SBA & business financing, explained
Practical guides from people who close these deals for a living. No jargon, no sales pitch — just how the financing actually works and how to make it work for you.
The SBA Loan Timeline: LOI to Closing, and What a Year-End Close Really Takes
How long an SBA acquisition loan actually takes, phase by phase — what drives the schedule, what stalls it, and how to work backward from a year-end close.
Seller Financing in an SBA Acquisition: How Seller Notes Actually Work
How seller notes fit into an SBA acquisition — when a note counts toward your equity injection, what standby really means, and how to negotiate one.
CRE vs. No-CRE SBA Loans: How Real Estate Changes Your Deal
Adding commercial real estate to an SBA loan changes the term, the payment, the diligence, and the timeline. Here's what actually shifts, and when it's worth it.
What Makes a Strong SBA Loan Application
What SBA lenders actually look for in an application, which weaknesses sink deals, and how to fix the fixable ones before you submit anything.
Equipment Financing vs. SBA 504: Which One Fits Your Purchase?
Equipment financing and SBA 504 both pay for equipment, very differently. How to tell which fits your purchase — and when a 7(a) beats both.
Financing a Partner Buyout With an SBA 7(a) Loan
How to use an SBA 7(a) loan to buy out a business partner: what lenders underwrite, how the equity injection works, and the details that sink these deals.
How Much Down Payment Do You Need to Buy a Business With an SBA Loan?
What SBA lenders expect you to put down when buying a business, what actually counts toward your equity injection, and practical ways to close a down-payment gap.
How SBA 7(a) Refinancing Works
How the SBA 7(a) program lets business owners refinance high-cost or balloon debt into longer, more affordable terms — and when it actually makes sense.
SBA 7(a) vs. 504: Which Loan Fits Your Deal
The two big SBA loan programs do very different jobs. A plain-English guide to when to use SBA 7(a), when 504 is the better fit, and when you can combine them.