SBA 7(a)
The workhorse for owner-operator acquisitions. Typically ten-year amortization with a meaningful equity injection from the buyer, and often a seller note on standby for part of the balance.
For buyers and acquirers
Buy a business that’s worth owning
Most of the good deals in this market never reach a listing site. We’ll show you what’s available now — and go find what isn’t.
Current opportunities
What’s available right now
Our current listings are shared privately rather than posted publicly, so sellers stay protected. Tell us what you’re looking for and we’ll send what fits, along with off-market businesses that never reach a listing site.
How it works
From criteria to closing
01
Define what you’re actually buying
Industry, geography, cash available, financing route, and how involved you intend to be. Buyers who can articulate this get taken seriously by sellers; buyers who can’t get ignored.
02
NDA and qualification
One NDA covers everything on our list. We’ll ask about proof of funds and financing readiness — not to gatekeep, but because sellers won’t open their books otherwise.
03
On-market and off-market search
You see current listings immediately. In parallel, for serious mandates, we approach owners in your target industry who haven’t listed — which is where the least competitive deals are.
04
Offer, financing, diligence
We help you structure a letter of intent that a seller will actually sign, connect you with SBA lenders who fund deals this size, and keep diligence organized so you close on schedule.
Financing
How most of these deals get paid for
Seller financing
A portion of the price carried by the seller over two to five years. It lowers your cash at close and keeps the seller invested in a clean transition.
Cash and conventional
Faster and cleaner, and often wins a competitive situation on speed rather than price. Useful for asset-light businesses lenders find hard to underwrite.
Common questions
Buying: what buyers ask
Do buyers pay a fee?
Not on our listings — the seller pays the success fee. A dedicated off-market buy-side search is a separate engagement, quoted in advance.
How much cash do I need?
For an SBA-financed acquisition, plan on a meaningful percentage of the purchase price in equity plus working capital and closing costs. The exact injection depends on the lender, the business, and whether the seller carries a note. We’ll walk through real numbers on a specific deal.
Can I see the financials before signing anything?
You’ll get the blind profile with industry, geography and financial range up front. Full financials come after the NDA — that’s the seller’s condition, not ours.
I’ve never owned a business. Is that disqualifying?
No. Lenders and sellers care about transferable management experience and industry relevance more than prior ownership. First-time buyers close deals in this market constantly.
Ready to Find Out What Your Business Is Worth?
A confidential conversation and a written opinion of value. No cost, no obligation, and nobody — not your staff, not your competitors — hears about it from us.
No upfront fees · Fully confidential · NY · NJ · CT