Nobody's credit is touched
There's no applicant on this submission, so there's nothing to pull. The business is what gets read.
Sell-side · financing on a listing
Establish financeability before the buyer asks.
The business being sold is placed with the lenders that fund lower-middle-market acquisitions, so the transaction is already sized when an offer arrives. The timeline is not spent waiting on a buyer to find a bank.
- Built from the business — no buyer, no personal identifiers, no ownership split
- The full prequalification package attaches here — federal returns, interim financials, SDE schedule, lease
- Matched to the buyer's own application later, by business name
- The listing
- The business
- The listing side
- Documents
- Review
The business you're selling
These are the numbers a lender runs the deal on — the seller's, not a buyer's.
Take it from the CIM or the listing. Skip anything you don't have; nothing here holds up the submission.
Seller's Discretionary Earnings. A lender sizes the loan off this number, so use the schedule, not a guess.
Real estate
Lenders generally want the lease term plus options to cover at least 10 years.
About this listing
Two things that change how a lender reads the file. We already have your name and how to reach you.
Still no applicant on this submission. No SSN, no date of birth, no ownership percentage — a buyer supplies all of that on their own application later.
Your role on this listing
Is the listing live?
If an offer is already in hand, say so. It moves the file up the queue.
The prequal package
Eight sections. A lender pre-qualifies the business off these — a full set usually comes back in about 48 hours, a partial one waits while someone chases the rest.
All of it is optional here. The checklist stays on the page so you know what a full set looks like, and anything missing can follow later.
Supporting documents
Bank statements, the CIM, equipment lists, licences, appraisals — anything else a lender will ask for on this business. No limit on how many.
PDF, JPG, PNG, Excel or Word, up to 100 MB per file. A full three-year return with every schedule fits — send it as it is.
Review and submit
Check the numbers. You can go back and change anything.
The listing is in.
It's a deal in Lendflow now, with the lenders who fund acquisitions this size.
Reference for this listing
When a buyer applies, their application gets matched to this one by business name.
A financed listing sells faster.
Financing is what stalls most Main Street deals between LOI and closing: the bank meets the business for the first time after the offer is already signed. Sending the numbers ahead of the buyer takes that wait out of the middle of the deal.
The file is built once
Returns, financials, the SDE schedule and the lease attach to the deal now, so a buyer isn't chasing the seller for them a week before closing.
Priced against what a lender will fund
You find out whether the asking price clears debt service now, while there's still room to price it.
How a listing becomes a funded deal.
The sell-side half runs before a buyer exists. The buy-side half picks up where this leaves off.
- 1
Submit the listing
The business, its numbers, and the eight-section package a lender pre-qualifies off.
- 2
Lenders size it
The deal is checked against lenders who write SBA 7(a) and conventional acquisition loans at this size.
- 3
Buyers see it financed
The listing goes to market with a structure attached: what a buyer can borrow against it and what they'd have to bring.
- 4
The buyer applies
They fill in their own half — injection, credit, guaranty — on the buyer application.
- 5
Close
The lender funds to escrow alongside the buyer's cash and any seller note.
List it with the financing already answered.
Send the business's numbers ahead of the buyer. It costs nothing, touches nobody's credit, and takes weeks out of the closing.
- $50K – $5MFunding range
- No applicantBusiness-only submission
- Zero credit impactNothing is pulled