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Business Acquisition Loans

SBA 7(a) Business Acquisition Loan Series – Seller Discretionary Earnings

November 26, 2020 by Ryan Smith

Seller Discretionary Earnings referred to as SDE equals net profit, which is the sum of annual revenue minus expenses, plus add-backs of seller discretionary spending. SDE directly impacts enterprise value, buyers equity injection, loan amount, seller carry amount, and debt service coverage ratio which ultimately determines whether a loan application is approved or declined. Common …

Read moreSBA 7(a) Business Acquisition Loan Series – Seller Discretionary Earnings
benefits of working with sba small business loan broker

The Benefits of Hiring an SBA Small Business Loan Broker

October 22, 2020 by Ryan Smith

Navigating the SBA loan program and application process is complicated. For starters, the entire SBA loan program, including borrower eligibility requirements and all policies and procedures, is governed by the SBA’s Standard Operating Procedures Manual also known as the SOP for short. The SOP is a 400 page document filled with industry jargon and references. …

Read moreThe Benefits of Hiring an SBA Small Business Loan Broker

Why The SBA 7(a) Loan Program Is The Best Financing Option To Buy-Out A Partner

September 21, 2020 by Ryan Smith

Business succession planning is vital to the longevity of any business. This is especially true when a business is owned by two or more individuals, for seldom do business partners share the same retirement and life goals. Therefore, a business is most likely to experience an interruption or even worse, the ceasing of operations altogether, …

Read moreWhy The SBA 7(a) Loan Program Is The Best Financing Option To Buy-Out A Partner
E-2 visa holder SBA 7(a) loan business acquisition

Can An Individual With An E-2 Visa Acquire A Business With An SBA 7(a) Loan?

June 15, 2019 by Ryan Smith

My SBA Loan Pro E-2 Visa Eligiblity Yes, E-2 non-immigrant visa holders are eligible to obtain an SBA guaranteed loan to acquire a business. However, there are several specific eligibility tests that must be met by management for the applicant business to be considered eligible. The Application must contain assurance that management is expected to …

Read moreCan An Individual With An E-2 Visa Acquire A Business With An SBA 7(a) Loan?

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