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Interesting article in FORTUNE about SB Loans.

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Biz2Credit LLC
New York County, NY


I agree with what yiu are saying. Biz2Credit ( does a large no. of SBA financing deals also and recentlyw e are seeing where banks have started getting more aggressive. Key for the seller still is that he/she should be willing to give a seller note to lower the LTV as well as show improvement for this year's no. compared to last year if they want to get a decent valuation for the business.

Aug 18, 2010
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The BAF Group LLC

After reading this article, as a Business Broker I find that the reality is that most businesses suffered a Revenue erosion, because of the economy. The Banks need to see that the business is once again viable before lending on a sale; no Bank, no SBA loan will be approved, if the three-year Revenue history shows anything that hints of a downward turn. The alternative... is for Sellers to wait for one to two years, to prove that the business is regaining stability and growth; or, to take a note themselves. If the Seller was looking to retire, the prospects are fairly unsettling.

Aug 18, 2010