in mind, that you are required by the SBA’s lending guidelines to come up with a down payment (equity injection) of 10% which is based on the total project costs. For a business purchase, the total project costs includes the purchase price of the business + everything else (working capital, closing costs, buyer legal costs, buyer financial due diligence, SBA guaranty fee, etc.) The 3 options are those below:

  • Cash – the cash from you as the buyer and/or investors could theoretically comprise the entire 10% down payment

  • A partial standby seller’s note: This is a seller’s note that has no payments on it for the first two years after closing (during which time interest accrues but isn’t paid), followed by payments in year 3 through year 10.

  • A full standby seller’s note: This is a seller’s note that is only accruing interest while the SBA loan is outstanding. Payments can start on it and/or it can be paid off once the SBA loan has been paid in full to the bank
Please keep in mind: Banks can be (and often are) more conservative than the SBA’s baseline requirements, and most banks require that half of the 10% down comes from buyer and/or investor cash

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Is there a way to avoid making a down payment on an SBA loan?

If you are doing what’s called an “expansion acquisition,” the answer is “Yes.” If you buy a business in the exact same industry (identical 6 digit NAICS code) with the exact same ownership group (both individuals and ownership percentages), same geography (subjective, but typically interpreted as the same state), then you can qualify for 100% financing between a combination of the SBA 7(a) loan and the seller’s note. Please note that your existing company will be required to either be a signer on the loan as a co-borrower or a corporate guarantor

I currently own a business and have taken out an SBA loan. Is it allowable for me to take out another SBA loan?

Yes. You are allowed to have multiple SBA loans outstanding simultaneously. You can have up to $5 million of SBA loans outstanding which you are personally guaranteeing at any point in time

If I am taking out an SBA 7(a) loan to buy a business, does my net worth need to be proportional to the loan amount? For example, if the loan amount is $2 million, do I need to have a $2 million net worth?

No. SBA and banks do not typically impose specific net worth requirements. Pioneer Capital Advisory has previously financed a 25 year old client that bought a $3.3 million home service business with a net worth of $160,000. So long as you as the buyer have sufficient post-down payment liquidity (cash and/or taxable stocks on hand) of which the amount is subjective, there isn’t a net worth concern or requirement that the SBA and/or banks typically impose

Is there any cost to work with your firm?

No, our services are provided at no charge to buyers. We are compensated by our lender partners for facilitating financing, ensuring you get the best loan options at no additional cost.