No credit impact
What the transaction can carry is returned on a soft credit pull, leaving the personal and business credit file untouched.
SBA 7(a) & conventional acquisition financing
Financing for the business you're buying.
The application describes the transaction, not an entity you do not yet own. It is placed with lenders that write acquisition financing, and continues in the secure application once you are ready.
- Built for buyers — no entity name or EIN required
- Applies whether you are evaluating opportunities or already under letter of intent
- No credit inquiry to review options
- The deal
- The business
- About you
- Documents
- Review
The business you're buying
These are the numbers a lender runs the deal on.
Seller's Discretionary Earnings. A lender sizes the loan off this number.
A recent ownership change is underwritten differently.
Real estate
Lenders generally want the lease term plus options to cover at least 10 years.
About you
The buyer is underwritten separately from the business. This is your half — we already have your name and how to reach you.
The target's tax returns and financials
Lenders underwrite the business you're buying, not a projection. These are the two things they always ask for.
Attach what you have. Nothing here holds up your pre-qualification — you can add the rest later in your secure application.
Supporting documents
The CIM, the LOI, bank statements, equipment lists, licences — anything else you already have on the business you're buying. No limit on how many.
PDF, JPG, PNG, Excel or Word, up to 100 MB per file. Bank statements, a personal financial statement and a debt schedule come later in the secure application.
Review and submit
Check the numbers. You can go back and change anything.
Your application is in.
Next you'll finish in the secure application, where identity and credit verification happen.
Acquisition financing, reviewed once.
One application, placed with the lenders that write SBA 7(a) and conventional acquisition loans, so diligence is not competing with a bank search for your attention.
One submission
The transaction is described once, and SBA and conventional structures are returned together for comparison.
Built for how transactions close
Seller notes, standby debt and earnouts are treated as part of the capital structure, not as an exception to be argued for.
A clear path from LOI to closing.
Every stage of the file is visible, together with what it requires next.
- 1
Submit
One application on the transaction, with no fee and no obligation.
- 2
Review
The transaction is evaluated against lenders that underwrite acquisitions at this size.
- 3
Compare
Rate, amortization, equity injection and guaranty are returned side by side.
- 4
Close
The selected lender funds to escrow alongside buyer equity and any seller note.
- 5
Transition
Ownership transfers with working capital already in place for the first operating period.
Financing built around buyers.
Structures matched to how a lower-middle-market acquisition proceeds, from letter of intent to closing.
Competitive structures
Compare rates, terms and injection requirements so your cash goes as far as it can.
Answers on your timeline
Know where you stand early, so diligence and your lender's underwriting run in parallel instead of in sequence.
SBA 7(a) fluency
Lenders who know the program — the 10% injection, standby seller notes, and the full-time owner rule.
Know what you can borrow before you sign.
Bring real numbers to the LOI. Apply on the deal, compare your options, and negotiate knowing what a lender will actually fund.
- $50K – $5MFunding range
- SBA + conventionalAcquisition structures
- Soft pullNo credit impact