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SBA Financing / Owner Financing

I have short listed a potential business in a field where I have over 20 years of industry experience . This business is priced at around one million with owner financing upto 60 % , I cannot make a down payment of 40 % . SBA loan suits me as I can arrange 20 % down . Have a very good credit , I am confident that SBA loan will not be a problem . I need a professional advise , if SBA & owner financing can be done together , what is my best option.

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Answers (7)
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Jul 12, 2017
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Jul 5, 2017
Andrew Rogerson
Rogerson Business Services
Certified Business Broker
Sacramento County, CA
Premium Broker

Chris - talk to some SBA lenders and get prequalified. It doesn't mean a great deal but being prequalified allows your seller to take your offer more seriously plus you will add to your knowledge about the business buying process with the questions and answers you will be required to give. SBA loans are very tough to get but they are doable.

Aug 17, 2009
Michelle Orr
Wells Fargo SBA Lending
Business Development Officer
Fairfield County, CT

I am a SBA lender with Wells Fargo. We offer up to 85% financing for business acquisitions. It is great that the seller is willing to hold paper because if there is goodwill involved in the purchase, we may need that to comply with the SBA policy. If you'd like to discuss further, please call me at 203-461-5097.
Best regards,
Michelle Orr

Aug 14, 2009
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The BAF Group LLC

Chris, if I told you that for certain, I would be a liar! The SBA is changing rules almost by the hour! However, I believe your situation offers a superb opportunity for getting one of their loans. The only thing I would worry about is how the loan is structured. Again, the SBA will not honor most of the "goodwill" portions of the transaction; so make certain that you and the Seller are footing the bill on that part, and the SBA is taking the risk on more tangible assets, in your loan application.

Aug 10, 2009
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Hi Don, Tks fr yr prompt respone ,if it comes through , I am plan to make a down payment of 200 K . Do you think its a workable option with a SBA loan

Aug 10, 2009
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The BAF Group LLC

In most cases historically, the SBA loves to see the Seller take part of the risk. In recent moves, SBA has demanded that anything above $250,000 in Goodwill MUST be either paid in full, or funded by a Seller note.

Where you get into a problem is that the SBA also wants to have some of our own "skin in the game". Again historically, they like to know you have at least 5% of your own money in the deal. If the total purchase is 60% from the Seller and 40% from the SBA, you are coming in with nothing down, and that is normally an absolute no-no. So, the question is, if you cannot come up with 40% down, how much do you have to put into the transaction?

Aug 10, 2009

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