Expert guidance on SBA programs, acquisition financing, private credit, and institutional capital
The SBA 7(a) program changed significantly in June 2025. New underwriting rules, tighter seller note restrictions, and reinstated collateral requirements mean deals that sailed through 18 months ago now stall. Here's when SBA is right — and when it's not.
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The FDD is 100–300 pages of legal disclosures. Most buyers don't know which items actually matter. This guide tells you exactly where to look — and what red flags look like inside each section.
Read MoreYour bank's revolving line doesn't fit how manufacturing cash flow actually works. The SBA MARC program was built for exactly this problem — and most manufacturers don't know it exists.
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Your capital raise stalled — not because demand isn't there, but because the lender asked about water rights and you didn't have an answer. Here's what institutional lenders are actually underwriting in 2026.
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Most acquisitions don't fail because the deal is bad — they fail because the buyer approached financing with a single-source mindset. Here's how to structure the stack so the deal closes with minimum cash at close.
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The question isn't which is better — it's which is right for your deal, your timeline, and your risk profile. Here's the framework for choosing between private credit and bank financing.
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The bridge loan is not the destination — it's the vehicle. The mistake isn't taking a bridge loan. The mistake is taking one without a clear, underwritten plan for how you exit it.
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The machine is identical. The financing structure determines whether it generates profit or creates a cash flow problem. Lease vs loan, SBA 504, MARC stacking, sale-leaseback — here's the decision framework.
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The internet says 10%. Lenders want 20-30%. Here's what the data shows across 899+ SBA lenders — and why 30% down gets you the best rate.
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SBA 7(a), 504, seller notes, ROBS, equipment financing — the complete capital stack for franchise buyers with $150K+ to deploy.
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Conduit CMBS 6.25-9%, agency 5-7%. When to use each, prepayment differences, and how to get competing term sheets on $5M+ deals.
Read MoreMARC $5M revolving credit, 504 fee waivers for NAICS 31-33, and 7(a) for acquisitions. How manufacturers access SBA capital.
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Real deal structures at $500K, $2M, $10M, and $25M. SBA senior debt, seller notes, mezzanine, and equity injection — with DSCR math.
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No income verification. 1.20x DSCR minimum. 65-80% LTV. How rental property investors qualify based on property cash flow alone.
Read MoreStated income, bank statement, asset-based — what no-doc really means for CRE investors. 60-65% LTV, experienced sponsors only.
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Franchise SBA chargeoff rates 15-18% vs independent 20-25%. FDD protections, financing differences, and which is right for your capital.
Read MoreBridge terms 12-36 months at 8-12%+. CMBS, agency, and bank permanent exits. The 5-step framework for $1M+ CRE deals.
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Healthcare 8-12%, food services 23-28%. What SBA chargeoff rates actually mean for borrowers — from 2.1M loans in our database.
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SBA Express: up to $500K, 36-hour SBA turnaround, revolving LOC available. When Express beats standard 7(a) — and when to wait.
Read MoreCompare SBA 504, conventional, CMBS, bridge, DSCR, C-PACE, and private credit rates side by side. Which program fits your deal?
Read MoreSBA standby rules, typical terms (5-8%, 5-7yr), full vs partial standby, and why 80% of SBA acquisitions include seller financing.
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SBA for practice acquisitions, 504 for medical office real estate, equipment financing for $15K-$3M in medical equipment. Options for providers with $200K+ to deploy.
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Equipment financing for trucks $40K-$200K, invoice factoring for cash flow, SBA for fleet acquisitions. For operators with $5M+/month in receivables.
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Commercial kitchen costs $150K-$500K+. SBA 504, equipment loans, leasing options. Honest about restaurant default rates (23-28%).
Read MoreMARC $5M revolving, SBA 504 fee waivers for NAICS 31-33, equipment financing $100K-$25M+. Manufacturing gets favorable SBA terms.
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