NICHE
SBA LOAN
LENDER

Creative & Expedited SBA Loan Financing For Business Buyers, Owner/Sellers, Business Brokers, Agents, & Small Business Advisors.

$250K TO $5M+ • 35 YEARS EXPERIENCE • PRE-QUALIFY TODAY • 1 DAY TERM SHEETS!

Answers To Your Questions About SBA Loan Financing

What factors to SBA lenders look at these days?

Factors that are more important at this time are work experience and how it relates to the business being purchased, and if the owner is willing to carry a seller note (say 10%, etc.)

What is the least amount that I need to put down?

5% down (or injection) is the least amount a borrower needs to inject. Typical it’s anywhere between 5% to 20%. There are some instances now where Borrowers can put 0 down and have the owner provide “the down payment”!

What industries are you seeing a lot of interest in at this time for SBA loan financing (business purchases)?

I am seeing a lot of health care oriented companies such as hospice, RCFE’s, delivery routes, specialty dealerships, mail box stores, contractor oriented businesses – landscaping, HVAC, remodeling, specialty restaurants, etc.

What are typical SBA loan interest rates at this time?

The prime interest rate is at 8.50% at this point in time. The “spread” is anywhere between 2.25% to 3% – this is the rate you add to the prime rate to get your total interest rate for your SBA 7(a) loan.

Do I need collateral/equity to secure my SBA loan?

Not necessarily. I assist borrowers and brokers with many SBA loans without collateral needed. Other factors are more important like the down payment (injection), owner carry note (participation, cash flow (sellers discretionary cash) coverage (monthly debt service to cash flow), borrower work experience and how it relates to the business being purchased, etc.

Do you have an SBA loan question related to buying or selling businesses? Call/Text Me Today: 855-929-0669

Recent Financing Deals - Closed or Current Clients

Amount & Business Acquisition Type

$325,000 – Junk Hauling Services
$650,000 – Corporate Investigation Services
$2,010,000 – Roastery With Multiple Cafes
$375,000 – Specialty Auto Repair Services
$615,000 – RCFE (Business Only)
$868,000 – Auto Stereo & Tinting Services

$655,000 – Chinese Restaurant & Take Out
$861,000 – Hospice Services
$425,000 – Med Spa Services
$219,000 – Home Staging Services
$1,275,000 – Mobile Car Wash Services
$4,340,000 – Motorcycle Dealer/Retailer

$1,745,000 – Towing & Roadside Services
$1,245,000 – Plumbing Services & Supplier
$995,000 – Custom Jewelry Company
$3,100,000 – Towing & Transport Company
$675,000 – Subway Franchise Chain
$275,000 – Cleaning Services Franchise

$3,560,000 – Veterinarian Supplier
$435,000 – Postal & Shipping Store
$542,000 – Specialty Auto Repair Services
$1,817,000 – Remediation Franchise
$1,100,000 – Bookkeeping Practice

Average Loan Time 43 Days. Specializing In SBA Loan Financing For Small To Mid-Sized Purchases.

New Clients Vetted For SBA Loan Financing

Mark B (Vetted Buyer) is seeking to purchase an auto repair service (with or without real estate) Northern Florida with a minimum cash flow of $150K+ annually. Mark has $215K in savings & a 401(k). He has been seeking to purchase a business for over 6 months and has 15 years as an auto mechanic/assistant manager. He has a primary home with $575K collateral and a FICO credit score of 750+. Mark would like to purchase wit...hin a 3 month period. He has been prequalified for 90% financing for a business purchase price up to $1.35M. Client #3478 | On File: 3 Years Personal Tax Returns, Resume, Completed SBA Forms Read more

Mark B Vetted Buyer

John V (Vetted Buyer) is looking to purchase (within the next 6 months) a garage door company, HVAC, plumbing, or home services company (with or without real estate) in the California marketplace (preferable in Southern California). He seeks an annual cash flow of $750K+, has equity of over $10M+ (to pledge as loan collateral), and has various contractor’s licenses. He has been prequalified for 90% financing for a busines...s purchase price up to $8M (will depend on final negotiated deal structure). Client #7637 | On File: 3 Years Personal Tax Returns, Resume, Completed SBA Forms Read more

John V Vetted Buyer

Baaba S (Vetted Buyer) is seeking to purchase a hospice service (with or without real estate) Dallas Metro Area, TX with a minimum cash flow of $100K+ annually. Baaba has $1.2M in savings and is willing to inject up to a 30% down payment on an SBA loan. She has worked in the hospice industry multiple years but would like to own her own company. FICO credit score of 745+. She has been prequalified for 90%+ financing for a bu...siness purchase price up to $1.5M (Note: I have worked with Baaba on a past acquisition attempt - this is a Buyer who is truly motivated and serious about future acquisitions!). Client #18968 | On File: 3 Years Personal Tax Returns, Resume, Completed SBA Forms. Read more

Baaba S Vetted Buyer

Tim P (Vetted Buyer) seeks insurance agencies (small group - IFP - portable) in the California marketplace. He currently owns an insurance agency and has savings of $120K and has been in business 20 years. He has a credit score of over 800 and is looking for an insurance agency priced between $250K to $400K. Client #82300 | | On File: 3 Years Personal Tax Returns, Resume, Completed SBA Forms.

Tim P Vetted Buyer

Baaba S (Vetted Buyer) is seeking to purchase a hospice service (with or without real estate) Dallas Metro Area, TX with a minimum cash flow of $100K+ annually. Baaba has $1.2M in savings and is willing to inject up to a 30% down payment on an SBA loan. She has worked in the hospice industry multiple years but would like to own her own company. FICO credit score of 745+. She has been prequalified for 90%+ financing for a business purchase price up to $1.5M (Note: I have worked with Baaba on a past acquisition attempt - this is a Buyer who is truly motivated and serious about future acquisitions!). Client #18968 | On File: 3 Years Personal Tax Returns, Resume, Completed SBA Forms

Mark B (Vetted Buyer) is seeking to purchase an auto repair service (with or without real estate) Northern Florida with a minimum cash flow of $150K+ annually. Mark has $215K in savings & a 401(k). He has been seeking to purchase a business for over 6 months and has 15 years as an auto mechanic/assistant manager. He has a primary home with $575K collateral and a FICO credit score of 750+. Mark would like to purchase within a 3 month period. He has been prequalified for 90% financing for a business purchase price up to $1.35M. Client #3478 | On File: 3 Years Personal Tax Returns, Resume, Completed SBA Forms

John V (Vetted Buyer) is looking to purchase (within the next 6 months) a garage door company, HVAC, plumbing, or home services company (with or without real estate) in the California marketplace (preferable in Southern California). He seeks an annual cash flow of $750K+, has equity of over $10M+ (to pledge as loan collateral), and has various contractor’s licenses. He has been prequalified for 90% financing for a business purchase price up to $8M (will depend on final negotiated deal structure). Client #7637 | On File: 3 Years Personal Tax Returns, Resume, Completed SBA Forms

Do You Know Of A Seller Or Buyer That Matches Their Criteria? Call/Text Me Today: 855-929-0669

Client Testimonials - 35 Years Of Service!

I would very much recommend Peter Siegel to handle any SBA lending services you might need. Peter is knowledgeable, professional and extremely responsive in dealing with all parties involved in a given business sales transaction to get it closed as efficiently and successfully. I have been very impressed with his tenacity and work ethic to see the most difficult transactions through all the way to close. He has helped make ...conducting my brokerage business a pleasure, which I appreciate very much. Read more

Bob Crandall Business Broker

Peter is one of the premier business acquisition financing advisors in the Nation. I have had the pleasure of working with Peter over the years and I am impressed both by his financing experience and business acumen. With all his experience with SBA loan financing and working with buyers and sellers for so many years he is your go to business advisor for all your business transaction needs – specifically financing your ac...quisition. Call him, you won’t regret it, he will take good care of you! We look forward to working with Peter again on future acquisitions (financing)! Read more

John Vach Business Buyer, Investor

Get Pre-Qualified Today – Join My Network Of Buyers, Sellers, Business Brokers, Advisors!

NICHE
SBA LOAN
LENDER

Answers To Your Questions About SBA Loan Financing

What factors to SBA lenders look at these days?

What is the least amount that I need to put down?

What industries are you seeing a lot of interest in at this time for SBA loan financing (business purchases)?

What are typical SBA loan interest rates at this time?

Do I need collateral/equity to secure my SBA loan?

Recent Financing Deals - Closed or Current Clients

New Clients Vetted For SBA Loan Financing

Client Testimonials - 35 Years Of Service!

Empower Your Financial Journey

Today's Featured Blog Posts

Computing Annual Cash Flow: Why Getting This Number Right Is Important

Showing Add Backs To Get Large SBA Loan Business Acquisition Financing

Large SBA Loan Financing: Why Business Sellers Should Be Vested

Professional Pre-Flights, Pre-Qualifications: SBA Loan Advisor Tips

Key Factors In Obtaining SBA 7a Loan Financing When Buying A Business

Peter Siegel, MBA

Nationwide SBA Loan Specialist

Over 35 Years SBA Loan Experience

Peter Siegel, MBA

Nationwide SBA Loan Specialist

Over 35 Years SBA Loan Experience

NICHE SBA LOAN LENDER

Answers To Your Questions About SBA Loan Financing

What factors to SBA lenders look at these days?

What is the least amount that I need to put down?

What industries are you seeing a lot of interest in at this time for SBA loan financing (business purchases)?

What are typical SBA loan interest rates at this time?

Do I need collateral/equity to secure my SBA loan?

Recent Financing Deals - Closed or Current Clients

New Clients Vetted For SBA Loan Financing

Client Testimonials - 35 Years Of Service!

Empower Your Financial Journey

Today's Featured Blog Posts

Computing Annual Cash Flow: Why Getting This Number Right Is Important

Showing Add Backs To Get Large SBA Loan Business Acquisition Financing

Large SBA Loan Financing: Why Business Sellers Should Be Vested

Professional Pre-Flights, Pre-Qualifications: SBA Loan Advisor Tips

Key Factors In Obtaining SBA 7a Loan Financing When Buying A Business

Peter Siegel, MBA

Nationwide SBA Loan Specialist

Over 35 Years SBA Loan Experience

Peter Siegel, MBA

Nationwide SBA Loan Specialist

Over 35 Years SBA Loan Experience

NICHE
SBA LOAN
LENDER