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A Dozen Ways SBA Lenders Differ
From our experience, the biggest misperception by far about SBA lenders is that they are all pretty much the same. After all, how different can an SBA loan be from one lender to the next? The truth is that while the SBA is the same for all, SBA lenders are very different from each other, and many are different in many ways.
What Business Owners Need to Know About Equity Buy-ins
Equity buy-ins, where a non-shareholder purchases a portion of equity, are becoming increasingly popular. As succession planning and equity retention strategies gain traction, so do partial equity buy-in loans.
10 Steps of the LoanBox Process
It all begins with an idea.
3 Essential Questions for Choosing the Right Lender for Your Business Loan
If You Need a Bank Loan to Acquire a Business, Then it Pays to be a Financing Realist
When you're eyeing an acquisition that requires bank financing, figuring out how to secure that financing is crucial. Without it, all your efforts and arrangements can fall apart. That's why addressing financing issues upfront—before locking in any deal terms—should be your priority. If securing financing is essential for the acquisition and you're unable to get it, what’s the point of moving forward?
The Four Pillars of Business Continuity Planning: Exit, Continuity, Transition, and Succession
Understanding the distinctions between exit, continuity, transition, and succession planning can significantly impact how small businesses navigate ownership changes and unexpected events. Each type of planning plays a unique role in ensuring client continuity and the ongoing operation of your business.
Not All SBA Loans or Lenders Are Created Equal
It all begins with an idea.
House Collateral and SBA Loans: What Small Business Owners Should Know
It all begins with an idea.
Late Business Loan Payment Management for Small Business Owners
It all begins with an idea.
Essential Business Valuations for Acquisition Loans
With rising valuations and recent changes to SBA rules, let’s dive into the 7 most common questions we receive about bank loan-related business valuations.
Understanding Seller Note Subordination in Business Acquisitions
It all begins with an idea.
What Small Business Owners Should Know About SBA Loan Guaranties & Guarantors
It all begins with an idea.
Utilizing Escrow in Acquisition Deals for Small Business Owners
If you're considering purchasing a business and planning to secure a bank loan, there's an essential legal document you should be aware of: the seller note subordination letter. This document clarifies the payment hierarchy between two types of debt you might encounter: "Senior Debt" and "Seller Note."
Equity Injection Rules for Small Business Acquisition Loans
When discussing financing options for acquisition loans, small business owners often want to know about cash down payment requirements, seller financing options, and details related to equity buy-ins and seller guarantees. This article focuses on the cash down payment requirements for bank loans in small business acquisitions.
Acquisition Pro Formas for Bank Loans
This article aims to help small business owners understand acquisition pro formas from a lender's perspective. It's important to note that pro forma templates are widely available in our industry. You can obtain one from your contact at your bank or financial institution, as well as from various vendors in the M&A ecosystem.
Navigating Your Existing EIDL Loan and Lien
It all begins with an idea.
Fascinating Facts About Money
It all begins with an idea.
Understanding Spousal Guaranty Requirements for SBA Loans
It all begins with an idea.
Back Taxes and Bank Loans: What Small Business Owners Need to Know
It all begins with an idea.
Equity Buy-ins Now Eligible for SBA Loans
It all begins with an idea.