Lender-Ordered QoE Is the New SBA Gate for $3M+ 7(a) Buys
First-time SBA 7(a) buys at $3M+ increasingly need lender-ordered QoE. Here is what gets trimmed, how coverage fails, and how to fix the earnings story before the LOI.
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SBA SOP 50 10 8.1 Goes Live Oct 1. What That Means for a Main Street Sale.
SOP 50 10 8.1 goes live October 1. Structure your Main Street sale the way 7(a) will fund it first.
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What the Bank Actually Underwrites
The bank underwrites cash, not add-back stories. Officer pay on the return, 1.25 coverage as lender practice, a three-year view, and leftover after the note.
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What Is My Business Actually Worth? The No-BS Guide for Owners with $3M–$50M in Revenue
You’ve built something real. But when you ask “what is my business worth,” the answer might surprise you — and not always in the way you’re hoping. Here’s how valuation actually works for lower middle market businesses.
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SBA Loans for Buying a Business: How They Work, What Qualifies, and What Most Buyers Get Wrong
SBA 7(a) loans are the most common financing tool for business acquisitions in the $500K-$5M range. Learn how they work, what qualifies, equity injection requirements, seller financing rules, and the common mistakes that stall deals in underwriting.
