Are you looking to acquire a business and its underlying real estate? In this video, Ryan is joined by his daughter, Austyn, who takes over the interviewer seat to ask the tough questions about commercial acquisitions. We dive deep into the specific strategies, requirements, and loan mechanics you need to know to successfully close on both a business and its property.
We cover everything from post-close liquidity requirements and SBA loan structures (like the 7a and 504 programs) to the crucial clauses you need in your purchase agreement—like the First Right of Refusal. Plus, I share real-world case studies showing how my clients saved up to $120,000 a year by structuring their real estate purchases the right way!
In this video, you will learn:
- The essential cash and liquidity requirements for dual acquisitions.
- How underwriting timelines and property appraisals affect your closing.
- The exact pros and cons of buying real estate upfront vs. buying it 2-3 years later.
- How to structure SBA 7a and 504 loans to get the best interest rates and cash flow.
Key Chapters:
0:00: Introduction
1:55 – Should You Buy the Business and Real Estate Together?
2:23 – Cash Requirements & Post-Closing Liquidity Explained
4:13 – Timing Challenges: Valuation, Appraisal & Environmental Reports
5:12 – Financing Together vs Separately (Pros & Cons)
8:00 – Loan Mechanics: 7(a) vs 504 vs Conventional
11:10 – Why Most Buyers Purchase the Business First
12:02 – First Right of Refusal & Locking in the Price
15:37 – Real Case Study: 25-Year Fixed Refinance at 6.2%
18:00 – Scaling with SBA 504 After Maxing Out 7(a)
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More ThinkSBA Resources
https://calendly.com/thinksba – Schedule Call
https://g.page/thinksba – Google Business Page & Reviews
https://thinksba.com/faq – Frequently Asked Questions
https://mysbaloanpro.com – My SBA Loan Pro Podcast
http://youtube.com/@thinksba – YouTube Channel
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